Ujjivan Small Finance Bank Ltd. · NSE:UJJIVANSFB
Ujjivan Small Finance Bank — Q4 FY2026 Earnings Presentation
48 slides from Ujjivan Small Finance Bank's earnings presentation, May 8, 2026
Slide 1: Intimation letter to stock exchanges
USFB/CS/SE/2026-27/14 Date: May 08, 2026 To, National Stock Exchange of India Limited BSE Limited Listing Department, Listing Compliance, Exchange Plaza, C -1, Block G, Bandra Kurla P.J. Tower, Complex, Bandra (E), Dalal Street, Fort, Mumbai-400 051 Mumbai-400 001 Symbol: UJJIVANSFB Scrip Code: 5429
Slide 2: Q4FY26 Investor Presentation
Q4FY26 Investor Presentation
Slide 3: Disclaimer
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 solely by
Slide 4: Key Highlights
Key Highlights • Board and Management Augmentation continued through FY26 towards stated Organizational Vision Major Highlights • Strong provisioning and capital buffers provide meaningful absorption capacity for any Geo political led second / third order impacts • On April 13th received response fr
Slide 5: Key Business Highlights Q4FY26
Key Business Highlights Q4FY26 ₹ 40,655# Cr Total ₹ 45,668 Cr Gross Deposits Up 21% YoY Up 27% YoY Loan Book Mar’25: ₹32,122 Cr Mar’25: ₹37,630 Cr ₹ 20,079 Cr Secured Retail TD*+ ₹ 31,955* Cr Up 44% YoY Loan Book CASA Up 20% YoY Mar’25: ₹13,988 Cr Mar’25: ₹26,676 Cr 2.3% / 0.4% GNPA / Coll. Eff. 98.
Slide 6: Key Financial Highlights Q4FY26
Key Financial Highlights Q4FY26 Q4 YoY QoQ FY YoY Q4FY26 Q4FY25 Q3FY26 FY26 FY25 Growth Growth Growth NII ₹1,092 Cr ₹864 Cr 26.4% ₹1,000 Cr 9.2% ₹3,871 Cr ₹3,636 Cr 6.4% NIM 8.5% 8.3% 20 bps 8.2% 30 bps 8.1% 8.8% (74) bps PPoP ₹515 Cr ₹360 Cr 43.0% ₹440 Cr 17.0% ₹1,710 Cr ₹1,689 Cr 1.2% PAT ₹282 Cr
Slide 7: Well Diversified Pan India Presence
Well Diversified Pan India Presence Branches Mar’26 Gross Loan Book $ (%) – Top 10 States States with branch network Micro Banking# Non Micro Banking • 26 States and UTs Tamil Nadu 6.0% 6.5% 12.5% • 335 Districts Karnataka 6.2% 6.3% 12.5% 2 • 776 Branches (197 URCs) West Bengal 7.4% 4.1% 11.5% 2 • 8
Slide 8: Liabilities: Driving Retail Deposit Base
Liabilities: Driving Retail Deposit Base 7
Slide 9: Deposit Snapshot
Deposit Snapshot Total Liabilities Profile (₹ Crore) Bulk & Retail Deposit (₹ Crore) Retail Deposit Breakup (₹ Crore) 49,404 31,955 44,606 45,668 27,884 27,764 29,395 41,697 42,173 42,223 26,676 40,475 2,106 37,630 38,619 39,211 1,134 1,626 1,700 1,645 11,639 8,447 9,778 10,438 8,494 29,395 31,955 9
Slide 10: Well Diversified Deposit Mix
Well Diversified Deposit Mix Region Wise Deposit Mix Branch Classification Wise Deposit Mix Segment Wise Deposit Mix 3% 35% 15% 23% Mar’26 43% 18% 10% 26% 52% 38% 9% 21% 6% South North East West Metropolitan Rural Semi - Urban Urban Individual Bank Corporate Govt TASC 3% 21% 34% 16% 13% Mar’25 43% 1
Slide 11: Gross Loan Book: Well-Diversified Growth
Gross Loan Book: Well-Diversified Growth 10
Slide 12: Gross Loan Book And Disbursement
Gross Loan Book And Disbursement Segment Wise Gross Loan Book Segment Wise Disbursement Gross Loan % Gross % Gross % % Growth Growth Disbursement Growth Growth Particulars Book Loan Book Loan Book Particulars Disbursement Disbursement YoY QoQ (₹ Crore) YoY QoQ (₹ Crore) (Q4FY26) (Q4FY25) (Q4FY26) (Q
Slide 13: Book Yield And Average Ticket Size
