Ujjivan Financial Services Ltd.

Financial

	Ujjivan Financial	SBFC Finance	Ujjivan Small Fin
Operational Metrics
Banking Sector
Net Interest Margin	8.8 %	9.7 %	8.8 %
NBFC
Cost To Income Ratio	72.0 %	57.19 %	56.0 %
Cost of Borrowing	6.3 %	7.65 %	7.5 %
AUM - NBFC	18162.0 Crs	6266.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	19.0 %	41.5 %	24.37 %
Tier I Capital	20.4 %	n/a	21.97 %
Gross NPA	7.1 %	n/a	2.2 %
Net NPA	0.6 %	n/a	n/a
Financials
5 yr Average ROE	5.88 %	6.91 %	9.46 %
5yr average Equity Multiplier	8.63	3.52	7.2
5yr Average Asset Turnover Ratio	0.14	0.12	0.15
5yr Avg Net Profit Margin	4.98 %	16.46 %	6.34 %
5yr Avg Net Profit Margin	4.98 %	n/a	6.34 %
5yr CAGR Net Profit	42.72 %	n/a	40.74 %
5yr CAGR Sales	18.86 %	n/a	18.47 %
5 yr CAGR PPOP	n/a	n/a	36.88 %
Price to Book	1.87	3.5	2.18
P/E	8.3	40.96	8.26
Shareholdings
Promoter Holding	0.0	60.66 %	73.52 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.39 %	-9.8 %
Change in Mutual Fund Holding (3 Yrs)	4.84 %	0.79 %	0.54 %

Business

	Ujjivan Financial	SBFC Finance	Ujjivan Small Fin
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 71.93 Secured Housing Loans 14.12 MSE 6.62 Personal Loans 0.61 2W Loans 0.58 Staff Loans 0.39 Agri Loans 0.35 Gold Loan 0 Rural 0 Affordable Housing 0 Group Loans 0 Individual 0 FIG 0 Two Wheeler Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 Secured Housing 0 Micro Banking 0 Others 5.4	-	Loan Break-Up Agri Loans 0 Affordable Housing 0 Gold Loan 0 2W Loans 0 Small & Medium Enterprises (SME) loans 0 Secured Housing 16.0 Microfinance 56.0 Secured Housing Loans 0 Advances against deposits 0 Individual 16.0 Staff Loans 0 Group Loans 0 Institutional Lending 0 FIG 5.0 Rural 0 MSE 5.0 Two Wheeler Loans 0 Personal Loans 0 Agriculture Loans 0 Others 2.0
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.76 Fees And Commission 3.0 Unsecured Loan 0 Loan against Property 0 Loans against Gold 0 Secured MSME Loans 0 Others 0.24	Product Wise Break-Up Interest Income 0 Fees And Commission 0 Unsecured Loan 0 Loans against Gold 15.0 Loan against Property 0 Secured MSME Loans 83.0 Others 2.0	-
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 15.47 Karnataka 13.38 West Bengal 12.18 Maharashtra 8.91 Gujarat 7.95 Bihar 7.3 Uttar Pradesh 6.51 Haryana 5.46 Rajasthan 4.14 New Delhi 3.78 Orissa 2.62 Punjab 2.56 Jharkhand 2.34 Kerala 1.8 Madhya Pradesh 1.54 Tripura 1.13 Assam 0.89 Pondicherry 0.57 Uttarakhand 0.54 Chhattisgarh 0.43 Chandigarh 0.21 Himachal Pradesh 0.13 Medium Enterprise 0.1 Goa 0.06 West India 0 East India 0 South India 0 North India 0	-	Location Wise Break-Up Uttar Pradesh 0 Orissa 0 Uttarakhand 0 Himachal Pradesh 0 Punjab 0 Haryana 0 Tripura 0 Jharkhand 0 Kerala 0 Pondicherry 0 West Bengal 0 Karnataka 0 South India 30.0 Gujarat 0 East India 26.0 Tamil Nadu 0 North India 27.0 Maharashtra 0 Medium Enterprise 0 Chhattisgarh 0 Bihar 0 Goa 0 West India 17.0 New Delhi 0 Rajasthan 0 Chandigarh 0 Assam 0 Madhya Pradesh 0
Operating Profit Break-Up	Operating Profit Break-Up Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 100	-	Operating Profit Break-Up Treasury 6.26 Retail Banking 89.92 Wholesale Banking 3.82
Borrowings Break-Up	Borrowings Break-Up Banks 8.67 Securitisation 0 NCDs 0 IBPC 0 Legacy 0 CD (<3 months) 0 Refinance 0 Deposits (TD 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Others 91.33	-	Borrowings Break-Up CD (<3 months) 0 RBI 9.46 Legacy 0 Non-Convertible Redeemable Debenture 0 Refinance 0 NCDs 0 Deposits (TD 0 Other banks - India 5.68 Securitisation 0 Banks 0 IBPC 0 Others 84.86
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financial Services 100.0	-	-

Ujjivan Financial Services Ltd.

Ujjivan Financial Services Ltd.

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