Ujjivan Small Finance Bank Ltd (UJJIVANSFB) Q3FY26 Concall Summary - Dec-2025 Qtr
Performance Overview
- The bank delivered a stellar quarterly performance, driven by strong, all-round growth across both unsecured and secured loan portfolios, resulting in the highest-ever quarterly disbursements of 8,293 crores.
- Asset quality showed consistent improvement, with the Portfolio at Risk (PAR) declining below 4% and the SMA book continuing its positive momentum, coming in at 1.6%. Slippages and write-offs moderated significantly during the quarter.
- Profitability metrics strengthened, with the highest-ever reported Net Interest Income (NII) of 1,000 crores and a Net Profit After Tax (PAT) of 186 crores. This improvement was supported by a lower cost of funds and a favorable product mix.
- The bank continued its strategic geographic expansion, adding 11 new branches during the quarter, completing its planned addition of 24 branches for the financial year and bringing the total network to 777 branches.
- The share of the secured loan book continued to increase, reaching 48% of the total loan book, aligning with the bank's long-term objective of portfolio diversification and de-risking.
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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