Slides
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Q2FY27 Investor Presentation
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2 • This presentation has been prepared by Ujjivan Small Finance Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. • No information contained herein has been independently verified by anyone else. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly,in any manner. • This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction, including India and the United States. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein. • No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further , past performance is not necessarily indicative of future results. • This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward- looking statements to reflect future events or developments. • Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Bank may alter ,modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. • This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law. • Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to rounding off. • Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. Disclaimer 2
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33 A campaign that challenges perceptions of ‘Small’ and reflects the scale and ambition of Ujjivan Small Finance Bank Our campaigns are currently reaching audiences across multiple channels BTL TV Social Media Print CTV OTT Outdoor Ujjivan Brand Campaign – Launched Sep’26 Brand Ambassador: Padma Shri R. Madhavan Brand Ambassador: Padma Shri R. Madhavan
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4 Key Highlights 4 Business Update Financials Major Highlights • Deposits crossing ₹50,000 Cr for first time, growing 29.2% YoY reaching ₹50,643 Cr • Well calibrated Deposits growth maintaining CoF at 6.9% levels with CASA ratio at 26.0% • Introduced ASBA facility for customers • Capacity additions leading to Highest Quarterly disbursement at ₹10,495 Cr • Advances growth at 32.1% with secured share increasing to 52% • Robust quarterly performance showcasing all round financial discipline • NII at ₹1,244, up 35% YoY • Credit Cost 0.7% of ATA • PPoP at ₹594 Cr. Up 50% • RoA at 2.4% and RoE at 19.7% • Capital optimization and robust profitability leading to CRAR increase by 33 bps to 20.69% • Mr. Nautiyal decided to take an early retirement due to health reasons, NRC is actively engaged to ensure timely submission of MD candidate to the regulator • Preferential allotment amounting to ₹409 Cr , approved by Board, subject to shareholders approval • Holding the RWA constant at Sep’26, the proposed capital raise would increase CRAR by ~1.2% from 20.69% on a proforma basis • Added 100 plus branches in H1FY27 taking total presence to 880 branches • Bank continued to optimize operations and delivered highest quarterly PAT of ₹ 365 Cr
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5# Gross Loan Book (GLB) includes Securitization ₹130 Cr/ ₹134 Cr/ ₹174 Cr for Sep’26 / Jun’26 / Sep’25 Key Business Highlights Q2FY27 5 Up 32% YoY Sep’25: ₹34,588 Cr ₹ 45,699# Cr Up 47% YoY Sep’25: ₹16,173 Cr ₹ 23,803 Cr Down 35 bps YoY / Down 36 bps YoY Sep’25: 2.5% / 0.7% 2.1% / 0.3% Up 22% YoY Sep’25: ₹27,764 Cr ₹ 33,807 Cr Up 29% YoY Sep’25: ₹39,211 Cr ₹ 50,643 Cr Up 64 bps YoY Sep’25: 98.0% 98.7% Gross Loan Book Secured Loan Book GNPA / NNPA Retail TD+ CASA Total Deposits Coll. Eff. Up 23 bps YoY Q2FY26: 99.5% 99.7% (1 EMI+OD) (MB X Bucket %)
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6 ₹ 1,244 ₹ 922 35% ₹ 1,186 5% ₹ 2,431 ₹ 1,778 37% 8.4% 7.9% 55 bps 8.5% (6) bps 8.5% 7.8% 68 bps ₹ 594 ₹ 395 50% ₹ 548 8% ₹ 1,142 ₹ 756 51% ₹ 365 ₹ 122 200% ₹ 317 15% ₹ 682 ₹ 225 203% 2.4% 1.0% 138 bps 2.2% 20 bps 2.3% 0.9% 134 bps 19.7% 7.7% 1,200 bps 18.2% 152 bps 19.0% 7.2% 1,174 bps PPoP PAT ROE Key Financial Highlights Q2FY27 6 NIM Q1FY27 QoQ GrowthQ2FY26 Q2 YoY GrowthQ2FY27 H1FY26 H1 YoY GrowthH1FY27 NII ROA%
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7 766 777 776 814 880 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Branches ATMs# 613 613 612 605 Well Diversified Pan India Presence 7 States with branch network Branches • 26 States and UTs • 352 Districts • 880 Branches (223 URCs) Banking Infrastructure Sep’26 Gross Loan Book$ (%) – Top 10 States #Including 62 ACRs Note:- Map not to scale Bank additionally has Partnership led Electronic Collection Retail Points where Micro Banking customers could pay EMIs without coming to Centre meetings / branches Total Business* Region-wise Deposit Region-wise 115 78 98 21 17 2 1 8 1 15 2 1 75 66 18 5 30 24 40 79 108 19 7 40 6 4 619 27% 32% 21% 20% South North East West 27% 35% 17% 21% South North East West Note: Individual Loan, MSME and Others^ include both secured and unsecured products # Includes Microfinance GL & Non Microfinance GL and IL $Gross Loan Book (GLB) includes Securitization ₹130 Cr/ ₹134 Cr/ ₹174 Cr for Sep’26 / Jun’26 / Sep’25 *Total Business consists of Gross Loan Book & Deposits # 2.6% 3.7% 4.7% 1.0% 4.5% 3.1% 3.7% 6.9% 5.9% 5.7% 1.9% 1.1% 1.5% 5.8% 2.8% 5.3% 6.2% 4.2% 6.6% 7.0% 4.5% 4.8% 6.2% 6.9% 7.3% 8.4% 9.9% 11.1% 12.5% 12.7% Rajasthan Haryana Bihar New Delhi Uttar Pradesh Gujarat Maharashtra West Bengal Tamil Nadu Karnataka Micro Banking Non Micro Banking 8.5% 7.3% 15.7%Others
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Liabilities: Driving Retail Deposit Base 8
