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

21.4%

plication: Once Ujjivan SFB can demonstrate further progress Business Update Total Deposits grew 21.4% YoY; Focus on granular deposit led to CASA% reaching 28.6% Bank maintains ample liquidity with Mar’

28.6%

s Business Update Total Deposits grew 21.4% YoY; Focus on granular deposit led to CASA% reaching 28.6% Bank maintains ample liquidity with Mar’26 LCR at 142% • • • Gross Loan Book grew 26.6% YoY; Secur

142%

s on granular deposit led to CASA% reaching 28.6% Bank maintains ample liquidity with Mar’26 LCR at 142% • • • Gross Loan Book grew 26.6% YoY; Secured advances grew 43.5% YoY and now comprises of 49.4%

26.6%

% reaching 28.6% Bank maintains ample liquidity with Mar’26 LCR at 142% • • • Gross Loan Book grew 26.6% YoY; Secured advances grew 43.5% YoY and now comprises of 49.4% in book share; Unsecured book gre

43.5%

mple liquidity with Mar’26 LCR at 142% • • • Gross Loan Book grew 26.6% YoY; Secured advances grew 43.5% YoY and now comprises of 49.4% in book share; Unsecured book grew 13.5% YoY Focus remains on loan

49.4%

at 142% • • • Gross Loan Book grew 26.6% YoY; Secured advances grew 43.5% YoY and now comprises of 49.4% in book share; Unsecured book grew 13.5% YoY Focus remains on loan book diversification with Micr

13.5%

oY; Secured advances grew 43.5% YoY and now comprises of 49.4% in book share; Unsecured book grew 13.5% YoY Focus remains on loan book diversification with Microfinance Group Loans at 26.7% of GLB PAR /

26.7%

red book grew 13.5% YoY Focus remains on loan book diversification with Microfinance Group Loans at 26.7% of GLB PAR / GNPA moderated sequentially to 3.5% / 2.3% • • Financials Improvement in Cost of F

3.5%

diversification with Microfinance Group Loans at 26.7% of GLB PAR / GNPA moderated sequentially to 3.5% / 2.3% • • Financials Improvement in Cost of Funds and Asset Quality drove profitability in Q4F

2.3%

ification with Microfinance Group Loans at 26.7% of GLB PAR / GNPA moderated sequentially to 3.5% / 2.3% • • Financials Improvement in Cost of Funds and Asset Quality drove profitability in Q4FY26 •

8.5%

Improvement in Cost of Funds and Asset Quality drove profitability in Q4FY26 • • NIM for Q4FY26 at 8.5%, expanded 20 bps YoY; Cost of Funds at 7.0%, contracted 63 bps YoY • • Credit Cost for Q4FY26 at 1

“5 FY21 FY22 FY23 FY24 FY25 Cost Of Funds Deposits CASA % CAGR % % 3 .”

“1 3 3.9% 3.5% 1.6% 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 RoE (%) 26.4% 19.0% 25.8% 24.7% 23.1% 2 8 .”

Turnover

2

Liabilities

1

Gross Loan Book

1

Floating Provision

1

Crore Turnover

1

Impacted

1

For Investor Queries

1

Liabilities

Driving Retail Deposit Base 7 Deposit Snapshot Total Liabilities Profile (₹ Crore) Bulk & Retail Deposit (₹ Crore) Retail Deposit Breakup (₹ Crore) 40,475 1,626 41,697 42,173 1,700 1,645 44,606 1,134 49,404 2,106 37,630 38,619 39,211 42,223 45,668 1,219 Mar'25 1,378 Jun'25 1,317 Sep'25 1,249 Dec'25 1,630 Mar'26 37,630 38,619 39,211 42,223 45,668 26,676 27,884 27,764 29,395 31,955 10,954 10,735 11,447 12,828 13,713 26,676 8,494 1,118 27,884 27,764 29,395 31,955 8,447 934 9,778 1,005 10,438 1,097 11,639 1,422 17,064 18,503 16,981 17,860 18,893 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Refinance Deposit Others* Bulk Deposits Retail Deposits Retail TD CA SA Cost of Funds (%) Customer Base (No. Lakhs) Retail Average Balance (₹ Crore) % 3 . 8 % 6 . 7 % 6 . 7 % 7 . 5 % 5 . 5 % 3 . 8 % 3 . 7 % 2 . 8 % 2 . 5 % 1 . 7 % 2 . 5 % 8 . 7 % 0 . 7 % 7 . 7 % 2 . 5 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 95.1 96.8 98.8 99.6 101.5 46.1 47.9 50.2 52.0 53.7 45.7 3.3 45.6 3.4 45.1 3.5

Gross Loan Book

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 (Q4FY26) % Gross Loan Book (Q4FY25) Growth YoY Growth QoQ Disbursement (₹ Crore) % Disbursement (Q4FY26) % Disbursement (Q4FY25) Growth YoY Growth QoQ Group Loans 14,696 Microfinance 10,841 Non Microfinance 3,855 Individual Loans Affordable Housing Micro Mortgage MSME FIG Lending Vehicle Loan Gold Loan Agri Banking ^Others Total 6,014 8,900 1,577 3,230 3,000 944 769 731 795 36% 27% 9% 15% 22% 4% 8% 7% 2% 2% 2% 2% 41% 30% 11% 16% 21% 2% 6% 9% 1% 1% 1% 2% 12% 12% 12% 16% 35% 118% 58% 8% 102% 292% 127% 10% 7% 6% 11% 6% 8% 19% 13% 13% 15% 38% 20% 30% Particulars Group Loans Microfinance Non Microfinance Individual Loans Affordable Housing Micro Mortgage MSME Vehicle Loan Gold Loan Agri Banking ^Others Total 3,870 2,773 1,097 1,376 995 309 572 236 418 155 317 FIG Lending 1,565 39% 28% 11% 14% 10% 3% 6% 16% 2% 4% 2% 3% 38%

Floating Provision

• As of Mar’26 amount ₹181 Cr which can be utilized for making specific provisions in extraordinary circumstances, as per RBI guidelines. Of which: • ₹130 Cr earmarked for NNPA / PCR calculation • ₹30 Cr earmarked as part of Tier II capital • The balance ₹21 Cr has been earmarked as part of other provisions 29 Ujjivan – Platform For Growth 30 30 Serving Customer Digitally Mobile & Internet Banking Highlight 200+ Features Customized Themes & Enhanced UI UX Micro Services Architecture Multiple Software Development Kit Integrations Key Achievements 2nd Rank Among SFB UPI Outward Remitter in Transactions (Source NPCI Statistics) 93.7% Digital Transactions (Through IB, MB & UPI) 73% Online Retail Term Deposits (Using Self Service & Assisted digital) 45% Pure Digital Repayments in Micro Banking (Using BBPS & Hello Ujjivan App ) 31 Servicing Customers Through Multiple Channels Channels Retail Mobile / Internet Banking • Ujjivan EZY Mobile & Internet Banking platform made live for all customer

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 Total CSR Spend: ₹ 0.17 Bn No of Beneficiaries impacted: 1.2 Mn + No of PWD’s

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. 39 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% 40 Ujjivan’s Journey 2016- 17 2023- 24 Ujjivan Financial Services Ltd. (UFSL) registered as NBFC with RBI Commenced operation in Southern India In-principle SFB approval in 2015 UFSL IPO launched; listed in May 2016 Ujjivan SFB IPO launched; listed in Dec 2019 Deposits c