Cash flow Ujjivan Small Finance Bank Limited

Equities

UJJIVANSFB

INE551W01018

Banks

End-of-day quote NSE India S.E. Other stock markets 06/09/2024			5-day change	1st Jan Change
42.95 ^INR	-2.30%		-2.19%	-24.52%

26/07	Ujjivan Small Finance Bank's Net Profit Slips in Fiscal Q1	MT
25/07	Transcript : Ujjivan Small Finance Bank Limited, Q1 2025 Earnings Call, Jul 25, 2024

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Published financial data: UJJIVAN SMALL FINANCE BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	27.04B	28.06B	28.13B	41.65B	56.77B
Interest Income, Total	27.04B	28.06B	28.13B	41.65B	56.77B
Interest On Deposits	10.7B	10.78B	10.39B	14.67B	22.68B
Interest Expense, Total	10.7B	10.78B	10.39B	14.67B	22.68B
Net Interest Income	16.34B	17.29B	17.74B	26.98B	34.09B
Gain (Loss) on Sale of Assets	-1.86M	-7.69M	-19.97M	-6.7M	-14.72M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	55.29M	559M	177M	17.84M	240M
Total Other Non Interest Income	3.17B	2.56B	2.98B	5.88B	7.64B
Non Interest Income, Total	3.22B	3.11B	3.13B	5.89B	7.87B
Revenues Before Provison For Loan Losses	19.56B	20.39B	20.87B	32.87B	41.96B
Provision For Loan Losses	1.71B	7.99B	11.41B	178M	2.15B
Total Revenues	17.85B	12.4B	9.46B	32.69B	39.81B
Salaries And Other Employee Benefits	6.89B	7.26B	8.14B	9.11B	11.72B
Stock-Based Compensation (IS)	294M	223M	-15.28M	90.25M	116M
Occupancy Expense	2.9B	2.42B	2.65B	2.66B	3.26B
Selling General & Admin Expenses, Total	886M	542M	713M	1.25B	1.6B
Total Other Non Interest Expense	2.21B	1.85B	3.47B	4.9B	6.1B
Non Interest Expense, Total	13.19B	12.3B	14.96B	18.02B	22.79B
EBT, Excl. Unusual Items	4.66B	102M	-5.5B	14.67B	17.02B
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	4.66B	102M	-5.5B	14.67B	17.02B
Income Tax Expense	1.16B	19.01M	-1.36B	3.67B	4.21B
Earnings From Continuing Operations	3.5B	82.97M	-4.15B	11B	12.81B
Net Income to Company	3.5B	82.97M	-4.15B	11B	12.81B
Net Income - (IS)	3.5B	82.97M	-4.15B	11B	12.81B
Preferred Dividend and Other Adjustments	133M	-	-	220M	-
Net Income to Common Incl Extra Items	3.37B	82.97M	-4.15B	10.78B	12.81B
Net Income to Common Excl. Extra Items	3.37B	82.97M	-4.15B	10.78B	12.81B
Per Share Items
Net EPS - Basic	2.19	0.05	-2.4	5.82	6.65
Basic EPS - Continuing Operations	2.19	0.05	-2.4	5.82	6.65
Basic Weighted Average Shares Outstanding	1.54B	1.73B	1.73B	1.85B	1.93B
Net EPS - Diluted	2.18	0.05	-2.4	5.81	6.54
Diluted EPS - Continuing Operations	2.18	0.05	-2.4	5.81	6.54
Diluted Weighted Average Shares Outstanding	1.54B	1.73B	1.73B	1.85B	1.96B
Normalized Basic EPS	1.9	0.04	-1.99	4.95	5.52
Normalized Diluted EPS	1.89	0.04	-1.99	4.95	5.43
Dividend Per Share	-	-	-	1.25	1.5
Payout Ratio	3.14	-	-	14.33	5.33
Supplemental Items
Effective Tax Rate - (Ratio)	24.95	18.64	24.67	25.03	24.71
Total Current Taxes	1.14B	1.63B	-	2.92B	4.05B
Total Deferred Taxes	19.29M	-1.69B	-1.36B	752M	160M
Normalized Net Income	2.91B	63.73M	-3.44B	9.17B	10.64B
Non-Cash Pension Expense	39.99M	-15.84M	-40.6M	-8.53M	25M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	294M	223M	-15.28M	90.25M	116M
Total Stock-Based Compensation	294M	223M	-15.28M	90.25M	116M

