Ujjivan Small Finance Bank Ltd. · NSE:UJJIVANSFB
Ujjivan Small Finance Bank — Q3 FY20 Earnings Presentation
37 slides from Ujjivan Small Finance Bank's earnings presentation, January 2020
Slide 1: Q3 FY20 Presentation
log | UJJIVAN SMALL FINANCE BANK Q3 FY20 Presentation January 2020
Slide 2: Disclaimer
¥ UJJIVA Disclaimer © 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 s
Slide 3: Contents
4 Build a Better Life Contents Performance Highlights 4 Ujjivan — Building a Mass Market Bank Ss Dg . . se Business Overview SES, PY UyyrVAN SMALL FINANCE BANK 3
Slide 4: Net Profit up 98% Y-o-Y; strong growth in gross advances
s Py Net Profit at % 90 Cr up by 98% Y-0-Y; RoA / RoE at 2.1%/ 14% PROFITABILITY \ ofan i Afi Strong growth in Gross Advances* — up 46% Y-o-Y to % 13,617 Cr ™ *Gross Advances includes IBPC/Securitization SMALL FINANCE BANK Note: 1 crore = 10 million; 1 million = 10 lakhs
Slide 5: Performance Highlights
— ' Boe Performance Highlights PM UyyrVvAN SMALL FINANCE BANK 5
Slide 6: Q3FY20 Key Highlights
UJJIVA Build a Better Life 17,783 Employees Q3FY20 Key Highlights 24 States/ UTs, 244 Districts 574 branches}, 471 ATMs? Expanding Customer Base e 51.0 lakh customers 43.5 lakh borrowers Retail Deposits® % Crore % Crore 28.3 X Crore 3,403 . 13,617 ¢ se ca se 22.2 2,885 9,349 oy 5,376 Dec'18 Dec'19 Q
Slide 7: Q3FY20 Key Highlights
Ary Veuean Q3FY20 Key Highlights Total Income Net Interest Income Net Interest Margin i f cw % Crore % Crore au » ZS i 10.9% : 0.9% 11.0% 1.4% Q3Fv19 Dec’18 — =a <= Gi . - 2.1% 14% | 0.4% 1.7% 10.4% : 0.3% Q3-FY19 Q3-FY20 Q3FY19 Q3FY19 ' Dec’18 PM UiyyrVAN SMALL FINANCE BANK 7
Slide 8: GNPA, NNPA and PAR
UJJIVA GNPA, NNPA and PAR GNPA and NNPA Portfolio At Risk (PAR>0 %) —*—NNPA —=-GNPA 2.4% —— 1.6% 2.1% 1.4% > 0.9% 0.9% 03% . 0.3% —>. 0.4% Decl sep'9 Dec'19 Dec'18 Sep'19 Dec'19 PAR, Provision (% in Crore) & Provision Coverage Ratio NNPA (%) - Segment wise 81% 1.5% 1.3% 61% ss 1.0% 281 220 211 0.7%
Slide 9: Update on Assam MicroBanking Business
Update on Assam MicroBanking Business + Assam contributes 3% to total gross advances * 18 branches in Assam with a gross advances of % 424 crore * Major impact in Upper Assam area (7 Ujjivan branches) which contributes 1.4% of gross advances + CRR* continues to be strong at 98% * No presence in Dibr
Slide 10: Awards and recognition
IBA Banking Technology Ranked 6 Innovation Awards for 'The Best Best Companies to Work IT Risk Management and Cyber Strategy of the for Best HR Practice in developing a framework for Finance Sector Award implementing ERM using at Banking, Financial Services RAROC approach at ERM World and Insurance
Slide 11: Ujjivan — Building a Mass Market Bank
' Boe Ujjivan — Building a Mass Market Bank PM UyyrVvAN SMALL FINANCE BANK "
Slide 12: Well placed to gain from evolving country demographics
UJJIVA Build a Better Life Well placed to gain from evolving country demographics id to rea, nefits of the expanding le-class expansion* 219 Mn 293 Mn 386 Mn Primary focus areas for large private sector banks Housing Loans Target market for SFBs 151Mn (69%) 127Mn (43%) 57Mn (15%) 2005 2018 2030P “Tr
Slide 13: Products and services