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9 27,764 29,395 31,955 32,716 33,807 11,036 12,024 12,702 14,488 16,027411 804 1,011 925 809 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Retail Deposits Bulk TD CD 17,187 17,681 18,650 19,446 19,930 708 724 975 854 890 9,089 9,726 10,730 10,860 10,870 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Average TD Average CA Average SA 30,354 31,690 26,983 28,130 31,160 Deposit Snapshot 9 Total Liabilities Profile (₹ Cr) Deposit Breakup (₹ Cr) Retail Deposit Breakup (₹ Cr) Cost of Funds(%) Retail Average Balance (₹ Cr) Customer Base (No. Lakhs) 1,317 1,249 1,630 1,591 1,823 39,211 42,223 45,668 48,129 50,643 1,645 1,134 2,106 2,215 1,200 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Refinance Deposit Others* 16,981 17,860 18,893 19,786 20,631 1,005 1,097 1,422 1,359 1,501 9,778 10,438 11,639 11,571 11,675 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Retail TD CA SA 7.3% 7.1% 7.0% 6.9% 6.9% 5.2% 5.2% 5.2% 5.0% 5.1% 8.2% 7.8% 7.7% 7.6% 7.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Cost of Fund Cost of SA Cost of TD 49,404 53,666 42,173 44,606 51,935 45,668 50,643 39,211 42,223 48,129 31,955 33,807 27,764 29,395 32,716 * Others includes Money markets, Term loans, Sub -debt 3.5 3.8 4.1 4.4 4.7 45.1 43.7 43.7 43.9 44.5 50.2 52.0 53.7 53.9 49.0 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Asset Only Asset and Liability Liability Only 101.5 98.298.8 99.6 102.2
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10 Diversified Deposit Mix 10 Region Wise Deposit Mix Branch Classification Wise Deposit Mix Segment Wise Deposit Mix Sep’26Sep’25 Diversified Deposit Book across Geography and Segments 27% 35% 18% 20% 42% 3% 16% 39% 51% 23% 12% 8% 6% Individual Bank Corporate Govt TASC 55% 22% 11% 7% 5% 27% 35% 17% 21% South North East West 34% 9% 24% 33% Metropolitan Rural Semi Urban Urban
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Gross Loan Book: Diversified Growth 11
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12 Particulars Disbursement (₹ Cr) % Disbursement (Q1FY27) % Disbursement (Q1FY26) Growth YoY Growth QoQ Group Loans 3,396 32% 39% 8% 1% Microfinance 2,338 22% 30% (2)% (2)% Non Microfinance 1,058 10% 10% 40% 10% Individual Loans 1,310 12% 14% 16% 7% Affordable Housing 1,004 10% 11% 20% 19% Micro Mortgage 323 3% 3% 35% 9% MSME 729 7% 6% 44% 47% FIG Lending 2,456 23% 17% 82% 42% Vehicle Loan 203 2% 2% 23% (15)% Gold Loan 507 5% 3% 136% 9% Agri Banking 167 2% 2% 24% 47% ^Others 401 4% 3% 76% (15)% Total 10,495 100% 100% 32% 14% Secured 5,841 56% 47% 58% 25% Gross Loan Book And Disbursement Particulars Gross Loan Book (₹ Cr) % Gross Loan Book (Q2FY27) % Gross Loan Book (Q2FY26) Growth YoY Growth QoQ Group Loans 15,658 34% 38% 19% 3% Microfinance 11,274 25% 28% 15% 2% Non Microfinance 4,384 10% 9% 34% 8% Individual Loans 6,380 14% 16% 17% 3% Affordable Housing 10,056 22% 22% 31% 7% Micro Mortgage 2,031 4% 3% 86% 13% MSME 3,871 8% 7% 51% 12% FIG Lending 3,615 8% 7% 45% 10% Vehicle Loan 1,081 2% 2% 65% 4% Gold Loan 1,275 3% 1% 210% 25% Agri Banking 914 2% 1% 79% 13% ^Others 817 2% 2% 27% 18% Total 45,699 100% 100% 32% 7% Secured 23,803 52% 47% 47% 10% Note: Individual Loan, MSME and Others^ include both secured and unsecured products. | ^Others includes: Staff loan, OD-FD & others | Gross Loan Book (GLB) includes Securitization ₹130 Cr/ ₹134 Cr/ ₹174 Cr for Sep’26 / Jun’26 / Sep’25 Segment Wise Gross Loan Book Segment Wise Disbursement
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13 17.5% 17.5% 17.6% 17.5% 17.4% Overall 22.0% 22.2% 22.5% 22.5% 22.6% *Micro Banking 12.0% 12.1% 12.4% 12.3% 12.3% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 ^Non Micro Banking Book Yield And Average Ticket Size 13 Product Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Group Loan (GL) 0.63 0.67 0.67 0.66 0.65 Individual Loan (IL) 1.34 1.36 1.39 1.36 1.41 Affordable Housing (AHL) 15.80 16.82 17.22 17.03 17.86 Micro Mortgages (MM) 6.20 6.41 6.68 6.81 7.50 MSME (Excl. SCF) 61.09 64.87 72.07 83.45 97.16 Vehicle Loan 0.90 0.85 0.87 0.88 0.89 Gold Loan 1.71 2.04 2.35 2.19 2.03 Agri Banking 8.45 9.51 9.38 10.19 10.87 *Micro Banking: Includes Microfinance GL & Non Microfinance GL and IL / ^Non Micro Banking: consists of MM, AHL, MSME, Vehicle Loan, Gold Loan, Agri Loan, FIG and Others Note: Yield depicted is calculated on daily average balances for the quarter Loan Book Yield (%) Disbursement: Average Ticket Size (₹ Lakhs)
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14 3,131 3,464 3,870 3,354 3,396 1,128 1,224 1,376 1,228 1,310 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 GL IL 13,106 13,685 14,696 15,185 15,658 5,464 5,687 6,014 6,186 6,380 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 GL IL Micro Banking (GL & IL) Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) 20,709 22,037 18,570 19,372 21,371 5,245 4,706 4,259 4,688 4,581 19% YoY 10% YoY X Bucket Collection Efficiency Cashless CollectionTop 5 State Wise Portfolio Performance Individual Loan Top States % Of Loan Book PAR 0+ PAR 30+ PAR 90+ Haryana 11.7% 3.4% 2.9% 2.2% Maharashtra 11.4% 4.7% 4.1% 3.0% West Bengal 11.1% 5.4% 5.0% 4.0% Uttar Pradesh 10.7% 3.1% 2.6% 1.9% Tamil Nadu 10.3% 2.2% 1.9% 1.5% Others 44.9% 3.7% 3.3% 2.6% Total 100.0% 3.7% 3.3% 2.6% 99.48% 99.63% 99.76% 99.68% 99.71% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 43% 45% 47% 48% 50% Q2FY26 Q3F26 Q4FY26 Q1FY27 Q2FY27 Group Loan Top States % Of Loan Book PAR 0+ PAR 30+ PAR 90+ West Bengal 14.9% 4.0% 3.6% 2.9% Karnataka 11.8% 6.0% 5.7% 5.4% Tamil Nadu 11.7% 4.0% 3.7% 3.2% Bihar 11.5% 3.5% 3.1% 2.6% Uttar Pradesh 8.5% 3.9% 3.4% 2.8% Others 41.7% 4.0% 3.5% 2.8% Total 100.0% 4.2% 3.8% 3.2%