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.12B	4.04B	6.49B	1.85B	2B
Investment Securities, Total	23.96B	31.6B	41.53B	86.6B	97.66B
Total investments	23.96B	31.6B	41.53B	86.6B	97.66B
Gross Loans	140B	145B	163B	213B	269B
Net Loans	140B	145B	163B	213B	269B
Gross Property Plant And Equipment	4.94B	5.5B	5.94B	7.05B	9.09B
Accumulated Depreciation	-1.94B	-2.69B	-3.45B	-4.22B	-4.83B
Net Property Plant And Equipment	3B	2.81B	2.49B	2.83B	4.27B
Accrued Interest Receivable	1.94B	1.66B	2.19B	3.24B	4.06B
Restricted Cash	10.27B	15.29B	15.07B	21.28B	23.24B
Other Current Assets, Total	27.95M	471M	686M	102M	-
Other Long-Term Assets, Total	1.35B	2.99B	4.56B	4.36B	4.16B
Total Assets	184B	204B	236B	333B	404B
Liabilities
Interest Bearing Deposits	106B	127B	178B	250B	306B
Non-Interest Bearing Deposits	2.28B	4.43B	5.05B	5.86B	8.34B
Total Deposits	108B	131B	183B	255B	315B
Current Portion of Long-Term Debt	23.56B	23.35B	8.16B	8.82B	13.39B
Long-Term Debt	15.97B	9.13B	9.48B	17.59B	8.32B
Accrued Interest Payable	1.45B	1.17B	1.89B	1.92B	2.36B
Other Current Liabilities - (Bank / Utility Template)	481M	1.96B	1.53B	1.56B	2.77B
Other Non Current Liabilities	2.96B	4.65B	4.04B	5.8B	6.62B
Total Liabilities	152B	172B	208B	291B	348B
Preferred Stock Non Redeemable	2B	2B	2B	2B	0
Total Preferred Equity	2B	2B	2B	2B	0
Common Stock, Total	17.28B	17.28B	17.28B	19.55B	5.19B
Additional Paid In Capital	7.22B	7.22B	7.22B	9.62B	7.72B
Retained Earnings	5.01B	4.85B	687M	9.53B	27.45B
Comprehensive Income and Other	366M	836M	834M	1.4B	15.78B
Total Common Equity	29.88B	30.19B	26.03B	40.09B	56.13B
Total Equity	31.88B	32.19B	28.03B	42.09B	56.13B
Total Liabilities And Equity	184B	204B	236B	333B	404B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.73B	1.73B	1.73B	1.95B	1.96B
ECS Total Common Shares Outstanding	1.73B	1.73B	1.73B	1.95B	1.96B
Book Value / Share	17.29	17.47	15.06	20.51	28.66
Tangible Book Value	29.88B	30.19B	26.03B	40.09B	56.13B
Tangible Book Value Per Share	17.29	17.47	15.06	20.51	28.66
Average Assets	161B	194B	220B	285B	369B
Total Debt	39.53B	32.47B	17.64B	26.41B	21.71B
Deposits at Interest - Cash	9.27B	14.82B	12.64B	10.47B	11.79B
Debt Equivalent of Unfunded Proj. Benefit Obligation	150M	102M	114M	114M	164M
Net Debt	36.41B	21.99B	11.15B	23.06B	19.7B
Full Time Employees	17.84K	16.57K	16.9K	17.87K	22.57K
Number Of Offices	575	575	575	629	752