Micro and Small Affordable Housing Financial Micro-Banking Vehicle Loans Personal Loans Enterprise Loans Loans Institutions Group Loan Group Loans Secured Construction and Two wheeler loan Loan to salaried Term loan to Individual Loans Enterprise and Purchase Electric three customers NBFCs and MFIs
Slide 14: Target Segment
Traders, Retailers and MSE Salaried / Corporate Salary Youth Target Senior Citizen Segment Micro banking customers and family members Local institutions & governments, schools, clinics, TASC Marginal farmers, Allied Agri Segment Ramped up retail deposits 4,624 crores (43% of total deposits) vs -o-Y
Slide 15: Other Income — diversifying revenue streams
Bs uyivan Build a Better Life Other Income — diversifying revenue streams Third Party Products SLC Incom % 14.4 crores in 9M FY20 % 46.8 crores in 9M FY20 Lo > GC >» / \ | ® Focussed approach to maximise PSLC income by way to Current line of products — to be ramped-up over \ automated tagging and be
Slide 16: Serving customers through multiple delivery channels
ujyjIvAn Serving customers through multiple delivery channels... Oe e 471 ATMs including 37 Automated Cash Recycler =] FL Web-based, can be accessed from any system machines Personal & — » High volume bulk upload facility e Re-enabling biometrics; to be completed by Business e Customizable client ce
Slide 17: ...Leading to improving efficiencies
...Leading to improving efficiencies GROWING DIGITAL BETTER TURN AROUND TIME MOVING TOWARDS TRANSACTIONS CASHLESS DISBURSEMENTS Number of banking transactions through digital channels as a percentage of overall transactions Digitized paperless loan origination and cashless disbursements with remitta
Slide 18: Rural, semi-urban, urban, metro mix
Rural 6% Metro Semi- 30% Urban 29% Urban 35% Sep-18 Dec-18 Sep-19 Dec-19
Slide 19: Metropolitan, urban, semi-urban, rural split
7% 24% 33% 36% Metropolitan Urban Semi-urban Rural 19
Slide 20: Key Growth Strategies
Br uysivan Key Growth Strategies EXPAND & OPTIMIZE DISTRIBUTION NETWORK COMPREHENSIVE & RELEVANT PRODUCTS © Entire gamut of asset and liability products to attract new customers. and deepen existing customer relationships © Expand range of third party products and services © Increase penetration of
Slide 21: Business Overview
— ' Boe Business Overview PM UyyrVvAN SMALL FINANCE BANK 21
Slide 22: Gross Advances and Disbursement Trend
a UJJIVA Build a Better Life Gross Advances and Disbursement Trend Gross Advances (2 in Crore) Total Disbursements (2 in Crore) Off-balance ¢“~ ~ ar = 2 Q 1 > > ¢ NIL » sheet Portfolios 28 net 8 oe Sen ullee? 1 oy ' 1 i 1 1 Gross 48% 1 Advances a 1 Portfolio I 1 Dec'-18 Sep-19 Dec-19 Q3-FY19 Q3-FY20
Slide 23: 1,381 1,212 1,274 1,086 741 23
147 105 546 521 1,381 1,212 42 137 100 92 668 1,274 1,086 7 741 23
Slide 24: *NM - 3399% y-o-y growth
153 461 656 18 84 496 395 126 67 88 58 226 311 953 24 232 219 512 203 152 7 42 56 75 313 397 157 134 - 207 7,124 6,017 2,523 2,434 2,308 *NM - 3399% y-o-y growth 24
Slide 25: Cost of deposits
7.8% 8.0% 7.8% 3.7% 3.8% 3.6% ^ TD: Term Deposits, CASA: Current Account, Savings Account *Cost of Blended Deposits TD + CA+ SA 25
Slide 26: Well-diversified Deposit Mix