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1515 Micro Banking (GL & IL) PAR Trend (GL) Lender Wise GL Loan Book % Trend Disbursement To Borrower With Internal Peak DPD Of 30+ In Preceding 6 Months PAR Trend (IL) Lender Wise IL Loan Book % Trend 0.12% 0.12% 0.13% 0.12% 0.12% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 ▪ The total pool of customers represented above are Repeat GL, Top Up GL and GL to IL ▪ Ujjivan policy: Precludes customer with 1 DPD with Ujjivan at the time of disbursement ▪ Business Rule Engine & Independent Credit team ensures policy adherence and calibrated deviation calls ▪ Ujjivan monitors disbursement to customers with Internal Peak DPD in last 6 months and the same is depicted above which is miniscule ▪ As part of MFIN Guardrails disbursement are allowed upto 60 DPD with other lenders at the time of disbursement 5.4% 4.7% 4.2% 4.1% 4.2% 4.8% 4.4% 4.0% 3.7% 3.8%4.1% 3.9% 3.7% 3.4% 3.4%3.6% 3.5% 3.4% 3.1% 3.2% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 PAR 0+ PAR 30+ PAR 60+ PAR 90+ 4.5% 4.3% 3.9% 4.0% 3.7% 3.8% 3.9% 3.5% 3.6% 3.3% 3.0% 3.2% 3.1% 3.1% 2.9% 2.3% 2.7% 2.7% 2.8% 2.6% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 PAR 0+ PAR 30+ PAR 60+ PAR 90+ Lender Overlap Sep’25 Dec’25 Mar’26 Jun’26 Sep’26 Unique to Ujjivan 51.0% 54.7% 55.9% 57.1% 57.7% Ujjivan+1 30.0% 29.6% 29.7% 29.7% 29.4% Ujjivan+2 14.7% 13.1% 12.5% 11.7% 11.3% Ujjivan+3 3.1% 1.9% 1.5% 1.2% 1.2% Ujjivan+4 & above 1.2% 0.6% 0.5% 0.4% 0.4% Lender Overlap Sep’25 Dec’25 Mar’26 Jun’26 Sep’26 Unique to Ujjivan 58.7% 63.7% 66.3% 67.8% 68.2% Ujjivan+1 23.9% 22.8% 22.5% 22.2% 22.2% Ujjivan+2 11.3% 9.6% 8.5% 7.8% 7.6% Ujjivan+3 4.2% 2.8% 2.1% 1.7% 1.6% Ujjivan+4 & above 1.9% 1.1% 0.6% 0.5% 0.4%
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16 7,656 8,231 8,900 9,410 10,056 1,094 1,329 1,577 1,800 2,031 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 AHL MM Drivers Of Secured Book Growth – Housing 16 Loan Book Yield (%)Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) Note: AHL-Affordable Housing Loan, MM- Micro Mortgages% YoY % Asset Quality (%)Business Highlights Enablers of Growth Centralized Credit Processing Unit Reduced TAT for Salaried Customers Extensive usage of Data & Analytics To enhance productivity, improve cross sell & identify early warning Tailor made State Level Collateral Policy To cater Tier II and Tier III Market Requirements PAR 0 Overall AHL MM Sep’25 3.6% 3.9% 1.1% Dec’25 3.3% 3.7% 1.2% Mar’26 3.0% 3.4% 1.2% Jun’26 3.3% 3.7% 1.5% Sep’26 3.4% 3.7% 1.8% GNPA Overall AHL MM Sep’25 1.1% 1.2% 0.4% Dec’25 1.1% 1.2% 0.4% Mar’26 1.0% 1.1% 0.5% Jun’26 1.1% 1.2% 0.6% Sep’26 1.1% 1.2% 0.7% Branch Presence AHL: 591| MM: 333 Across 23 States & UT| 26 Retail Asset Centres As on Sep’26; On Time Repayment Rate: 88.0% I Monthly Repayment Rate: 97.7% Self Occupied Residential Property (SORP): 94% Customer Segmentation: Self Employed (57%) & Salaried (43%) Average LTV maintained: AHL 49% | MM 45% Average FOIR for all loans are maintained below 50% 834 860 995 842 1,004 238 284 309 297 323 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 AHL MM 19.4% 19.2% 19.7% 19.5% 19.4% 13.2% 13.1% 13.5% 13.3% 13.4% 12.4% 12.2% 12.4% 12.2% 12.2% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 MM Overall AHL 10,477 12,087 8,749 9,560 11,210 1,304 1,327 1,072 1,144 1,139 38% YoY 24% YoY
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17 558 430 398 15 16115 112 107 1,880 2,913 3,350 - 500 1,000 1,500 2,000 2,500 3,000 - 200 400 600 800 1,000 1,200 1,400 Sep'25 Jun'26 Sep'26 5 Drivers Of Secured Book Growth – MSME 17 Gross Loan Book Growth (₹ Cr) Disbursement (₹ Cr) LAP: Loan Against Property, WC: Working Capital, SCF: Supply Chain Finance% YoY % Asset Quality – New Book at Minimal NPA PAR 0 & GNPA Movement (%) 1,957 2,147 2,385 2,514 2,707 430 515 625 687 822 171 202 220 269 342 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 LAP WC SCF 316 294 361 269 366 150 116 158 149 240 44 47 53 79 123 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 LAP WC SCF 7.8% 6.9% 6.0% 5.9% 5.2% 4.7% 4.1% 3.6% 3.7% 3.2% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 PAR 0 GNPA Business Highlights Loan Against Property (LAP): Vintage Business with mix of Semi- Formal and Formal MSMEs Products: Long Term LAP, LRD, DLOD Working Capital (WC): New Line Of Business for Formal MSMEs Facilities: Short Term Fund Based – OD/ CC, WCDL, Non-Fund – BG, CGTMSE Supply Chain Finance (SCF): New Line Of Business for Formal MSMEs Facilities: Ultra-Short Term anchor-led Dealer and Vendor Financing Enablers of Growth and Stability Digital Underwriting Dedicated LOS for LAP and WC businesses | Automated CAM with GST, Banking, ITR fetch Analytics & Digital Interventions Enhanced productivity | Increased Cross Selling & Up selling opportunities EWS and Monitoring Automated Early Warning System | Enable proactive risk identification and timely correction 673 1,886 542 2,928 505 3,366 Note: New book is created from Apr’23 Book Yield: 10.5% Blended yield for MSME including LAP, WC & SCF Focus Area: To build 360o banking relationship with MSME customers 3,230 3,871 2,559 2,865 3,470 572 729 509 457 497 Old Book Standard New Book Standard Old Book NPA New Book NPA 51% YoY 44% YoY
