Ujjivan Small Finance Bank Ltd

Meeting Details

• 19 Aug 2026, Wed - Nomura Financial, in-person, Bangalore, 10:00 AM to 4:00 PM.
• 20 Aug 2026, Thu - Citadel, virtual, Bangalore, 11:30 AM to 12:30 PM.
• 21 Aug 2026, Fri - IIFL Capital, in-person, Bangalore, 10:00 AM to 4:00 PM.
• 24 Aug 2026, Mon - Yes Securities Conference, in-person, Mumbai, 9:00 AM to 5:00 PM.

Participants

• Company participants: roles not disclosed in the filing.

Purpose

• Purpose: Investor/analyst meetings to engage with investors.

Additional Notes

• Schedule subject to change due to exigencies.
• Intimation available on the bank's website.
• No unpublished price sensitive information will be shared.

ESOP grant details

• Nomination and Remuneration Committee approved grant of 452,500 options.
• Options under Bank ESOP Scheme 2019; exercise price Rs 61.46.
• Exercise price is the lower of NSE Aug 14, 2026 price or 3-month VWAP.
• Vesting schedule: Year 1 20%, Year 2 20%, Year 3 30%, Year 4 30%.
• Option exercise window: five years from each vesting date.
• Total shares covered: 452,500 options equal 452,500 equity shares on exercise.
• Each option entitles exercise of 1 equity share.
• Approval date for grant: Aug 17, 2026.

Meeting Details

• 13 Aug 2026, 9:00 AM–5:00 PM: Equirus Annual India Conference; Type: Group Investor Meet; Mode: Phil; Place: Mbi.
• 14 Aug 2026, 9:00 AM–4:00 PM: Emkay Confluence 2026; Type: Group Investor Meet; Mode: ysca; Place: uma.
• Intimation will be available on the bank's website.

ESG rating update

• ESG Risk Assessments, a Category I SEBI ERP, assigned ESG Rating 74 (Excellent) for FY2025-26.

Meeting Details

• Date: 31st Jul 2026
• Time: 11:00 AM to 12:00 PM
• Type/Mode: Virtual investor/analyst meet
• Organiser: Kotak Mahindra AMC
• Place: Bangalore
• Company participants: Not disclosed in filing
• Purpose: Investor/analyst interaction

Financial highlights

• Q1FY27 NII ₹1,186 crore; up 38.6% YoY.
• PAT ₹317 crore; up 206.7% YoY.
• PPOP ₹548 crore; up 52.0% YoY.
• Deposits ₹48,129 crore; up 24.6% YoY, 5.4% QoQ.
• CASA ₹12,930 crore; CASA ratio 26.9%.
• Gross loan book ₹42,903 crore; up 28.9% YoY, 5.5% QoQ.
• Secured book ₹21,638 crore; 50.4% of gross book; up 42.7% YoY.
• Gold loan ₹1,020 crore; Vehicle loan ₹1,036 crore.
• Disbursements ₹9,245 crore; up 41.4% YoY.
• GNPA 2.17%, NNPA 0.34%; PCR 85%.
• PAR 3.58% Jun’26 vs 4.81% Jun’25.
• Branch count 814 as of Jun’26.
• Cost of funds 6.9%; YoY down 71 bps.
• Cost to income 62.0%; YoY improvement 497 bps.
• RoA 2.2%; RoE 18.2%.
• Capital adequacy 20.36%; LCR 132%.

Outlook and guidance

• FY27 RoA guidance upgraded to 1.8%–2.0%.
• FY27 asset growth target: 25%.
• FY27 credit cost guidance: 0.9%–1.0% of Average Total Assets.
• FY27 operating expenses expected around 6.4% of average assets.
• New initiatives: mutual fund distribution and co-branded credit card for deposit customers.

Financial results and governance

• Unaudited Q1 2026 results approved by Board; Limited Review Report issued.
• Period covered: quarter ended June 30, 2026.
• Audit Committee reviewed results prior to Board approval.
• CAR at 20.36% as of June 30, 2026.
• Total income for Q1: 2,28,093 Lakh; Net profit: 31,654 Lakh.
• Basic EPS: 1.63; Diluted EPS: 1.60.
• ESOP 2019: 17,41,62,461 options granted.
• During quarter: 25,41,377 equity shares allotted on ESOP exercise.
• Vested but unexercised: 5,02,19,303 options.
• Unvested: 4,48,46,342 options.
• Cancellation: 5,85,71,889; Lapsed: 18,04,370; Exercised: 1,87,20,557.
• No exposure to Project Finance per RBI directions.
• Digital Banking identified as sub-segment; DBU reporting to be implemented per DBU Working Group decision.
• Press release and investor presentation to be issued separately.
• LRR Unmodified: Deloitte Haskins & Sells and Abarna & Ananthan issued unmodified report.

Meeting Details

• Date/time: 23 July 2026, 6:00 PM IST
• Type/mode: Group conference call; virtual investor call
• Organizer: Antique Stock Broking Limited
• Purpose: Discuss 1QFY27 earnings of Ujjivan SFB
• Key company participants: Managing Director and CEO; Executive Director; CFO; Chief Credit Officer; Chief Operating Officer
• Investor relations: Head - Investor Relations; Lead - Investor Relations
• Other management heads: Head - Micro Banking; Head - Retail Liabilities; Head - Emerging Business
• Chief Risk Officer