Ujjivan Small Finance Bank Ltd.

Financial

	Ujjivan Small Fin	CreditAccess Grameen	Spandana Sphoorty
Operational Metrics
Banking Sector
Cost To Income Ratio	56.0 %	29.5 %	42.9 %
Gross NPA	2.1 %	n/a	n/a
Net NPA	0.16 %	n/a	n/a
CASA Ratio	25.47 %	n/a	n/a
CASA vs Liabilities	19.12 %	n/a	n/a
Credit Deposit Ratio	86.35 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	24.37 %	24.5 %	32.0 %
Tier I Capital	21.97 %	23.6 %	n/a
Tier 2 Capital	2.4 %	n/a	n/a
Net Interest Margin	8.8 %	13.1 %	13.9 %
Yield On Advances	19.3 %	n/a	23.1 %
NBFC
Cost of Borrowing	7.5 %	9.8 %	12.3 %
Gross NPA	2.2 %	0.97 %	1.5 %
Financials
5 yr Average ROE	9.46 %	10.82 %	7.56 %
5yr average Equity Multiplier	7.2	4.18	2.61
5yr Average Asset Turnover Ratio	0.15	0.15	0.2
5yr Avg Net Profit Margin	6.34 %	17.26 %	13.96 %
5yr Avg Net Profit Margin	6.34 %	17.26 %	13.96 %
5yr CAGR Net Profit	40.74 %	20.75 %	-47.61 %
5yr CAGR Sales	18.47 %	22.57 %	4.08 %
5 yr CAGR PPOP	36.88 %	n/a	n/a
Price to Book	3.86	4.04	1.68
P/E	14.59	17.39	12.24
Shareholdings
Promoter Holding	73.52 %	66.58 %	59.75 %
Share Pledged by Promoters	0.0	0.0	2.82 %
Change in Promoter Holding (3 Yrs)	-9.8 %	-7.41 %	-2.63 %
Change in Mutual Fund Holding (3 Yrs)	0.54 %	7.45 %	2.25 %

Business

	Ujjivan Small Fin	CreditAccess Grameen	Spandana Sphoorty
Loan Break-Up	Loan Break-Up Microfinance 56.0 Individual 16.0 Secured Housing 16.0 FIG 5.0 MSE 5.0 Group Loans 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 Others 2.0	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 86.63 Treasury Operations 11.34 Corporate Banking 2.03	-	-
Location Wise Break-Up	Location Wise Break-Up South India 30.0 North India 27.0 East India 26.0 West India 17.0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0	-	Location Wise Break-Up Chattisgarh 8.8 Kerala 3.93 Maharashtra 10.63 Madhya Pradesh 18.88 South India 0 Karnataka 12.84 North India 0 Jharkhand 5.5 Odisha 20.6 Gujarat 3.22 Andhra Pradesh 7.51 Rajasthan 2.24 Bihar 2.91 West India 0 East India 0 Others 2.94
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 89.92 Treasury 6.26 Wholesale Banking 3.82	-	-
Customer Segment	Customer Segment Repeat 76.0 Fresh And Pure 24.0 Urban/Semi Urban 0 Rural 0	-	Customer Segment Fresh And Pure 0 Urban/Semi Urban 14.0 Repeat 0 Rural 86.0
Borrowings Break-Up	Borrowings Break-Up RBI 9.46 Other banks - India 5.68 Non-Convertible Redeemable Debenture 0 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0 Cash credit from bank 0 0 Indian rupee loan from banks 0 Others 84.86	Borrowings Break-Up Indian rupee loan from banks 0 0 RBI 0 Other banks - India 0 Financial Services 10.48 Cash credit from bank 0 Non-Convertible Redeemable Debenture 0 External Commercial Borrowings 10.99 NBFC 4.1 Banking 73.76 Others 0.67	Borrowings Break-Up Loan From Banks 59.89 Loan From NBFC 33.98 RBI 0 Other banks - India 0 Financial institutions 0 Loan From Banks 6.13 Non-Convertible Redeemable Debenture 0 External commercial borrowings 0 Non-banking financial companies 0 Banks 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 73.85 Non Priority Sector 26.15	-	-
Rural vs Urban	Rural vs Urban Urban 35.0 Metropolitan 30.0 Semi Urban 27.0 Rural 8.0	-	-
Asset Break-Up	Asset Break-Up Consumer Finance 63.86 Treasury Operations 31.84 Corporate Banking 3.59 Others 0.71	-	-
NPA Break-Up	NPA Break-Up Personal Loan 68.48 Agricultural 19.35 Services 6.77 Advances to industries 5.4	-	-

Ujjivan Small Finance Bank Ltd.

Ujjivan Small Finance Bank Ltd.

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