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18 Enablers ▪ Assisted digital Onboarding ▪ Deep Rural Presence ▪ State-wise collateral policy ▪ Customised products for each segment Drivers Of Secured Book Growth – New Products 18 Vehicle Finance Gold Loan Agri Banking Enablers ▪ Scorecard based quick decisioning ▪ Integrated LOS with rule engine ▪ Curated dealer Loyalty Program ▪ Trade advance for dealership Target Segment ▪ Tier II and Tier III Markets ▪ Both Salaried & Self-Employed Product ▪ 2W – Commuter & Mid Premium vehicles ▪ Pre-Owned Car Loans Geographical Presence ▪ 350 Branches across 13 States & UTs ▪ Business tie up with 1100+ dealerships Sourcing ▪ Through tie ups with Dealer Network ▪ Focus on top OEMs ▪ NTB at 93% Enablers ▪ Mobility Solution enabling digital customer onboarding ▪ Centralized policy and LOS framework for uniform processing and valuation ▪ Strong Quality Governance through surprise verification and packet audits Target Segment ▪ Unorganized segment with agri and allied activities & small businesses Products ▪ Bullet Repayment ▪ Monthly Interest Scheme ▪ EMI Repayment ▪ Over-Draft Geographical Presence ▪ 466 Branches across 25 states & UTs ▪ Branch network : South 34% I East 27% I North 25% I West 14% Target Segment ▪ Individual Farmers owning agriculture land and cash flow track record ▪ Non Individual entities engaged in Agri. & related business Products ▪ Overdrafts for Crop Cultivation ▪ Term loan for Farm Investments / Development ▪ Entire portfolio is secured ▪ Agri Collateral (~65%) ▪ Non-Agri Collateral (~35%) Geographical Presence ▪ 311 Branches across 10 states & UTs Sourcing ▪ Internal sourcing: 97% | Connector: 3% ▪ NTB: 95% Sourcing ▪ Internal Sourcing: 96% | DSA:4% ▪ NTB:40% Business Performance ▪ Disbursement Run Rate Achieved: ₹68 Cr ▪ Book Yield: 20.2% ▪ Asset Quality: NPA 2.0% ▪ LTV: 80% Business Performance ▪ Disbursement Run Rate Achieved: ₹169 Cr ▪ Book Yield: 14.9% ▪ Asset Quality: NPA 0.3% ▪ LTV: 68% Business Performance ▪ Disbursement Run Rate Achieved: ₹56 Cr ▪ Book Yield: 12.3% ▪ Asset Quality: NPA 1.3% ▪ LTV: 65%
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19 Asset Quality 19
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20 4.45% 3.98% 3.54% 3.58% 3.57% PAR 0 1.99% 1.60% 1.27% 1.42% 1.47% 2.45% 2.39% 2.27% 2.17% 2.10% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 SMA GNPA Asset Quality 20 PAR 0, SMA & NPA (%) # Excluding Securitisation YTD NPA Movement # Segment Wise PAR 0 and NPA (%) 917 955 352 131 183 Opening NPA Slippages Recoveries/ Upgrades Write-Off Closing NPA 4.2% 3.7% 3.7% 1.8% 5.2% 4.3% 3.3% 3.2% 0.1% 0.3% 3.6%3.2% 2.6% 1.2% 0.7% 3.2% 2.0% 0.3% 1.3% 0.1% 0.3% 2.1% Group Loan Individual Loan Affordable Housing Micro Mortgage MSME Vehicle Loan Gold Loan Agri Banking FIG Lending Others Total PAR 0 NPA
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21 Healthy Collections 21 Bank Level Collection Efficiency % 97.1% 97.2% 98.0% 97.3% 97.3% 97.9% 98.2% 98.5% 98.3% 98.0% 98.1% 98.4% 98.6% 98.7% 98.7% 96.2% 96.4% 97.2% 96.4% 96.3% 96.9% 97.1% 97.5% 97.4% 97.5% 97.5% 97.7% 97.9% 98.1% 98.1% Jul'25 Aug'25 Sep'25 Oct'25 Nov'25 Dec'25 Jan'26 Feb'26 Mar'26 Apr'26 May'26 Jun'26 Jul'26 Aug'26 Sep'26 Upto 1 EMI+OD Upto 1 EMI Full Year Average Quarter End Nos 1,501 1,605 1,284 1,552 2,260 762 700 690 715 812 FY22 FY23 FY24 FY25 FY26 Off Roll On Roll 2,263 2,305 1,974 3,071 2,267 2,390 2,328 2,158 2,007 1,974 851 828 799 828 904 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Off Roll On Roll 2,878 3,241 3,156 2,957 2,835 Calibrated Collection Team (Nos)
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22 657 730 822 869 917 130 130 130 130 13073% 76% 81% 85% 85% 0% 10% 20% 30% 40% 50% 60% 70% 80% -100 100 300 500 700 900 1100 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Std+ NPA Provision Floating PCR% Provision Coverage 22 Provision & PCR Q2FY27 Provision Breakup# Floating Provision of ~₹181 Cr Total NPA provision* of ₹818 Cr GNPA Provision Total Provision Other provision# Standard Asset Provision Tier II capital# Floating NPA Provision ▪ NNPA as of Sep’26 at 0.31% ▪ Book Covered under CGFMU as on Sep’26 ₹970 Cr* 787 860 1,047952 999Total Provision # Floating provision of ~₹181 Cr continues to be on books. Of this ₹30 Cr is earmarked toward Tier II capital, ₹130 Cr is earmarked for PCR calculation and ~₹21 Cr is earmarked for Other Provisions * ₹336 Cr of fresh coverage earmarked for Q1FY27, taking total coverage to ₹1,306 Cr
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23 Guidance FY27 23 Advances Growth 0.9% to 1.0% of the ATA# RoACredit Cost ~ 25% 1.8% to 2.0% #Calculation methodology changed from Average GLB to Average Balance sheet
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24 Financial Overview 24
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25 756 1,142 H1FY26 H1FY27 1,778 2,431 H1FY26 H1FY27 67% 62% H1FY26 H1FY27 Financial Overview NII (₹ Cr) & NIM* (%) Cost to Income (%) & Operating Expenses/ Average Total Assets (%) Pre-Provision Operating Profit (₹ Cr) * NIM includes Securitization ^ ^922 1,000 1,092 1,186 1,244 7.9% 8.2% 8.5% 8.5% 8.4% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 350 450 550 650 750 850 950 1,050 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Net Interest Income Net Interest Margin 66% 66% 63% 62% 62% 6.3% 6.7% 6.6% 6.1% 6.1% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% 7.0% 45% 50% 55% 60% 65% 70% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 C/I Ratio Opex / Avg. Asset 395 440 515 548 594 3.2% 3.4% 3.8% 3.7% 3.8% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 0 100 200 300 400 500 600 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 PPoP PPoP (RoA) NII (₹ Cr) & NIM* (%) Cost to Income (%) & Operating Expenses/ Average Total Assets (%) Pre-Provision Operating Profit (₹ Cr) 8.5%7.8% 6.2% 6.1% 3.1% 3.8% Net Interest Income Net Interest Margin C/I Ratio Opex/Avg Asset PPoP PPoP (ROA)