Book Yield And Average Ticket Size Loan Book Yield (%) 22.5% 22.2% 22.2% 22.0% 22.0% 18.0% 17.6% 17.5% 17.5% 17.6% 12.0% 12.0% 12.1% 12.4% 11.8% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 *Micro Banking Overall ^Non Micro Banking *Micro Banking: Includes Microfinance GL & Non Microfinance GL and IL / ^Non M
Slide 14: Micro Banking (GL & IL)
Micro Banking (GL & IL) Gross Loan Book Growth (₹ Crore) Disbursement (₹ Crore) X Bucket Collection Efficiency 99.76% 13% YoY 32% YoY 99.63% 19,372 20,709 18,272 18,293 18,570 5,245 99.48% 4,688 6,014 4,259 5,687 3,973 3,934 1,376 5,182 5,332 5,464 1,224 1,128 99.26% 99.26% 1,185 1,090 13,685 14,696
Slide 15: Micro Banking (GL & IL)
Micro Banking (GL & IL) Disbursement To Borrower With Internal Peak PAR Trend (GL) Lender Wise GL Loan Book % Trend DPD Of 30+ In Preceding 6 Months 6.1% 5.7% Lender Overlap Mar’25 Jun’25 Sep’25 Dec’25 Mar’26 5.4% Unique to Ujjivan 48.3% 49.7% 51.0% 54.7% 55.9% 0.15% 5.4% 4.7% 0.13% 0.12% 0.12% 5.0%
Slide 16: Drivers Of Secured Book Growth – Housing
Drivers Of Secured Book Growth – Housing Gross Loan Book Growth (₹ Crore) Disbursement (₹ Crore) Loan Book Yield (%) 43% YoY 15% YoY 10,477 19.4% 19.4% 19.4% 19.2% 19.7% 8,749 9,560 7,308 7,962 1,577 1,329 1,304 1,094 1,130 1,072 1,144 893 892 723 309 220 238 284 13.5% 12.8% 13.2% 13.2% 13.1% 8,231
Slide 17: Drivers Of Secured Book Growth – MSME
Drivers Of Secured Book Growth – MSME Gross Loan Book Growth (₹ Crore) Disbursement (₹ Crore) Business Highlights 58% YoY 7% YoY Loan Against Property (LAP): Vintage Business with mix of Semi- Formal and Formal MSMEs Products: Long Term LAP, LRD, DLOD 2,865 3,230 2,559 572 220 535 509 Working Capita
Slide 18: Drivers Of Secured Book Growth – New Products
Drivers Of Secured Book Growth – New Products Vehicle Finance Gold Loan Agri Banking Business Performance Business Performance Business Performance ▪ Disbursement Run Rate Achieved: ₹236 Crore ▪ Disbursement Run Rate Achieved: ₹140 Crore ▪ Disbursement Run Rate Achieved: ₹44.8 Crore ▪ Book Yield: 20
Slide 19: Asset Quality
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Slide 20: Asset Quality
Asset Quality PAR 0, SMA & NPA (%) FY26 NPA Movement # 4.81% 4.54% 4.45% 299 3.98% 3.54% 1,062 542 2.52% 2.45% 2.36% 2.39% 2.27% 2.18% 2.29% 1.60% 1.99% 917 1.27% 696 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Opening NPA Slippages Recoveries/ Write-Off Closing NPA PAR 0 SMA GNPA Upgrades Segment Wise PAR 0
Slide 21: Healthy Collections
Healthy Collections Bank Level Collection Efficiency % 98.5% 98.3% 98.0% 97.9% 98.2% 97.1% 97.1% 97.2% 97.3% 97.3% 96.7% 96.7% 97.0% 96.7% 96.5% 97.5% 97.4% 97.2% 97.1% 96.9% 96.3% 96.4% 96.4% 96.4% 96.3% 96.1% 96.0% 96.2% 95.9% 95.9% Jan'25 Feb'25 Mar'25 Apr'25 May'25 Jun'25 Jul'25 Aug'25 Sep'25 Oc
Slide 22: Provision Coverage
Provision Coverage Provision & PCR Q4FY26 Provision Breakup# Total 11 00 710 772 787 860 952 Provision 90 % 81% 78% 76% 80 % 130 90 0 73% 73% 130 70 % Total NPA provision* 130 Floating 70 0 130 of ₹749 Cr Provision of 130 60 % ₹181 Cr 50 % 50 0 822 40 % 730 642 657 580 30 0 30 % GNPA Floating Tier I
Slide 23: Guidance FY27
Guidance FY27 Advances Growth Credit Cost RoA 1.4% to 1.5% of ~ 25% ~ 1.6% Average GLB 22
Slide 24: Financial Overview
Ike Financial Overview UJJIVA vssiva’ € BANK
Slide 25: Financial Overview
Financial Overview Cost to Income (%) & Operating NII (₹ Crore) & NIM* (%) Expenses/ Average Total Assets (%) Pre-Provision Operating Profit (₹ Crore) 8.2% 8.5% 6.8% 6.7% 8.3% 6.6% 70 % 6.2% 6.3% 3.8% 4.5 % 7.0 % 7.9% 8.5 % 3.4% 1,05 0 60 0 7.7% 4.0 % 65 % 3.1% 3.2% 3.0% 8.0 % 6.0 % 950 3.5 % 50 0 7