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	3.5B	82.97M	-4.15B	11B	12.81B
Depreciation, Depletion & Amortization	726M	768M	804M	903M	983M
Total Depreciation, Depletion & Amortization	726M	768M	804M	903M	983M
(Gain) Loss On Sale of Asset - (CF)	1.86M	7.69M	19.97M	6.7M	14.72M
(Gain) Loss on Sale of Investments - (CF)	45.57M	639M	184M	252M	124M
Total Asset Writedown	879K	-	-	-	-
Provision for Credit Losses	1.71B	7.99B	11.18B	176M	2.15B
Stock-Based Compensation (CF)	294M	223M	-15.28M	90.25M	116M
Change in Other Net Operating Assets (Collected)	-44.59B	-4.71B	-32.31B	-75.04B	-65.06B
Other Operating Activities	48.16M	-1.99B	-1.81B	761M	3.72B
Cash from Operations	-38.27B	3.01B	-26.1B	-61.86B	-45.13B
Capital Expenditure	-895M	-581M	-515M	-1.25B	-2.46B
Sale of Property, Plant, and Equipment	5.91M	3.24M	3.77M	9.2M	21.61M
Investment in Marketable and Equity Securities, Total	-	-12.99B	-7.9B	-19.71B	-6.11B
Cash from Investing	-889M	-13.56B	-8.41B	-20.96B	-8.54B
Long-Term Debt Issued, Total	-	-	-	8.78B	-
Total Debt Issued	-	-	-	8.78B	-
Long-Term Debt Repaid, Total	-2.13B	-7.06B	-14.84B	-	-4.71B
Total Debt Repaid	-2.13B	-7.06B	-14.84B	-	-4.71B
Issuance of Common Stock	10.02B	4.26M	-	4.66B	203M
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-1.47B	-683M
Preferred Dividends Paid	-110M	-	-	-110M	-
Common & Preferred Stock Dividends Paid	-110M	-	-	-1.58B	-683M
Net Increase (Decrease) in Deposit Accounts - (CF)	34.01B	23.55B	51.56B	72.45B	60.96B
Other Financing Activities, Total	-22.61M	-	-	-	-
Cash from Financing	41.77B	16.5B	36.73B	84.32B	55.77B
Miscellaneous Cash Flow Adjustments	-	-	-	-	6.91M
Net Change in Cash	2.61B	5.95B	2.22B	1.51B	2.1B
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	1.14B	2.09B	215M	2.8B	493M
Net Debt Issued / Repaid	-2.13B	-7.06B	-14.84B	8.78B	-4.71B

