Ujjivan Small Finance Bank Limited

rs,

tatement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, ec

₹39,211

ited Reviewed financials or based on Management estimates. 2 2 Key Highlights ▪ Total Deposit at ₹39,211 Cr up 15.1% YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CAS

15.1%

financials or based on Management estimates. 2 2 Key Highlights ▪ Total Deposit at ₹39,211 Cr up 15.1% YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached

1.5%

based on Management estimates. 2 2 Key Highlights ▪ Total Deposit at ₹39,211 Cr up 15.1% YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost

₹10,783

ey Highlights ▪ Total Deposit at ₹39,211 Cr up 15.1% YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost of Funds dropped to 7.3% from 7.6% in Q1F

22.1%

▪ Total Deposit at ₹39,211 Cr up 15.1% YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost of Funds dropped to 7.3% from 7.6% in Q1FY26 ▪ Over

14.9%

it at ₹39,211 Cr up 15.1% YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost of Funds dropped to 7.3% from 7.6% in Q1FY26 ▪ Overall Bank custo

27.5%

YoY and 1.5% QoQ Deposits ▪ CASA Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost of Funds dropped to 7.3% from 7.6% in Q1FY26 ▪ Overall Bank customer base increased to 98.

7.3%

A Deposit at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost of Funds dropped to 7.3% from 7.6% in Q1FY26 ▪ Overall Bank customer base increased to 98.8 L, up 8.0% YoY and 2.1% QoQ ▪

7.6%

at ₹10,783 Cr up 22.1% YoY and 14.9% QoQ; CASA% reached 27.5% ▪ Cost of Funds dropped to 7.3% from 7.6% in Q1FY26 ▪ Overall Bank customer base increased to 98.8 L, up 8.0% YoY and 2.1% QoQ ▪ Highest ev

8.0%

of Funds dropped to 7.3% from 7.6% in Q1FY26 ▪ Overall Bank customer base increased to 98.8 L, up 8.0% YoY and 2.1% QoQ ▪ Highest ever disbursements at ₹7,932 Cr, Growth of 47.6% YoY and 21.3% QoQ Ass

2.1%

pped to 7.3% from 7.6% in Q1FY26 ▪ Overall Bank customer base increased to 98.8 L, up 8.0% YoY and 2.1% QoQ ▪ Highest ever disbursements at ₹7,932 Cr, Growth of 47.6% YoY and 21.3% QoQ Assets & Asset Q

“• Created in Q1 FY22 of amount ₹250 Cr which could be utilized for making specific provisions in extraordinary circumstances, as per RBI guidelines • For FY 22, ₹250 Cr was earmarked towards NNPA / PCR calculation • During Q1 FY23, Bank had earmarked ₹220 Cr for NNPA / PCR calculation and ₹30 Cr as part of Tier II capital • During Q4 FY25, Bank utilized Rs.”

“0 2 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 COVID-19 Effect 1 .”

“1 3 Average ROA: 1.4% 3.9% 3.5% 1.6% 0.04% FY21 FY22 -1.9% FY23 FY24 FY25 CRAR (%) EPS (₹) Cross Cycle RoE (%) 26.4% 19.0% 25.8% 24.7% 23.1% 2 8 .”

Turnover

2

Liabilities

1

Assets

1

Advances Growth

1

Secured Book Growth

1

Maintain CD Ratio

1

Cost to Income

1

Credit Cost

1

Floating Provision

1

Crore Turnover

1

Liabilities

Driving Retail Deposit Base 7 Deposit Snapshot Total Liabilities Profile (₹ Crore) Bulk & Retail Deposit (₹ Crore) Retail Deposit Breakup (₹ Crore) 36,692 1,355 38,218 2,570 40,475 1,626 41,697 1,700 42,173 1,645 34,070 34,494 37,630 38,619 39,211 34,070 34,494 37,630 38,619 39,211 24,746 25,274 26,676 27,884 27,764 24,746 25,274 7,984 849 7,834 829 26,676 8,494 1,118 27,884 27,764 8,447 934 9,778 1,005 15,914 16,612 17,064 18,503 16,981 1,267 Sep'24 1,154 1,219 Dec'24 Mar'25 1,378 Jun'25 1,317 Sep'25 9,324 Sep'24 9,220 10,954 10,735 11,447 Dec'24 Mar'25 Jun'25 Sep'25 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Refinance Deposit *Others Bulk Deposits Retail Deposits Retail TD CA SA Cost of Funds# (%) Average SA balance (₹ 000’s) Customer Base (Nos. Lakhs) % 2 . 8 % 6 . 7 % 5 . 7 % 8 . 5 % 8 . 5 % 2 . 8 % 6 . 7 % 7 . 5 % 3 . 8 % 6 . 7 % 5 . 5 % 3 . 8 % 3 . 7 % 2 . 8 % 2 . 5 45.4 42.4 44.6 43.0 48.8 9.3 8.9 9.5 9.3 10.5 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Sep’24 Dec’24 Mar’25 Jun’25 Sep'25 91.5 93

