Ujjivan Small Finance Bank Limited — PPTs, 24-07-2025: Investor Presentation

**1. Financial Highlights:**

Q1FY26 PAT was ₹103 Cr (down 66% YoY, up 24% QoQ), with RoA at 0.8% and RoE at 6.7%. Gross Loan Book grew 11% YoY, with secured loans rising significantly to 46% of the portfolio. Total Deposits increased 19% YoY. Asset quality showed GNPA at 2.5% and NNPA at 0.7%, supported by strong provision coverage.

**2. Strategic Initiatives & Growth Drivers:**

The bank recorded its strongest Q1 disbursement, driven by robust growth in new secured segments like Micro Mortgages, Gold, Vehicle, and Agri Banking. Capacity building in these areas and ongoing digital transformation via the Hello Ujjivan app enhance customer reach and operational efficiency.

**3. Business Developments:**

Network expanded to 752 banking outlets across 26 states, adding 1.7 lakh new customers. Credit quality control was reinforced through bureau-based rejection tools in Micro Banking.

**4. Market Position & Competitive Advantage:**

The bank maintains a diversified pan-India presence. Its asset quality is positioned as superior to industry averages due to proactive policies. Extensive digital platforms bolster its market standing and customer convenience.

**5. Investor Implications:**

Despite recent earnings moderation, the bank projects strong future growth with advances targeting 20-25% CAGR and secured loans reaching 60-65% by FY30. Improved NIMs and lower credit costs are anticipated. The outlook for RoA (1.2-1.4%) and RoE (10-12%) suggests positive growth potential from expected operational leverage.