Ujjivan Small Finance Bank Ltd. · NSE:UJJIVANSFB
Ujjivan Small Finance Bank — Investor Presentation (June 2025)
30 slides from Ujjivan Small Finance Bank's investor presentation, Jun 10, 2025
Slide 1: Company Presentation
Company Presentation UJJIVAN SMALL FINANCE BANK
Slide 2: Agenda
AGENDA Macro Snapshot Scalable Products Financial Highlights ESG 2
Slide 3: India emerging as a major force; third-largest economy by 2027
INDIA IS EMERGING AS A MAJOR FORCE ON THE GLOBAL STAGE AND IS PROJECTED TO BECOME THE WORLD’S THIRD-LARGEST ECONOMY BY 2027 2024 2027 India’s GDP is expected to With a GDP of US$ 3.9T reach US $ 5.1T by 2027 Indian economy is at 5th and will be the 3rd position in 2024 largest economy in the world •
Slide 4: India's Growth, Inflation & Credit Story
INDIA’S GROWTH, INFLATION & CREDIT STORY Gross Domestic Product (₹ in Bn) Inflation (%) 17 .00 % 3,900 3,700 3,500 % GDP 9.7% 6.5% 3,300 9.2% 12 .00 % 8.3% 3,100 7.40% 8.0% 7.6% 6.8% 2,900 2,700 2,500 6.5% 3.9% 7.0 0% 2,300 2,100 3,310 6.7% 3,010 1,900 6.2% 5.9% 2,690 1,700 5.5% 5.4% 2.0 0% 2,360 4.
Slide 5: Small Finance Bank: Driving Credit, Deposit & Financial Inclusion
SMALL FINANCE BANK (SFB): DRIVING CREDIT, DEPOSIT & FINANCIAL INCLUSION Small Finance Bank Credit (₹ in Bn) Small Finance Bank Deposit (₹ in Bn) 2,298 2,509 1,848 1,913 1,400 1,457 1,116 1,095 915 825 554 353 492 231 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY18 FY19 FY20 FY21 FY22 FY23 FY24 Small Finance
Slide 6: Phased approach by RBI in granting SFB licenses
PHASED APPROACH BY RBI IN GRANTING SFB LICENSES THUS BUILDING COMPLIANCE DRIVEN BANKS RBI released draft • Capital SFB Guidelines on SFBs • Equitas SFB • Jana SFB 2014 2015 2016 2017 2018 2020 2021 • Suryodaya SFB • Utkarsh SFB • 72 Applicants • Ujjivan SFB • Shivalik SFB • Provisional Licenses • ES
Slide 7: Agenda
AGENDA Macro Snapshot Scalable Products Financial Highlights ESG 7
Slide 8: Ujjivan Journey
UJJIVAN JOURNEY ● USFB IPO oversubscribed ● Merger with holding 170x, most successful IPO company completed ● Incorporated as ● In-principle SFB approval in 2015 in financial services in UFSL; NBFC license 2019 ● Deposits crossed ₹ 300 received Bn ● UFSL IPO was oversubscribed 40x; ● Set benchmark i
Slide 9: Presence & Highlights
PRESENCE & HIGHLIGHTS Presence Geographies: Banking Outlets: ATMs: Customers: 26 States & UTs 753 613 9.5 Million + Highlights Applied for Universal Bank License 8 Year Track record as SFB Well diversified portfolio: Less than 15% concentration in each state respectively for both Asset and Liability
Slide 10: Well Diversified Pan India Presence
WELL DIVERSIFIED PAN INDIA PRESENCE Mar’25 Gross Loan Book (%) TN 14.2% KA 12.8% 2 CH:2 WB 11.7% 19 MH 9.9% 6 39 DL:14 GJ 8.4% UP 6.8% 39 60 17 ND 6.4% 52 1 BR 6.1% 8 HR 5.2% 59 14 21 97 RJ 4.5% JH 2.3% 4 PB 2.1% 25 OR 1.8% 54 5 MP 1.6% KL 1.5% Region-wise Branch-wise 3 TR 1.3% 2 AS 1.1% 94 Rural, U
Slide 11: Growth, Quality and Resilience