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26 225 682 H1FY26 H1FY27 Financial Overview * NIM includes Securitization ^ ^ PAT (₹ Cr) & RoE (%) EPS (₹) BVPS (₹) 122 186 282 317 3657.7% 11.5% 17.2% 18.2% 19.7% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% 18.0% 20.0% 0 50 100 150 200 250 300 350 400 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 PAT RoE 0.63 0.96 1.45 1.63 1.87 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 6,323 6,519 6,816 7,144 7,532 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 PAT (₹ Cr) & RoE (%) EPS (₹) Net Worth (₹ Cr) 32.6 33.6 35.1 36.7 38.6 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 19.0%7.2% 1.16 3.49 H1FY26 H1FY27
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27 Profit & Loss Statement Particulars (₹ Cr) Q2FY27 Q2FY26 YoY Growth Q1FY27 QoQ Growth H1FY27 H1FY26 YoY Growth Interest Earned 2,151 1,682 28% 2,025 6% 4,176 3,301 26% Other Income 300 256 17% 257 17% 557 505 10% Total Income 2,450 1,939 26% 2,282 7% 4,732 3,806 24% Interest Expended 906 761 19% 839 8% 1,745 1,524 15% Personnel Expenses 513 445 15% 498 3% 1,011 859 18% Operating Expenses 437 338 29% 398 10% 835 669 25% Total Cost 1,857 1,544 20% 1,735 7% 3,591 3,052 18% Pre Provision Operating Profit 594 395 50% 547 8% 1,142 756 51% Credit cost 103 235 (56)% 127 (19)% 230 460 (50)% Profit Before Tax 491 160 206% 421 17% 911 295 209% Tax 126 39 226% 104 21% 230 71 226% Net profit for the period 365 122 200% 317 15% 682 225 203% Note: Reclassification of items in Expense has led to change in Personnel and Operating expenses for Prior period
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28 Total Income – Breakup *Includes cards AMC charges, NFS / other banking operations income and foreclosure / late payment & other charges Particulars (₹ Cr) Q2FY27 Q2FY26 YoY Growth Q1FY27 QoQ Growth H1FY27 H1FY26 YoY Growth Interest on loan 1,915 1,473 30% 1,792 7% 3,707 2,872 29% Int. on investments 234 207 13% 231 1% 465 425 9% Securitization Income 2 2 (19)% 2 (8)% 4 5 (27)% Total Interest Earned 2,151 1,682 28% 2,025 6% 4,176 3,301 26% Processing Fees 111 89 24% 104 7% 215 167 28% PSLC Income 0 0 NA 0 NA 0 8 NA Insurance Income 54 46 17% 36 52% 90 69 30% Bad Debt Recovery 30 23 33% 29 4% 60 46 30% Treasury 18 25 (26)% 6 193% 25 75 (67)% Misc. Income* 86 73 18% 82 5% 168 141 19% Total Other Income 300 256 17% 257 17% 557 505 10% Total Income 2,450 1,939 26% 2,282 7% 4,732 3,806 24%
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29 Balance Sheet Particulars (₹ Cr) As at Sep 30, 2025 As at Jun 30, 2026 As at Sep 30, 2026 CAPITAL AND LIABILITIES Net worth 6,323 7,144 7,532 Capital 1,937 1,945 1,951 Employees Stock Options Outstanding 93 99 95 Reserves and Surplus 4,293 5,100 5,486 Deposits 39,211 48,129 50,643 Borrowings 2,962 3,806 3,026 Other Liabilities and Provisions 1,118 1,579 1,435 TOTAL 49,614 60,658 62,635 ASSETS Cash and Balances with Reserve Bank of India 2,374 2,716 2,911 Balance with Banks and Money at Call and Short Notice 312 1,805 71 Investments 11,603 12,511 13,126 Advances 33,808 41,980 44,753 Fixed Assets 490 504 534 Other Assets 1,027 1,143 1,240 TOTAL 49,614 60,658 62,635
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30 Healthy Capital Adequacy Particulars (₹ Cr) Sep’25 Dec’25 Mar’26 Jun’26 Sep’26 Credit Risk Weighted Assets 29,076 29,638 31,738 34,011 35,149 Tier I Capital 5,782 5,967 6,252 6,515 6,850 Tier II Capital* 429 440 456 408 423 Total Capital 6,211 6,407 6,709 6,923 7,273 CRAR 21.36% 21.62% 21.14% 20.36% 20.69% Tier I CRAR 19.89% 20.13% 19.70% 19.16% 19.49% Tier II CRAR 1.47% 1.49% 1.44% 1.20% 1.20% Floating Provision considered in Tier II 30 30 30 30 30
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31 Ujjivan – Platform For Growth 31
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32 Q2FY27 Key Achievements ~₹13K Cr / month Value Transacted (Through UPI) 67% Retail Term Deposits Opened Digitally (Using Self Service & Assisted digital) 48% Loan Repayment Collected Digitally (Using BBPS & Hello Ujjivan App ) Serving Customer Digitally Adoption Of New EZY MB Increased ~43% In Q2 Customized Theme added for Ivory & Enhanced UI UX Micro Services & Multiple SDKs & URL Integrations Mobile & Internet Banking Highlight Savings Account Opened Digitally (Using Self Service & Assisted Digital) 95% 260+ Features ASBA IPO Live In Q2
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33 Servicing Customers Through Multiple Channels Business Mobile / Internet Banking • Dedicated platform for corporate customers • Business Mobile Banking App available • High-volume & bulk upload, Multi-Fund Transfer option • Major Features – GST, Direct tax payments & PFMS • FY27: Upgradation of Business Net Banking and Business Mobile Banking with host of new features Retail Mobile / Internet Banking • Available in 9 Languages • Value added services includes: GST & Bill Payments, • Newly added features: ASBA IPO, Insta Banking – Cash Deposit, NPS Feedback, International OTPs, Ivory theme & 15 UI/UX enhancements. • FY27: Integration of UPI (Scan & Pay) feature in EZY Mobile Banking, 50+ new features and UI/UX Enhancements Payments • UPI, UPI Autopay, & UPI Lite service available • UPI IPO & UPI Tap & Pay live launched in Q2 – As an Issuer • AePS platform available to promote inclusion • Merchant QR Codes for small merchants / retailers • Multiple Partner Payment Gateways available • FY27: Comprehensive Merchant Solutions ecosystem Digital Acquisition (DFD/DSA/DCA) • Ujjivan’s DIY journey for customers to open SA, Fixed Deposit & CA (Individual) • Branchless opening of SA and FD account through video KYC • Digital Current Account (Individual) can be opened within serviceable Bank branch location • FY27: RM Assisted Non-Individual Current Account Onboarding Platform (Phase 1: Sole Proprietorship) Other Channels • Voice visual vernacular app – Hello Ujjivan available in 11 languages with chatbot facility for financial inclusion • WhatsApp Banking & Chatbot • SMS & Missed call Banking for basic banking services such as balance inquiry, recent trans, etc • Phone / Video banking for 540+ services available in 13 Languages • FTE Savings: 109 Full Time Equivalent till Sep’26 • Manhours saving through RPA: 62,976 manhours in Q2FY27 • As of Sep’26: 82 process automated • FY27: Plan to bring RPA automated process count to 95+ Channels Robotic Process Automation
