Ujjivan Small Finance Bank Ltd (UJJIVANSFB) Q2FY26 Concall Summary - Sep-2025 Qtr
Performance Overview
- The bank delivered a well-calibrated growth for the quarter, marked by the highest-ever quarterly disbursements and a significant increase in the share of the secured loan book.
- Asset quality showed signs of improvement with a reduction in slippages and the lowest SMA book level since Q1 FY25, driven by better performance in the micro-banking segment.
- CASA deposits crossed the 10,000 crore milestone for the first time, reflecting successful CASA augmentation efforts, while the overall cost of funds improved due to proactive rate resets and CRR reduction benefits.
- Profitability metrics like Net Interest Margin (NIM) expanded, supported by the effective utilization of liquidity buffers and a stable loan book yield.
- The bank continued its strategic branch expansion and diversification of its asset portfolio, with strong growth momentum observed in affordable housing, MSME, gold, vehicle, and agri loans.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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