Ujjivan Small Finance Bank ltd. has announced its financial performance for the quarter ended September 30, 2024. Gross loan book at ₹ 30,344* crore up 14% (YoY)/ 1% (QoQ). Secured book at 34.9% as of Sep’24 vs 31.3% as of Jun’24. Disbursements at ₹ 5,376 crore in Q2FY25 down 6% (YoY) and up 2% (QoQ). Collection Efficiency at ~97% in Sep’24; NDA collection consistently at ~99%.
Portfolio at risk* at 5.1% as of Sep’24; GNPA* at 2.5% as of Sep’24 vs 2.3% as of Jun’24; NNPA* at 0.6% as of Sep’24 vs 0.4% as of June’24. Q2FY25 write-off at ₹ 140 crore; Provision coverage ratio as on Sep’24 is 78%# . Deposits at ₹ 34,070 crore as of Sep’24 up 17% (YoY)/5% (QoQ). CASA at ₹ 8,832 crore up 26% (YoY); CASA ratio at 25.9% as of Sep’24 vs 25.6% as of Jun’24.
Retail TD^ at ₹ 15,914 crore, up 35% (YoY)/2% (QoQ). Mr. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank said, “Ujjivan has always stood strong and successfully navigated headwinds in the industry. Similarly, our resilient business model and sound reading of the on-ground situation has always kept us better prepared to identify and manage such issues confidently.”