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34 Data Analytics Unlock business contribution by activating all verticals, utilizing phone banking & digital channels Key metrics: Product per customer, Wallet share Cross/Up-Sell(ML Based), NTB Acquisition Analytics Stack 1.2 Cr+ Customer Franchise 5 Lakh+ Loans processed/month 10.8 Cr+ Transactions generating/month 1,200+Key data elements refreshed near real-time Benchmarked top in class in Data Quality Index by RBI for FY25 with score of 97 Generated additional business volume of ~ ₹1,047 Cr.+ in H1FY27 ~ ₹41 Cr.+ Loss recovered from written- off pool (360 DPD+)across GL/IL verticals in H1FY27 Data Asset Outcomes 17 6 5 4 3 2 ML powered business intelligence to nudge customers for balance build-up Key metrics: TRV increase, Transacting customer, Balance skew Balance Build-Up Retaining and win-back customers across verticals and products Key metrics: Retention and Win-back rate Customer Retention Prescriptive analytics to improve branch profitability and developed suitable mix to decrease Break-even-period Key metrics: Cost to income ratio, Product Mix, Yield Branch Profitability Automating key reports with business insights through Tableau with real-time data across 20k+ employees, saving FTE Key metrics: FTE save, TAT Automation Building medallion structure to bring accuracy, consistency and real-time data availability for customer service Key metrics: DQ score, RBI DQ,TAT Data Quality Arrest loan loss by scorecard driven underwriting, behavioural scorecard for collection, recovery model for sticky buckets Key metrics: PAR, Credit Cost Loss Mitigation And Recovery
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35 Strong Independent Board Banavar Anantharamaiah Prabhakar Chairman and Independent Director Education:Commerce graduate (University of Mysore), Chartered Accountant (ICAI) Experience:Andhra Bank, Bank of India, Bank of Baroda UK Operations Rajni Mishra Independent Director Education: M.Com - Gold Medallist (MS University, Vadodara) Experience: SBI as well as its associate banks, NCL Buildtek limited Ravichandran Venkataraman Independent Director Education: Qualified FCCA - UK (ACCA), ACMA – UK (CIMA), Program for CFOs (Wharton Business School) Experience: eVidyaloka Trust, HP’s Global Business Services, Hewlett Packard, ANZ Bank and Bank Muscat Sudha Suresh Independent Director Education: B.Com (Honors) CA (ICAI), Grad ICWA (ICMAI), CS (ICSI) Experience: S. Rao & Associates, Mani Capital, UFSL Mona Kachhwaha Independent Director Education: B.A. Hons (Delhi University), MBA (XLRI Jamshedpur), Executive Program in Private Equity (Said Business School, Oxford University) Experience: Citibank, UC Impower, Caspian Impact Investment Adviser Rajesh Kumar Jogi Independent Director Education: Bachelor of Arts (Economics), Fellow member ICAI (ICAI), Advanced Management Program (Harvard Business School) Experience: Natwest Group (erstwhile RBS Group), Royal Bank of Scotland Aniruddha Paul Independent Director Education: B. Tech (IIT Kharagpur), MBA (IIM Calcutta) Experience: Standard Chartered, ING, Citibank, Cerulean Information Technology Carol Furtado Interim CEO and Whole Time Director Education: B. Sc (Bangalore University), PGDM (Mount Carmel Institute) Experience: UFSL, ANZ Grindlays Bank and Bank Muscat Note: Based on his request on health grounds, Mr. Sanjeev Nautiyal retired early and he ceased to be a member of the Board effective from Sep 01, 2026
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36 Key Management Sadananda Balakrishna Kamath Chief Financial Officer Education: Associate Company Secretaryship(ACS, ICSI), Chartered Accountancy (CA, ICAI) Experience: Credit Access Grameen Ltd, Tata Group Ashish Goel Chief Credit Officer Education: PGDM in Marketing & Finance (XIM, Bhubaneshwar),B. Tech - Mechanical Engineering (Kurukshetra University) Experience: ICICI Bank, Marico Industries, Godrej & Boyce Martin Pampilly S Chief Operating Officer Education: COO Certified (IIM Lucknow) Experience: UFSL, ANZ Grindlays Bank, Bank Muscat and Centurion Bank of Punjab Mangesh Mahale Chief Technology Officer Education: Bachelor of Engineering Computer (Veermata Jijabai Technological Institute, University of Mumbai) Experience: NSE Clearing Limited, Union Bank of India, Oriental Bank of Commerce, State Bank of India, Rolta India Limited Brajesh Joseph Cherian Chief Risk Officer Education: MBA in Finance (Sikkim Manipal University), B. Pharma (Dr. M.G.R. Medical University) Experience: The South Indian Bank, Axis Bank Chandralekha Chaudhuri Head- Human Resource Education: BBA, LLB (Symbiosis School of law), PGCHRM -HR (XLRI) Experience: UFSL Carol Furtado Interim CEO and Whole Time Director Education: B. Sc (Bangalore University), PGDM (Mount Carmel Institute) Experience: UFSL, ANZ Grindlays Bank and Bank Muscat Rajaneesh Hosakoppa Rudresha Chief Compliance Officer Education: Master of Arts (University Of Mysore) Experience: Kotak Mahindra Bank Ltd, ICICI Bank Ltd, Deutsche Bank Note: Based on his request on health grounds, Mr. Sanjeev Nautiyal retired early and he ceased to be a member of the Board effective from Sep 01, 2026
