UJJIVAN SMALL FINANCE BANK
Quarterly Results Analysis [Dec2023]
UJJIVAN SMALL FINANCE BANK Quarterly Results
Standalone | Dec2023 Audited |
Sep2023 Audited |
Jun2023 UnAudited |
Mar2023 UnAudited |
Dec2022 UnAudited |
Sep2022 Audited |
Jun2022 UnAudited |
Mar2022 UnAudited |
---|---|---|---|---|---|---|---|---|
Interest Earned | ₹1,471 Cr | ₹1,391 Cr | ₹1,287 Cr | ₹1,185 Cr | ₹1,082 Cr | ₹993 Cr | ₹905 Cr | ₹818 Cr |
Other Income | ₹185 Cr | ₹189 Cr | ₹177 Cr | ₹179 Cr | ₹139 Cr | ₹147 Cr | ₹125 Cr | ₹149 Cr |
Interest Expended | ₹611 Cr | ₹568 Cr | ₹494 Cr | ₹447 Cr | ₹385 Cr | ₹330 Cr | ₹306 Cr | ₹274 Cr |
Expenses | ₹587 Cr | ₹529 Cr | ₹512 Cr | ₹507 Cr | ₹447 Cr | ₹425 Cr | ₹424 Cr | ₹429 Cr |
Operating Income | ₹457 Cr | ₹483 Cr | ₹458 Cr | ₹411 Cr | ₹389 Cr | ₹385 Cr | ₹301 Cr | ₹264 Cr |
Provisions and contingencies | ₹63 Cr | ₹47 Cr | ₹26 Cr | ₹-2 Cr | ₹0 Cr | ₹-10 Cr | ₹30 Cr | ₹90 Cr |
Profit Before Tax | ₹394 Cr | ₹436 Cr | ₹432 Cr | ₹413 Cr | ₹389 Cr | ₹395 Cr | ₹271 Cr | ₹173 Cr |
Profit After Tax | ₹300 Cr | ₹328 Cr | ₹324 Cr | ₹310 Cr | ₹293 Cr | ₹294 Cr | ₹203 Cr | ₹127 Cr |
% of Net NPAs | 0.17 | 0.09 | 0.06 | 0.04 | 0.05 | 0.04 | 0.11 | 0.61 |
% of Gross NPAs | 2.18 | 2.35 | 2.62 | 2.88 | 3.64 | 5.06 | 6.51 | 7.34 |
EPS | ₹1.53 | ₹1.68 | ₹1.66 | ₹1.58 | ₹1.50 | ₹1.51 | ₹1.17 | ₹0.73 |
Industry Peers & Returns | 1W | 1M | 1Y |
UJJIVAN SMALL FINANCE BANK | 0.4% | -15.6% | 90.1% |
HDFC BANK | -1.5% | 0.4% | -8.6% |
ICICI BANK | NA | 2.2% | 27.9% |
KOTAK MAHINDRA BANK | 0.4% | 1.8% | 3.9% |
AXIS BANK | -0.8% | -5.2% | 20.9% |
INDUSIND BANK | 5.9% | 2.6% | 47.7% |
IDBI BANK | -0.3% | -11.8% | 73.6% |
YES BANK | 2.5% | -10.3% | 56.4% |
IDFC FIRST BANK | 1.4% | -6.2% | 40.1% |
UJJIVAN SMALL FINANCE BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]Net Interest Income | |
---|---|
Q-o-Q | 4.44 % |
Y-o-Y | 23.39 % |
Quarters | Net Interest Income | % Change | |
---|---|---|---|
Dec2023 | ₹860 Cr | 4.44 | |
Sep2023 | ₹823 Cr | 3.87 | |
Jun2023 | ₹793 Cr | 7.40 | |
Mar2023 | ₹738 Cr | 5.90 | |
Dec2022 | ₹697 Cr | 5.09 | |
Sep2022 | ₹663 Cr | 10.59 | |
Jun2022 | ₹600 Cr | 10.24 | |
Mar2022 | ₹544 Cr | - |
UJJIVAN SMALL FINANCE BANK Quarterly Operating Profit
Operating Profit | |
---|---|
Q-o-Q | -5.39 % |
Y-o-Y | 17.58 % |
Quarters | Operating Profit | % Change | |
---|---|---|---|
Dec2023 | ₹457 Cr | -5.39 | |
Sep2023 | ₹483 Cr | 5.56 | |
Jun2023 | ₹458 Cr | 11.53 | |
Mar2023 | ₹411 Cr | 5.57 | |
Dec2022 | ₹389 Cr | 1.02 | |
Sep2022 | ₹385 Cr | 28.09 | |
Jun2022 | ₹301 Cr | 13.92 | |
Mar2022 | ₹264 Cr | - |
Operating Margins | |
---|---|
Q-o-Q | -9.42 % |
Y-o-Y | -4.71 % |
Quarters | Operating Margin% | % Change | |
---|---|---|---|
Dec2023 | 53.18% | -9.42 | |
Sep2023 | 58.71% | 1.63 | |
Jun2023 | 57.77% | 3.85 | |
Mar2023 | 55.63% | -0.32 | |
Dec2022 | 55.81% | -3.86 | |
Sep2022 | 58.05% | 15.82 | |
Jun2022 | 50.12% | 3.34 | |
Mar2022 | 48.5% | - |
UJJIVAN SMALL FINANCE BANK Quarterly Profit After Tax
Profit After Tax(PAT) | |
---|---|
Q-o-Q | -8.45 % |
Y-o-Y | 2.34 % |
Quarters | Profit After Tax | % Change | |
---|---|---|---|
Dec2023 | ₹300 Cr | -8.45 | |
Sep2023 | ₹328 Cr | 1.13 | |
Jun2023 | ₹324 Cr | 4.71 | |
Mar2023 | ₹310 Cr | 5.56 | |
Dec2022 | ₹293 Cr | -0.37 | |
Sep2022 | ₹294 Cr | 45.01 | |
Jun2022 | ₹203 Cr | 60.40 | |
Mar2022 | ₹127 Cr | - |
PAT Margins | |
---|---|
Q-o-Q | -13.41 % |
Y-o-Y | -24.75 % |
Quarters | PAT Margin(%) | % Change | |
---|---|---|---|
Dec2023 | 20.4 % | -13.41 | |
Sep2023 | 23.56 % | -6.43 | |
Jun2023 | 25.18 % | -3.60 | |
Mar2023 | 26.12 % | -3.65 | |
Dec2022 | 27.11 % | -8.50 | |
Sep2022 | 29.63 % | 32.16 | |
Jun2022 | 22.42 % | 45.02 | |
Mar2022 | 15.46 % | - |
UJJIVAN SMALL FINANCE BANK Quarterly Earnings Per Share (EPS)
EPS | |
---|---|
Q-o-Q | -8.93 % |
Y-o-Y | 2.00 % |
Quarters | EPS | % Change | |
---|---|---|---|
Dec2023 | ₹1.53 | -8.93 | |
Sep2023 | ₹1.68 | 1.20 | |
Jun2023 | ₹1.66 | 5.06 | |
Mar2023 | ₹1.58 | 5.33 | |
Dec2022 | ₹1.5 | -0.66 | |
Sep2022 | ₹1.51 | 29.06 | |
Jun2022 | ₹1.17 | 60.27 | |
Mar2022 | ₹0.73 | - |
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