Ujjivan Small Finance Bank Limited — Q1FY27 earnings call summary

• FY27 ROA guidance raised to 1.8%-2% amid margin pressure and cost investments
• Credit cost guidance revised down to 0.9%-1% of average total assets for FY27
• Q1 FY27 profit after tax at INR317 Cr; ROA 2.2%, ROE 18.2%
• Operating expenses to rise due to INR250 Cr capacity building spend; opex to ATA ~6.4%
• New product launches include digital unsecured loans, pre-owned car loans pilot
• Deposit book grew 25% y-y to INR48,129 Cr; CASA up 37.8% y-y to INR12,930 Cr
• Gross loan book INR42,903 Cr, +28.9% y-y; secured loans 50.4% of book
• Gold loan book up 248.6% y-y to INR1,020 Cr; vehicle loans +85.1% y-y

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