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37 Business Leaders Hitendra Nath Jha Head Retail Liabilities, TASC & TPP Education: Bachelor of Science (Ranchi University), Bachelor of Laws (Saurashtra University) Experience: Stock Holding Corporations, IDBI Bank, ICICI Bank, Kotak Mahindra Bank Vibhas Chandra Business Head Micro Banking & Gold Loan Education: PGDBM - Rural Management, (XIM, Bhubaneshwar) Experience: UFSL Prem Kumar G Business Head – Vehicle Finance Education: Bachelor of Commerce (Karnataka State Open University) Experience: UFSL, Paul D Souza & Associates, One World Hospital Parag Kumar Srivastava Head Financial Institutions & Govt. Banking Group Education: MBA (University Of Allahabad) Experience: Kotak Mahindra Bank, MCX Ltd, Stock Holding Corporation of India Murali Chari Business Head – Agriculture Banking Education: Post Graduate Diploma (Symboisis Institute Of Distance Education) Experience: Samaaru Finance P Ltd, HDFC Bank Ltd, Sundaram Finance Ltd Pradeep B Business Head of Housing Loan & MM Education: Master of Social Work (SDM College) Experience: UFSL Umesh Arora Head of Emerging Business Education: Post Graduate (IIM Kozhikode) Experience: Axis Bank, IDBI Bank, Standard Chartered Rajeev Padmanabh Pawar Head of Treasury Education: MBA (JBIMS, University Of Mumbai) Experience: Growmore Research, Kotak Mahindra, Daewoo Securities, American Express, Standard Chart., Edelweiss Vikas Agrawal Business Head – MSME Education: Master in Commerce (University Of Rajasthan) Experience: ICICI Bank, UTI Bank, Bank of Rajasthan
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38 Shareholding Pattern As On Sep’26 Top 10 Investors Axis Mutual Fund Sundaram Mutual Fund International Finance Corporation Aditya Birla Sun Life Mutual Fund Franklin Mutual Fund Kotak Mahindra Mutual Fund Vanguard Group Canara Robeco Mutual Fund Mahindra Manulife Mutual Fund UTI Mutual Fund 18.0% 36.0% 46.0% Foreign Institutional Investors (FPI, FPC & FDI) Domestic Institutional Investors (MF, AIF, Ins & QIB) Retail & Others FPI: Foreign Portfolio Investors | FPC: Foreign Portfolio Corp | FDI: Foreign Direct Investment | MF: Mutual Fund | AIF: Alte rnative Investment Fund | Ins: Insurance | QIB: Qualified Institutional Buyer
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39 ESG 39
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40 ESG Rating(ICRA) 82/100 Poor Weak Moderate Good Outstanding 0 20 40 60 80 100 Ujjivan Small Finance Bank Limited Previous Score Current Score Rating Symbol Rating Movement ESG Impact Rating - 82 Outstanding - Outstanding OutstandingGood Weightage: 45% Weightage: 25% Weightage: 30% Environment Social Governance 0 20 40 60 80 100 0 20 40 60 80 100 0 20 40 60 80 78 86 84
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41 Financial Literacy Program (FLP) 41 Diksha+ Pro For GL Cust IL Diksha For IL Cust Pragati For Small Vendor FLC for Rual Customers UEDP for MSME Cust Beyond Ujjivan 28,695 customers enrolled in Diksha FL program. 17% customers accessed different banking products. 36% customers paid their EMI digitally 5,642 customers enrolled in IL Diksha program. 18% customers accessed different banking products. 42% customers repaid their loans digitally 1,855 customers trained across 8 branches in Assam through ‘Pragati’ Financial literacy program which is designed for Nano-Entrepreneurs 38 MSME customers trained from 3 training sessions in 2 regions 606 new to bank (non-Ujjivan) customers trained through FLP Beyond Ujjivan initiative. The beneficiaries were students, daily wage workers, farmers, frontline govt employees 45,766 Participants Enrolled 8,930 customers and non-customers attended the camps across 199 rural branches
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42 Corporate Social Responsibility 42 62 Chote Kadam Ambulance provision Sangrur hospital Projects approved across government schools, hospitals and other institutions. Design underway. One project inaugurated. 169 Cleanliness & plantation drive Medical equipment distribution 149 branches participated 1,148 trees planted 3,686 kg waste collected 3.5K+ Employee volunteers Waste collection tricycle distribution Employees volunteered for different social initiatives 1.29L Beneficiaries impacted Employee volunteering People benefited through different CSR initiatives
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43 Ujjivan’s Journey 2019- 20 2016- 17 2025- 26 2023- 24 In-principle SFB approval in 2015 UFSL IPO launched; listed in May 2016 Ujjivan SFB IPO launched; listed in Dec 2019 Deposits crossed ₹10,000 Cr Reported highest ever PAT ₹1,281 Cr ROA 3.5%, ROE 26.1% GLB ~₹30,000 Cr GLB ₹40,655 Cr Deposits ₹45,668 Cr Highest ever CASA 28.6% Branches 776 Ujjivan SFB has successfully evolved from NBFC to a well-capitalized small finance bank Navigated major crises and built India’s leading SFB. Completed reverse merger with Holding Company in 2024 Since 2023-24 Operationalized newer secured Business lines: MM, MSME(WC & SCF), Gold, Vehicle and Agri Financing successfully 2004- 05 Ujjivan Financial Services Ltd. (UFSL) registered as NBFC with RBI Commenced operation in Southern India
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44 5 Year Annual Trend 44