Who we are GROWTH, QUALITY AND RESILIENCE Scalable Growth Profitability Efficiency Capital Adequacy Asset Quality Gross Loan Book PAT C/I Ratio Total Capital GNPA ₹ 321 Bn ₹ 7.26 Bn 62% ₹ 61 Bn 2.2% Secured Mix NIM Opex / Avg Asset CRAR NNPA 44% 8.8% 6.3% 23.1% 0.5% Deposit ROA Business* Per Credit
Slide 12: Expanding Horizons: Universal Banking for Sustainable Growth
EXPANDING HORIZONS: UNIVERSAL BANKING FOR SUSTAINABLE GROWTH & DIVERSIFICATION RBI’s Eligibility Criteria Ujjivan’s Stance Opportunity For Ujjivan Small Finance Bank 8+ years of consistent Minimum 5 years of scheduled Banking track record bank status with strong 01 Freeing Up of Growth Revamped Bran
Slide 13: The Foundation of Growth: Low Cost Deposit + Robust Governance
THE FOUNDATION OF GROWTH: LOW COST DEPOSIT + ROBUST GOVERNANCE Operational Moat & Business Model Pillars of Strength Retail-Focused Lending Model • 91% of loans to retail customers, predominantly informal Professional Leadership & Governance: and semiformal • Experienced Board and domain-led Managem
Slide 14: Board and Management
BOARD AND MANAGEMENT Strong Independent Board Banavar Anantharamaiah Prabhakar Anita Ramchandran Sudha Suresh Chairman and Independent Director Independent Director Independent Director Experience:Andhra Bank, Bank of India, Experience: AF Ferguson & Co, Cerebrus Experience:S Rao & Associate, Mani C
Slide 15: Agenda
AGENDA Macro Snapshot Scalable Products Financial Highlights ESG 15
Slide 16: Scalable Opportunities Across Credit Segments
SCALABLE OPPORTUNITIES ACROSS CREDIT SEGMENTS Micro Banking • MFI Industry catering to nearly 800 Mn families amounting to ₹ 3,800 Bn Affordable Housing • Total Market Potential: ₹ 17,000 Bn by 2027 • Total addressable market for Affordable housing Source: National Council of Applied Economic Resear
Slide 17: Resilient Growth in Asset Book with Diversified Origination
RESILIENT GROWTH IN ASSET BOOK WITH DIVERSIFIED ORIGINATION Loan Book Growth (₹ in Bn) FY25 Loan Book Breakup (₹ in Bn) Agri Agri, Banking, Others , MSME & Vehicle 3.2, 1% 13.9, 4% Housing & Gold MFI Non MFI FIG , 27.9, 9% 321.2 MSME, 20.5, 6% 297.8 Group Loan , Covid -19 130.9, 41% Demonetization 2
Slide 18: Multiple Loan Product Offering Catering to Diverse Customers
MULTIPLE LOAN PRODUCT OFFERING CATERING TO DIVERSE RANGE OF CUSTOMERS Group Loan Individual Loan Affordable Housing Micro Mortgage • Customer Segment: Salaried, • Customer Segment: Salaried, • Customer Segment : Self- • Customer Segment : SENP Self Employed (Annual household Self Employed (Annual ho
Slide 19: Liability / Deposit Profile
LIABILITY / DEPOSIT PROFILE Total Liability (₹ in Bn) FY25 Deposit Breakup (₹ in Bn) Bulk TD, 106.6, 404.8 28% Retail 336.3 TD, 281.8 170.6, 200.6 163.8 147.3 45% 115.5 CD, 3.0, CASA, 70.1 76.3 1% 96.1, 26% FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 Segment wise deposit mix Bank Corporate Govt Ind
Slide 20: Building a Sticky, Low-Cost Deposit Engine