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.18	0.04	-1.89	3.86	3.48
Return On Equity %	13.98	0.26	-13.77	31.37	26.09
Return on Common Equity	14.61	0.28	-14.75	32.61	26.64
Shareholders Value Added	735M	-3.52B	-7.52B	7.03B	7.04B
Margin Analysis
SG&A Margin	60.21	83.31	123.04	40.46	42.38
Net Interest Income / Total Revenues %	91.53	139.37	187.48	82.52	85.64
EBT Excl. Non-Recurring Items Margin %	26.12	0.82	-58.18	44.88	42.75
Income From Continuing Operations Margin %	19.61	0.67	-43.82	33.64	32.19
Net Income Margin %	19.61	0.67	-43.82	33.64	32.19
Net Avail. For Common Margin %	18.86	0.67	-43.82	32.97	32.19
Normalized Net Income Margin	16.33	0.51	-36.36	28.05	26.72
Asset quality
Nonperforming Loans / Total Loans %	0.98	7.39	7.88	2.96	2.28
Nonperforming Loans / Total Assets %	0.74	5.25	5.44	1.89	1.52
Nonperforming Assets / Total Assets %	0.74	5.25	5.44	1.89	1.52
NPAs / Loans and OREO	0.98	7.39	7.88	2.96	2.28
NPAs / Equity	4.3	33.26	45.82	14.98	10.91
Provision for Loan Losses / Net Charge-offs %	267.07	1.08K	151.41	4.8	189.71
Interest Income / Average Assets	16.82	14.47	12.79	14.63	15.4
Interest Expense / Average Assets	6.66	5.56	4.73	5.15	6.15
Net Interest Income / Average Assets	10.16	8.91	8.06	9.48	9.25
Non Interest Income / Average Assets	2	1.6	1.42	2.07	2.13
Non Interest Expense / Average Asset	8.2	6.34	6.8	6.33	6.18
Capital And Funding
Total Average Common Equity / Total Average Assets %	14.33	15.48	12.78	11.61	13.05
Total Average Equity / Total Average Assets %	15.57	16.52	13.69	12.32	13.32
Total Equity + Allowance for Loan Losses / Total Loans %	22.7	22.21	17.19	19.77	20.88
Gross Loans / Total Deposits %	130.27	110.34	89.13	83.37	85.45
Net Loans / Total Deposits %	130.27	110.34	89.13	83.37	85.45
Tier 1 Capital Ratio %	22.44	19.39	13.63	20.36	20.41
Total Capital Ratio %	23.08	20.45	14.63	23.17	22.32
Core Tier 1 Capital Ratio	20.95	18.03	12.43	19.27	20.41
Tier 2 Capital Ratio	0.64	1.07	1	2.81	1.91
Interbank Ratio	2.66	19.76	0.71	2.95	0.28
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.44	1.01	0.47	2	1.75
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	47.65	5.81	2.61	52.12	26.37
Non Interest Income, 1 Yr. Growth %	56.44	-3.54	3.63	63.72	33.53
Provision For Loan Losses, 1 Yr. Growth %	321.18	367.33	44.3	-98.5	1.11K
Total Revenues, 1 Yr. Growth %	40.34	-30.51	-23.72	245.58	21.78
Earnings From Cont. Operations, 1 Yr. Growth %	75.65	-97.63	-5.1K	-365.3	16.51
Net Income, 1 Yr. Growth %	75.65	-97.63	-5.1K	-365.3	16.51
Normalized Net Income, 1 Yr. Growth %	73.7	-97.81	-5.5K	-366.6	16.01
Diluted EPS Before Extra, 1 Yr. Growth %	81.78	-97.8	-5.1K	-342.08	12.56
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	20
Gross Loans, 1 Yr. Growth %	33.08	3.21	12.48	30.59	26.27
Net Loans, 1 Yr. Growth %	33.08	3.21	12.48	30.59	26.27
Non Performing Loans, 1 Yr. Growth %	40.15	680.65	19.94	-50.89	-2.87
Non Performing Assets, 1 Yr. Growth %	40.15	680.65	19.94	-50.89	-2.87
Total Assets, 1 Yr. Growth %	33.98	10.7	15.82	41.1	21.33
Total Deposits, 1 Yr Growth %	46.09	21.85	39.26	39.61	23.2
Tangible Book Value, 1 Yr. Growth %	84.47	1.04	-13.78	54.04	40.02
Common Equity, 1 Yr. Growth %	84.47	1.04	-13.78	54.04	40.02
Total Equity, 1 Yr. Growth %	75.19	0.97	-12.93	50.18	33.37
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	37.74	24.99	4.2	24.93	38.65
Non Interest Income, 2 Yr. CAGR %	70.01	22.85	-1.4	39.61	47.86
Provision For Loan Losses, 2 Yr. CAGR %	-25.82	343.66	158.3	-85	-57.46
Total Revenues, 2 Yr. CAGR %	64.23	-1.25	-27.2	62.36	105.14
Earnings From Cont. Operations, 2 Yr. CAGR %	614.07	-79.59	8.85	1.05K	75.81
Net Income, 2 Yr. CAGR %	614.07	-79.59	8.85	1.05K	75.81
Normalized Net Income, 2 Yr. CAGR %	625.96	-80.51	8.65	1.1K	75.86
Diluted EPS Before Extra, 2 Yr. CAGR %	576.35	-79.99	4.92	1K	65.08
Gross Loans, 2 Yr. CAGR %	38.36	17.2	7.74	21.2	28.41
Net Loans, 2 Yr. CAGR %	38.36	17.2	7.74	21.2	28.41
Non Performing Loans, 2 Yr. CAGR %	-29.5	230.77	205.99	-23.25	-30.93
Non Performing Assets, 2 Yr. CAGR %	-29.5	230.77	205.99	-23.25	-30.93
Total Assets, 2 Yr. CAGR %	39.41	21.78	13.23	27.86	30.84
Total Deposits, 2 Yr CAGR %	69.05	33.42	30.26	39.43	31.15
Tangible Book Value, 2 Yr. CAGR %	43.7	36.52	-6.67	15.24	46.86
Common Equity, 2 Yr. CAGR %	43.7	36.52	-6.67	15.24	46.86
Total Equity, 2 Yr. CAGR %	39.12	33	-6.23	14.35	41.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	125.01	26.15	17.03	18.2	25.41
Non Interest Income, 3 Yr. CAGR %