Ujjivan Small Finance Bank Ltd. Annual Report 2020

At a glance
(As on March 31, 2020)

Banking Outlets

575

524 as on March 31, 2019

Districts (24 states and UTs)

244

223 districts as on March 31, 2019

ATMs

475

385 as on March 31, 2019

Team Strength

17,841

14,752 people as on March 31, 2019

Customers

54. 4 Lakhs

46.7 Lakhs as on March 31, 2019

Key Highlights of the Year

Banking
for millions

Balance Sheet Size

` 18,411 Crores

34%

`13,742 Crores as on March 31, 2019

Gross Advances

` 14,153 Crores

28%

`11,049 Crores as on March 31, 2019

Disbursements

` 13,221 Crores

19%

`11,089 Crores in FY 2018-19

Total Deposits

` 10,780 Crores

46%

`7,379 Crores as on March 31, 2019

Retail Deposits

` 4,724 Crores

73%

`2,736 Crores as on March 31, 2019

Total Income

` 3,026 Crores

49%

`2,038 Crores in FY 2018-19

Net Interest Income

` 1,634 Crores

48%

`1,106 Crores in FY 2018-19

Profit After Tax

` 350 Crores

76%

`199 Crores in FY 2018-19

Gross NPA

1 %

10 bps

0.9% as on March 31, 2019

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Products and Services

Offerings to suit every need

Our diversified operations and understanding of customers’ requirements have enabled us to establish a strong asset liability franchise, along with third-party products across multiple delivery channels.

  • ASSET PRODUCTS
  • DEPOSIT PRODUCTS
  • THIRD-PARTY PRODUCTS
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Key Performance Indicators

Enhancing efficiency to serve better

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Chairman’s Message

Growing with
an inclusive
agenda

The Bank undertook an IPO that was oversubscribed ~170 times. This reflects the faith that retail and esteemed institutional investors have placed in our vision and strategies.

Biswamohan Mahapatra
Chairman

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From the MD & CEO’s Desk

Progressing with purpose

We are well suited to cater to the needs of the consistently expanding aspiring middle-class population of India. We are now a one-stop destination for financial services, delivering quality products and solutions, offering personalised customer...

Nitin Chugh
MD & CEO

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Digital Banking

Embracing sunrise technologies

Digitalisation of banking services has played a key role in our successful evolution as a new-age small finance bank.

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Marketing and Branding

Engaging and strengthening recall

Our objective is to reach out with comprehensive banking solutions and enable aspiring individuals to build better lives.

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Workforce

Crafting a culture of respect

As an organisation, we prioritise the service mantra both internally and externally. While technology plays a pivotal...

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Risk Management

Navigating challenges with prudence

The Bank has a strong risk management framework in place to identify, mitigate and monitor material risks across all its functions, directed by the Risk Management Committee of the Board.

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COVID-19 Response

Enhancing preparedness

The onslaught of the pandemic demanded that organisations reconsider and strengthen their safety practices.

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Social Responsibility

Responsible towards our communities

Our growing business draws its strength from the community to which it owes its existence and licence to operate.

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Management Discussion and Analysis

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Corporate Governance Report

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Business Responsibility Report

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Financial Statements

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