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NINE MONTHS RESULTS

Ujjivan Small Finance Bank Ltd.

Jul 23 BSE 68.83 (+ 3.77 5.79%)

Volume8711971

Prev. Close
65.06

Open Price
65.00

Today's Low / High

61.68 72.20

Bid. Price (Qty.)0.00 (0)

Offer Price (Qty.)
0.00 (0)

52 Wk Low / High

41.40 72.20

Jul 23 NSE 68.78(+ 3.73 5.73%)

Volume150100120

Prev. Close
65.05

Open Price
65.05

Today's Low / High

61.75 72.24

Bid Price (Qty.)0.00 (0)

Offer Price (Qty.) 0.00 (0)

52 Wk Low / High

41.32 72.24

Standalone

(₹ in Crs.)

Particulars	Dec 25	Dec 24	Dec 23	Dec 22	Dec 21
Interest Earned
Int. /Disc. on Adv/Bills	4419.14	4166.09	3626.77	2670.46	1816.91
Income on Investment	614.31	597.13	502.59	276.35	132.35
Int. on balances With RBI	13.65	8.41	7.72	10.94	45.31
Others	5.99	9.41	11.57	22.42	0.00
Total Interest Earned	5053.09	4781.04	4148.65	2980.17	1994.56
Other Income	800.82	576.51	550.62	410.13	210.71
Total Income	5853.91	5357.55	4699.27	3390.30	2205.28

EXPENDITURE
Interest Expended	2274.98	2009.07	1672.73	1020.27	764.95
Employee Cost	1321.02	1079.88	855.89	667.01	585.70
Other Expenses	1062.38	939.11	772.10	628.55	481.37
Total Expenses	4658.38	4028.06	3300.72	2315.83	1832.02

Operating Profit Before Provisions And Contingencies	1195.53	1329.49	1398.55	1074.47	373.26
Provisions And Contingencies	655.25	483.16	135.94	19.73	1097.06
P/L Before Tax	540.28	846.33	1262.61	1054.74	-723.80
Tax	129.62	203.60	310.74	264.32	-182.69
P/L After Tax from Ordinary Activities	410.66	642.73	951.87	790.42	-541.11
Net Profit/Loss For the Period	410.66	642.73	951.87	790.42	-541.11

Equity Share Capital	1938.46	1934.54	1956.54	1954.50	1728.31
Capital Adequacy Ratio - Basel -II	21.62	23.90	24.37	26.02	0.00
EPS Before Extra Ordinary *
Basic EPS (Rs.)	2.12	3.32	4.87	4.35	-3.13
Diluted EPS (Rs.)	2.09	3.28	4.79	4.35	-3.13
EPS After Extra Ordinary *
Basic EPS (Rs.)	2.12	3.32	4.87	4.35	-3.13
Diluted EPS (Rs.)	2.09	3.28	4.79	4.35	-3.13

NPA Ratios:
Gross NPA	879.39	811.23	570.74	737.55	1611.66
Net NPA	208.08	164.94	42.75	9.48	251.55
(%) of Gross NPA	2.38	2.68	2.18	3.64	0.10
(%) of Net NPA	0.57	0.56	0.17	0.05	0.02
Return on Assets %	0.84	1.51	2.63	3.07	-0.03

OPBPC Margin (%)	23.65	27.80	33.71	36.05	18.71
PBT Margin (%)	10.69	17.70	30.43	35.39	-36.28
PAT Margin (%)	8.12	13.44	22.94	26.52	-27.12

Particulars	Dec 25
Interest Earned
Int. /Disc. on Adv/Bills	4419.14
Income on Investment	614.31
Int. on balances With RBI	13.65
Others	5.99
Total Interest Earned	5053.09
Other Income	800.82
Total Income	5853.91

EXPENDITURE
Interest Expended	2274.98
Employee Cost	1321.02
Other Expenses	1062.38
Total Expenses	4658.38
Operating Profit Before Provisions And Contingencies	1195.53
Provisions And Contingencies	655.25
P/L Before Tax	540.28
Tax	129.62
P/L After Tax from Ordinary Activities	410.66
Net Profit/Loss For the Period	410.66
Equity Share Capital	1938.46
Capital Adequacy Ratio - Basel -II	21.62
EPS Before Extra Ordinary *
Basic EPS (Rs.)	2.12
Diluted EPS (Rs.)	2.09
EPS After Extra Ordinary *
Basic EPS (Rs.)	2.12
Diluted EPS (Rs.)	2.09
NPA Ratios:
Gross NPA	879.39
Net NPA	208.08
(%) of Gross NPA	2.38
(%) of Net NPA	0.57
Return on Assets %	0.84
OPBPC Margin (%)	23.65
PBT Margin (%)	10.69
PAT Margin (%)	8.12