Boe Well-diversified Deposit Mix Region-wise deposit mix Branch classification wise deposit mix Segment wise deposit mix > = « Individuals = East Banks = Corporate = Govt. m TASCA = West = North = Metropolitan = Urban =SemiUrban = Rural = South Total Deposits (excluding CDs) as on 31 Dec’19: % 9,656
Slide 27: Listing and capital raise
^Complying with the Small Finance Bank licensing requirement, the Bank got listed; 1,045 crores including Employee Stock Purchase Scheme 27
Slide 28: ALM (Dec-19)
ALM (Dec-19) Crores 4,323 3,998 4,944 Deposits Borrowings 3,523 Advances 2,548 Investments 1,228 1,434 1,288 1,002 1,123 1,365 1,008 1,076 419 403 2 <1M 1M 2M 2M 3M 3M 6M 6M 12M 1Yrs 3Yrs 3Yrs 5Yrs >5 Yrs ALM: Cumulative* (Dec-19) Crores 2,173 1,818 1,018 871 887 220 146 (97) Advances includes the u
Slide 29: Financial Overview
— ' Boe Financial Overview PM UyyrVvAN SMALL FINANCE BANK 29
Slide 30: Financial Overview
UJJIVA Build a Better Life Financial Overview Nil (2 in Crore) & NIM Cost to Income Ratio (%) mami Net Interest Income | —@—Net Interest Margin ' 77.8% ! ' E I 11.0% 10.9% 1 10.8% 10.7% \ 75.8% ° 4 1 4 71.3% i ' 1 1 I 68.5% ' 1 me ass | ; 1 . Q3-FY19 Q3-FY20 9M-FY19 9M-FY20 Q3-FY19 Q3-FY20 9M-FY19 9
Slide 31: Income Statement
a UJJIVA Build a Better Life Income Statement Rin Crore A Interest Earned 1966 1,296 Other Income 75 49 54% 75 0% 250 140 79% Total Income 782 511 53% 729 7% 2216 1,435 54% Finance Cost 280 182 (54)% 266 (5)% 799 509 (57)% Personnel Cost 205 141 (45)% 183 (12)% 553 385 (43)% Other Operating Cost ASS
Slide 32: Other Income - Breakup
Other Income - Breakup Break — up of Other Income (3 in cr) Q3-FY20 Q2-FY20 Q3-FY19 Interest on loan Int. on investments Securitization Inc. Total Interest Earned Processing Fees PSLC Income Bad Debts Recovery Insurance Income Misc. Income Total Other Income Total Income 38) 782 33 729 a UJJIVA Buil
Slide 33: Balance Sheet
¥ UJJIVA Balance Sheet Rin Crore SO CAPITAL AND LIABILITIES Capital 1,928 1,640 1,640 Share Application Money Pending Allotment : 36 : Employees Stock Options Outstanding 13 11 - Reserves and Surplus 1,167 353 129 Deposits 10,656 10,130 5,376 Borrowings 3,099 3,470 3,593 Other Liabilities and Provis
Slide 34: Shareholding pattern
1.7% 1.2% 3.2% 4.9% Promoter* 5.7% Resident Individuals/ HUFs Foreign Investors AIF Mutual Funds 83.3% Others * Promoter is Ujjivan Financial Services Limited 34
Slide 35: Experienced Management Team
Experienced Management Team 3 2 s é Nitin Chugh ° 5 Mr. Chugh has assumed office as a President with effect from August 17, 2019 and took charge as MD &CEO from December 01, 2019 3 8 = 5 Ae a z a = = 2 = c > F-) 3 3 3 S a a 5 a s $ o % € s 2 © Rich experience across traditional and digital banking w
Slide 36: Strong Independent Board
UJJIVA Strong Independent Board Sunil Part-Time Chairman and Independent Director Nitin Chugh MD and CEO Jayanta Kumar Basu Non-Executive Director Vandana Viswanathan Independent Director Chitra Kartik Alai Non-Executive Nominee Director Sachin Bansal Independent Director Education B.Com from Univer
Slide 37: Thank You!
— ' Boe Thank You! PM UyjrVAN SMALL FINANCE BANK 37
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