Slide 26: Financial Overview
Financial Overview EPS (₹) PAT (₹ Crore) & RoE (%) Net Worth (₹ Crore) 17.2% 40 0 20 .0% 18 .0% 35 0 16 .0% 30 0 11.5% 14 .0% 25 0 12 .0% 20 0 7.7% 10 .0% 6.7% 1.45 6,816 5.6% 282 8.0 % 6,519 6,323 15 0 6.0 % 0.96 6,083 6,191 186 10 0 0.63 4.0 % 103 122 0.43 0.53 83 50 2.0 % 0 0.0 % Q4FY25 Q1FY26 Q2
Slide 27: Profit & Loss Statement
Profit & Loss Statement Particulars (₹ Crore) Q4FY26 Q4FY25 YoY Growth Q3FY26 QoQ Growth FY26 FY25 YoY Growth Interest Earned 1,878 1,573 19% 1,752 7% 6,931 6,354 9% Other Income 307 270 14% 295 4% 1,108 846 31% Total Income 2,186 1,843 19% 2,047 7% 8,039 7,201 12% Interest Expended 786 709 11% 751
Slide 28: Total Income - Breakup
Total Income - Breakup Particulars (₹ Crore)4% Q4FY26 Q4FY25 YoY Growth Q3FY26 QoQ Growth FY26 FY25 YoY Growth Interest on loan 1,658 1,360 22% 1,548 7% 6,077 5,526 10% Int. on investments 218 211 3% 202 8% 845 816 4% Securitization Income 2 3 (29%) 2 (6%) 9 13 (33%) Total Interest Earned 1,878 1,57
Slide 29: Balance Sheet
Balance Sheet As at As at As at Particulars (₹ Crore) Mar 31, 2025 Dec 31, 2025 Mar 31, 2026 CAPITAL AND LIABILITIES Net worth 6,083 6,519 6,816 Capital 1,935 1,938 1,943 Employees Stock Options Outstanding 90 98 97 Reserves and Surplus 4,059 4,483 4,776 Deposits 37,630 42,223 45,668 Borrowings 2,84
Slide 30: Healthy Capital Adequacy
Healthy Capital Adequacy (₹ Crore) Mar’25 Jun’25 Sep’25 Dec’25 Mar’26 Credit Risk Weighted Assets 26,240 26,691 29,076 29,638 31,738 Tier I Capital 5,610 5,654 5,782 5,967 6,252 Tier II Capital* 451 423 429 440 456 Total Capital 6,062 6,077 6,211 6,407 6,709 CRAR 23.10% 22.77% 21.36% 21.62% 21.14% T
Slide 31: Ujjivan – Platform For Growth
Ujjivan – Platform For Growth 30
Slide 32: Serving Customer Digitally
Serving Customer Digitally Mobile & Internet Banking Highlight Micro Services 200+ Features Architecture Customized Themes Multiple Software & Enhanced UI UX Development Kit Integrations Key Achievements 2nd Rank Among SFB 93.7% 73% 45% UPI Outward Remitter in Digital Transactions Online Retail Term
Slide 33: Servicing Customers Through Multiple Channels
Servicing Customers Through Multiple Channels Channels Retail Mobile / Internet Banking Business Internet Banking Payments • Ujjivan EZY Mobile & Internet Banking platform made live for all customers • Dedicated platform for Corporate customers • UPI, UPI Autopay & UPI Lite service available • 200+
Slide 34: Data Analytics
Data Analytics Data Asset Loss Mitigation And Recovery Cross/Up-Sell(ML Based), Outcomes Arrest loan loss by scorecard driven NTB Acquisition underwriting, behavioural scorecard for collection, recovery model for 7 1 Unlock business contribution by activating all verticals, utilizing phone banking &
Slide 35: Strong Independent Board
Strong Independent Board Banavar Anantharamaiah Prabhakar Sanjeev Nautiyal Sudha Suresh Chairman and Independent Director MD & Chief Executive Officer Independent Director Education:Commerce graduate (University of Education: BA (Lucknow University), MBA Education: B.Com (Honors) CA (ICAI), Grad Mys
Slide 36: Key Management
Key Management Sanjeev Nautiyal Carol Furtado Martin Pampilly S MD & Chief Executive Officer Executive Director Chief Operating Officer Education: BA (Lucknow University), MBA Education: B. Sc (Bangalore University), PGDM Education: COO Certified (IIM Lucknow) (Lucknow University) (Mount Carmel Inst