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45 9,921 16,862 22,084 26,676 31,955 FY22 FY23 FY24 FY25 FY26 504 585 768 1,118 1,422 4,488 6,159 7,566 8,494 11,639 FY22 FY23 FY24 FY25 FY26 CA SA 18,292 25,538 31,462 37,630 45,668 FY22 FY23 FY24 FY25 FY26 62.1 73.3 82.4 91.8 97.4 FY22 FY23 FY24 FY25 FY26 Performance Track Record (1/4) Total Deposits (₹ Cr) Retail Deposits(₹ Cr) CASA Breakup (₹ Cr) Cost of Funds (%) CASA (%) Deposit Customers^ (Nos Lakh) 4,993 6,744 8,335 9,612 % CAGR % ^Includes: ‘Only Deposit Accounts’ and ‘both Asset and Deposit Accounts’ 26% 34% 27% 12% 13,062 6.2% 6.4% 7.3% 7.5% 7.2% 5.7% 5.7% 5.8% 5.8% 5.3% 6.5% 6.8% 7.9% 8.3% 8.0% FY22 FY23 FY24 FY25 FY26 Cost Of Funds Cost of SA Cost of TD 27.3% 26.4% 26.5% 25.5% 28.6% FY22 FY23 FY24 FY25 FY26
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46 14,113 20,037 23,389 23,464 32,576 FY22 FY23 FY24 FY25 FY26 18,162 24,085 29,780 32,122 40,655 FY22 FY23 FY24 FY25 FY26 Performance Track Record (2/4) Gross Loan Book (₹ Cr) Disbursement (₹ Cr) Asset Customer^ (Nos Lakh)Branch Network (Nos) Employees (Nos) % CAGR % ^Includes: ‘Only Asset Accounts’ and ‘both Asset and Liability Accounts’ 37.9 42.5 48.6 49.0 47.8 FY22 FY23 FY24 FY25 FY26 22% 23% 6% 575 629 752 753 776 FY22 FY23 FY24 FY25 FY26 16,895 17,870 22,566 24,374 26,555 FY22 FY23 FY24 FY25 FY26
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47 7.0% 0.09% 0.8% 2.4% 2.2%5.3% 0.06% 0.6% 1.7% 1.5% FY22 FY23 FY24 FY25 FY26 Average Gross Loan Book Average Total Asset -415 1,100 1,281 726 693 FY22 FY23 FY24 FY25 FY26 Performance Track Record (3/4) Margin (%) Operating Efficiency (%) Asset Quality (%) PAT (₹ Cr) Credit Cost* (%) COVID-19 Effect COVID-19 Effect 6.2% 6.4% 7.3% 7.5% 7.2% 8.8% 9.5% 9.1% 8.8% 8.1% FY22 FY23 FY24 FY25 FY26 Cost of Fund NIM 70% 55% 54% 62% 66% 6.8% 6.3% 6.2% 6.3% 6.4% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% 7.0% 8.0% -19% 1% 21% 41% 61% 81% 101% FY22 FY23 FY24 FY25 FY26 Cost/Income Ratio Opex/Average Asset 7.1% 2.6% 2.2% 2.2% 2.3% 0.6% 0.04% 0.3% 0.5% 0.4% FY22 FY23 FY24 FY25 FY26 GNPA NNPA COVID-19 Effect *On ATA & GLB reflected for transition year only
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48 -13.8% 31.4% 26.1% 12.4% 10.9% FY22 FY23 FY24 FY25 FY26 -1.9% 3.9% 3.5% 1.6% 1.4% FY22 FY23 FY24 FY25 FY26 Performance Track Record (4/4) Net Worth (₹ Cr) BVPS (₹) Cross Cycle RoA (%) CRAR (%) EPS (₹) Cross Cycle RoE (%) COVID-19 Effect Average ROA: 1.7% Average ROE: 13.4% 2,802 4,209 5,613 6,084 6,816 FY22 FY23 FY24 FY25 FY26 15.1 20.5 29.1 31.4 35.1 FY22 FY23 FY24 FY25 FY26 19.0% 25.8% 24.7% 23.1% 21.1% FY22 FY23 FY24 FY25 FY26 -2.4 5.82 6.65 3.75 3.57 FY22 FY23 FY24 FY25 FY26 COVID-19 Effect
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49 Glossary Abreviations Full Form Abreviations Full Form Abreviations Full Form ACR Automated Cash Recyler FTE Full Time Executive NNPA Net Non Performing Asset AePs Aadhaar Enabled Payment System FY Financial Year NTB New To Bank AHL Affordable Housing GL Group Loan OD Overdraft AMC Annual Maintenance Charges GLB Gross Loan Book OEMs Original Equipment Manufacturer ATA Average Total Asset GNPA Gross Non Performing Asset PAR Portfolio At Risk ATM Automated Teller Machine GST Goods And Service Tax PAT Profit After Tax BG Bank Guarantee ICRA Investment Information And Credit Rating Agency PCR Provision Coverage Ratio BOU Biller Operating Unit IL Individual Loan PFMS Public Financial Management System BVPS Book Value Per Share Int. Interest POSH Prevention Of Sexual Harrasment C/I Cost To Income IPO Initial Public Offer PPoP Pre-Provision Operating Profit CA Current Account IS Information Security PSLC Priority Sector Lending Certificate CAGR Compounded Annual Growth Rate ISO International Organisation For Standardization PWD's People With Disabilities CASA Current Account Saving Account IT Information Technology QoQ Quarter On Quarter CC Cash Credit ITR Income Tax Return QR Quick Response CD Certificate Of Deposit K Thousand RBI Reserve Bank Of India CE Collection Efficiency Kg Kilogram RM Relationship Manager CGFMU Credit Guarantee Fund For Micro Units KL Kiloliter RoA Return On Asset CGTMSE Credit Guarantee Fund For Micro And Small Enterprises KWh Killowatt-Hour RoE Return On Equity Coll. Eff. Collection Efficiency KYC Know Your Customer RPA Robotic Porcess Automation Cr Crore Lac Lakhs SA Saving Account CRAR Capital To Risk Weighted Assets Ratio LAP Loan Against Property SCF Supply Chain Finance CSR Corporate Social Responsibility LCR Liquidity Coverage Ratio SDKs Software Development Kits Cust. Customers LOS Loan Origination System SFB Small Fiannce Bank DE&I Diversity, Equity & Inclusion LRD Lease Rental Discounting SMS Short Message Services DIY Do It Yourself LTV Loan To Value TAT Turn Around Time DLOD Drop Line Overdraft MB Micro Banking tCO2e Tonnes Of Carbon Dioxide Equivalent DPD Days Past Due MF Mutual Fund TD Term Deposit DQ Data Quality MFI Microfinance Institution TRV Total Relationship Value DSA Direct Selling Agent MFIN Microfinance Industry Network UFSL Ujjivan Financial Services Limited EMI Equated Monthly Instalment Misc. Miscellanous UI UX User Interface / User Experience EPS Earning Per Share ML Machine Learning UPI Unified Payments Interface ESG Environment Social & Governance MM Micro Mortgage URC Unbanked Rural Center FD Fixed Deposit MSME Micro Small And Medium Enterprises UT Union Territory FL Financial Literacy NBFC Non Banking Financial Company Vendor CoC Vendor Code Of Conduct FLC Financial Literacy Camp NFS National Financial Switch WC Working Capital FLP Financial Literacy Program NII Net Interest Income WCDL Working Capital Dropline FOIR Fixed Obligation To Income Ratio NIM Net Interest Margin YoY Year On Year
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50 THANK YOU 50 For Investor Queries: investorrelations@ujjivan.bank.in siddharth.bharadwaj@ujjivan.bank.in gaurav.sah@ujjivan.bank.in