Assets

Well-Diversified Growth 10 Gross Loan Book And Disbursement Segment Wise Gross Loan Book Segment Wise Disbursement Particulars Gross Loan Book (₹ Crore) % Gross Loan Book (Q2FY26) % Gross Loan Book (Q2FY25) Growth YoY Growth QoQ Particulars Disbursement (₹ Crore) % Disbursement (Q2FY26) % Disbursement (Q2FY25) Growth YoY Growth QoQ Group Loans 13,106 Individual Loans Housing Micro Mortgage MSME FIG Lending Vehicle Loan Gold Loan Agri Banking ^Others Total Secured 38% 16% 22% 3% 7% 7% 2% 1% 1% 2% 5,464 7,656 1,094 2,559 2,489 656 412 510 643 49% 16% 18% 1% 5% 7% 1% 0.2% 0.4% (12)% 9% 42% 180% 69% 22% 150% 565% 278% 1% 2% 8% 23% 14% Group Loans 3,131 Individual Loans 1,128 Housing Micro Mortgage MSME 834 238 508 (11)% FIG Lending 1,353 17% 41% 27% Vehicle Loan Gold Loan Agri Banking 2% (2)% (11)% ^Others 34,588 100% 100% 16,173 47% 35% 14% 53% 4% 7% Total Secured 165 214 135 226 7,932 3,701 ^Others includes: Staff loan, OD-FD & others 39% 14% 11% 3% 6% 17% 2% 3% 2% 3% 45% 16% 12% 2% 4% 3

Credit Cost

2.3% - 2.4% of GLB RoE: 10% - 12% RoA: 1.2% - 1.4% 23 23 Financial Overview 24 24 Financial Overview NII (₹ Crore) & NIM* 8.6% 8.3% 7.7% 887 864 856 9.2% 944 970 920 870 820 770 720 Cost to Income Ratio & Operating Expenses/ Average Total Assets (%) Pre-Provision Operating Profit (₹ Crore) 7.9% 922 9.5% 9.0% 8.5% 8.0% 7.5% 7.0% 6.5% 6.0% 5.5% 5.0% 70% 68% 66% 64% 62% 60% 58% 56% 6.4% 6.3% 6.8% 6.2% 6.3% ^ 68% 67% 66% ^ 64% 60% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 4.3% 461 500 450 400 350 300 250 200 150 100 50 0 3.2% 3.1% 3.0% 3.2% 359 360 360 395 4.0% 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Net Interest Income Net Income Margin C/I Ratio Opex/Avg Asset PPoP PPoP (ROA) NII (₹ Crore) & NIM* Cost to Income Ratio & Operating Expenses/ Average Total Assets (%) Pre-Provision Operating Profit (₹ Crore) 9.2% 7.8% 6.3% 6.2% 4.6% 3.1% 1,885 1,778 58% 67% 970 756 H1-FY25 H1-FY26 Net Intere

Floating Provision

• Created in Q1 FY22 of amount ₹250 Cr which could be utilized for making specific provisions in extraordinary circumstances, as per RBI guidelines • For FY 22, ₹250 Cr was earmarked towards NNPA / PCR calculation • During Q1 FY23, Bank had earmarked ₹220 Cr for NNPA / PCR calculation and ₹30 Cr as part of Tier II capital • During Q4 FY25, Bank utilized Rs. 69 Cr of Floating Provision towards adjustment of shortfall on transfer of stressed loan to ARC, as per RBI guidelines • Earmark continues for amounts of ₹130 Cr for NNPA / PCR calculation, ₹30 Cr as part of Tier II capital • The balance ₹21 Cr has been earmarked as part of other provisions 30 Ujjivan – Platform For Growth 31 31 Serving Customers Through Multiple Channels Retail Mobile / Internet Banking Payments Business Internet Banking Phone / Video Banking • Available in 9 Languages (including English) • Easy access to multiple relationships with one app • Multiple payments modes: NEFT, RTGS, IMPS & Internal fund transfers • Val

Crore Turnover

21.62 (KL) Waste Intensity/ Crore Turnover 0.0086 (tCO2e) Paper Saving through Digitalisation 31.6 (Million Copies) Emission Saved 295.5 (tCO2e) Social 19% Gender Diversified Ratio 14,560+ Employees Volunteering Hours 38.9 Average Hours of Training / Employees

Impacted

600+ Beneficiaries impacted through Financial Literacy Program: 0.17 Mn Governance ISO 27001:2022 Certified IS Management System 55% Gender Diversity at Board 78% of the board of Directors are Independent 4.2 Mn Digital Customer Base- 23% Growth YoY Policy on Whistle – blower, anti – bribery, anti- corruption, anti – money laundering, IT security, POSH etc. 43 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 40 60 76 80 20 0 Social 40 60 20 80 84 20 100 0 100 0 Governance 40 60 83 80 Good Outstanding Outstanding Weightage: 45% Weightage: 25% Weightage: 30% 44 Ujjivan’s Journey 2016- 17 2023- 24 Ujjivan Financial Services Ltd. (UFSL) registered as NBFC with RBI In-principle SFB approval in 2015 Commenced operation in Southern India UFSL IPO launched; listed in May 2016 Ujjivan SFB IPO launched; listed in Dec 2019 Deposits c