Ujjivan Small Finance Bank Reports Mixed Financial Results Amid Asset Quality Improvement in March 2025

Ujjivan Small Finance Bank has recently reported its financial results for the quarter ending March 2025, revealing a complex picture of performance. The bank's evaluation has undergone an adjustment, with its score shifting to -20 from -22 over the past three months.
On a positive note, the bank has achieved its lowest Gross Non-Performing Assets (NPA) ratio in five quarters, now at 2.18%, indicating a reduction in the proportion of stressed loans. This trend suggests some improvement in asset quality.

Conversely, several key financial metrics have shown significant challenges. The Profit Before Tax less Other Income (PBT) has reached a low of Rs -174.43 crore, reflecting a substantial decline compared to the average of the previous four quarters. Similarly, the Profit After Tax (PAT) stands at Rs 83.39 crore, which is considerably lower than the historical average. Additionally, the bank's Net Interest Income and Operating Profit have also hit their lowest points in five quarters, indicating a downward trend in core business income and operational efficiency.

Overall, Ujjivan Small Finance Bank's latest financial results highlight both areas of concern and some positive developments, leading to a revision in its evaluation.

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