Slide 37: Business Leaders
Business Leaders Rajeev Padmanabh Pawar Hitendra Nath Jha Umesh Arora Head of Treasury Head Retail Liabilities, TASC & TPP Head of Emerging Business Education: Bachelor of Science (Ranchi Education: MBA (JBIMS, University Of Mumbai) University), Bachelor of Laws (Saurashtra Education: Post Graduate
Slide 38: Shareholding Pattern As On Mar’26
Shareholding Pattern As On Mar’26 Top 10 Investors Franklin Mutual Fund 31.1% International Financial Corporation 17.2% Axis Mutual Fund Union Mutual Fund Vanguard Bajaj Finserv Mutual Fund 51.6% Mahindra Manulife Mutual Fund Aditya Birla Sun Life Mutual Fund Foreign Institutional Investors (FII & F
Slide 39: Annexures
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Slide 40: ESG At Our Core
ESG At Our Core Environment Scope 1 & 2 ~14,192 KWh Water Intensity/ Waste Intensity/ Paper Saving Scope 3 Emissions Emission Solar Energy Crore Turnover: Crore Turnover through Digitalisation Intensity/Crore Intensity/Crore generated & used 21.62 (KL) 0.0086 (tCO2e) 31.6 (Million Copies) Turnover:
Slide 41: ESG Rating
ESG Rating 80/100 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 - 80 Outstanding - Environment Social Governance 76 40 60 40 60 40 60 20 80 20 80 84 20 80 83 0 100 0 100 0 Good Out
Slide 42: Ujjivan’s Journey
Ujjivan’s Journey 2016- 2023- 17 24 GLB ₹32,122 Crore Ujjivan Financial Services Ujjivan SFB IPO launched; listed in Dec 2019 Reported highest ever PAT Ltd. (UFSL) registered as In-principle SFB approval Deposits ₹37,630 Crore ₹1,281 Crore NBFC with RBI in 2015 CASA 25.5% Deposits crossed ₹10,000 RO
Slide 43: 5 Year Annual Trend
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Slide 44: Performance Track Record (1/4)
Performance Track Record (1/4) Total Deposits (₹ Crore) Retail Deposits(₹ Crore) CASA Breakup (₹ Crore) 30% 44% 37% 9,612 8,335 6,744 26,676 4,993 37,630 8,494 22,085 31,462 7,566 2,699 16,862 25,538 6,159 4,488 13,136 18,292 9,921 2,257 6,242 442 504 585 768 1,118 FY21 FY22 FY23 FY24 FY25 FY21 FY22
Slide 45: Performance Track Record (2/4)
Performance Track Record (2/4) Gross Loan Book (₹ Crore) Disbursement (₹ Crore) 21% 29% 32,122 29,780 23,464 23,389 20,037 24,085 18,162 14,113 15,140 8,397 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Branch Network (Nos) Employees (Nos) Asset Customer^ (Nos Lakh) 5% 24,374 22,566 753 752 49.0
Slide 46: Performance Track Record (3/4)
Performance Track Record (3/4) Margin (%) Operating Efficiency (%) Asset Quality (%) 7.1% 7.1% 9.5% 8.8% 9.5% 9.1% 8.8% 6.8% 80 % 6.3% 6.3% 6.2% 6.3% 7.0 % 70 % 6.0 % 2.9% 60 % 7.3% 7.3% 7.5% 50 % 5.0 % 2.6% 2.2% 2.2% 6.2% 6.4% 70% 62% 61% 40 % 4.0 % 55% 54% 0.6% 30 % 0.3% 3.0 % 20 % 10 % 2.0 % 0.04
Slide 47: Performance Track Record (4/4)
Performance Track Record (4/4) Net Worth (₹ Crore) BVPS (₹) Cross Cycle RoA (%) Average ROA: 1.4% 31.4 6,084 3.9% 29.1 5,613 3.5% 4,209 20.5 17.5 3,219 15.1 1.6% 2,802 0.04% FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 -1.9% COVID-19 Effect CRAR (%) EPS (₹) Cross Cycle
Slide 48: THANK YOU
THANK YOU For Investor Queries: investorrelations@ujjivan.com siddharth.bharadwaj@ujjivan.com gaurav.sah@ujjivan.com 47
Ujjivan Small Finance Bank — Q4 FY2026 Earnings Presentation on 6ix