BUILDING A STICKY, LOW-COST DEPOSIT ENGINE Current Account Book (₹ in Bn) Saving Account Book (₹ in Bn) 84.9 11.2 75.7 61.6 44.9 7.7 5.9 22.6 5.0 4.4 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Retail Deposit Book (₹ in Bn) Total Deposit Book (₹ in Bn) 266.8 376.3 220.9 314.6 255.4 168.6 182.9
Slide 21: Strengthening Core Franchise via Liability Led Growth
STRENGTHENING CORE FRANCHISE VIA LIABILITY LED GROWTH Customer Base ( No in Mn) 9.51 8.60 7.69 5.92 6.48 3.74 4.61 3.44 1.91 2.69 3.67 3.52 3.89 4.5 4.57 0.34 0.27 0.36 0.36 0.33 FY21 FY22 FY23 FY24 FY25 Asset Only Asset & Liabilty Liability Only Liability only customer base has increased 2.4x indic
Slide 22: Serving Customers Through Multiple Channels
Macro SERVING CUSTOMERS THROUGH MULTIPLE CHANNELS Retail Mobile / Internet Banking RBI Innovation Hub Payments Business Internet Banking • Available in 9 Languages (including • Live on Unified Lending Interface English) • UPI & UPI Lite service (ULI) for Housing Loans, Micro • Easy access to multipl
Slide 23: Strong IT Infrastructure
Macro Who STRONG IT INFRASTRUCTURE we are Financial Inclusion Digital Customer Onboarding Delivering solutions through Branches Rule Engine for loan decision system and Assisted Channels ILOS, GLOW, e-Signing and e-Stamping HHD, Digital Repayments options Integration with Account Aggregator Loan Ori
Slide 24: Data Analytics
DATA ANALYTICS Year Of Breakthrough Amplifying the Momentum Plan 2025 Smart algorithms with deeper wallet share Aiming to unlock ~3% ( Rs 6 Bn+) business contribution next year by activating all Capitalized Existing Resources verticals ,utilizing phone banking along with AI-led digital channels Leve
Slide 25: Agenda
AGENDA Macro Snapshot Scalable Products Financial Highlights ESG 25
Slide 26: Income Statement
INCOME STATEMENT Particulars (₹ in Bn) FY23 FY24 FY25 Interest Earned 41.65 56.77 63.54 Other Income 5.89 7.89 8.46 Total Income 47.54 64.64 72.01 Interest Expended 14.67 22.68 27.18 Personnel Expenses 9.20 11.83 14.99 Operating Expenses 8.82 10.96 12.94 Total Cost 32.69 45.47 55.11 Pre Provision Op
Slide 27: Balance Sheet
BALANCE SHEET Particulars (₹ in Bn) Mar 31, 2023 Mar 31, 2024 Mar 31, 2025 CAPITAL AND LIABILITIES Net worth 42.09 56.14 60.83 Capital 21.55 19.31 19.35 Employees Stock Options Outstanding 0.51 0.72 0.90 Reserves and Surplus 20.03 36.10 40.59 Deposits 255.38 314.62 376.31 Borrowings 26.42 21.71 28.4
Slide 28: Agenda
AGENDA Macro Snapshot Scalable Products Financial Highlights ESG 28
Slide 29: ESG
ESG Environment Social Governance ISO 27001:2022 Certified IS Total Scope 1 & 2 Emission 20% Gender Diversified Ratio Management System Intensity/Rupee Turnover : 1.93 14,560+ Employees Volunteering Hours 55% Gender Diversity at Board Scope 3 Emissions Intensity/Rupee 38.9 Average Hours of Training
Slide 30: Thank you
Thank you For Investor Queries: investorrelations@ujjivan.com
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