Ujjivan Small Finance Bank Quarterly Results

Pros & Cons

POSITIVES

Consistent growth in net interest income indicates strong asset quality and lending capabilities.
Improvement in the net profit margin reflects better efficiency and cost management in operations.
Increased customer base and deposits signify enhanced market penetration and trust among clients.

NEGATIVES

Rising non-performing assets (NPAs) may signal potential credit risk and affect profitability.
Higher operational costs could compress profit margins, impacting overall financial health.
Slower loan growth compared to industry peers raises concerns about competitive positioning.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	1,391.14	1,470.63	1,528.51	1,577.18	1,612.79	1,591.07	1,573.36	1,618.84
Expenses	1,096.42	1,198.09	1,246.08	1,264.75	1,359.24	1,404.07	1,483.29	1,507.35
Financing Profit	294.72	272.54	282.43	312.43	253.55	187	90.07	111.49
Other Income	188.64	184.76	236.13	197.09	207.25	172.17	269.69	248.99
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	436.44	394.39	439.56	399.67	310.29	136.37	95.26	135.54
Tax	108.70	94.33	109.93	98.59	77.26	27.75	11.87	32.32
Net Profit	327.74	300.06	329.63	301.08	233.03	108.62	83.39	103.22
Gross Npa %	2.35	2.18	2.23	2.52	2.52	2.68	2.18	2.52
Net Npa %	0.09	0.17	0.28	0.41	0.56	0.56	0.49	0.70