AU Small Finance Bank (Not Rated CMP Rs 742/share) 2QFY26 –

Operational update numbers

• Total deposits stood at Rs 1,325.1 bn up 20.8% YoY and 3.8% QoQ
• CASA deposits at Rs 389.6 bn up 9.7% YoY and 4.6% QoQ
• CASA ratio remained largely steady at 29.4%, broadly in line with 1Q (29.2%).
• Gross Advances stood at Rs 1,175.2 bn up 22.4% YoY and 5.3% QoQ
• Gross Loan portfolio at Rs 1,228.7 bn up 17% YoY and 4.5% QoQ

Capital Small Finance Bank (Not Rated CMP Rs 286/share) 2QFY26 – Operational update numbers

• Gross Advances at Rs 79.07 bn up 17.7% YoY and 6.3% QoQ
• Disbursement at Rs 8.05 bn rose 36.2% YoY
• Total deposits at Rs 93.17 bn up 19.8% YoY and 2.3 QoQ
• The asset quality remained stable with Gross NPA at 2.7%, largely unchanged on both yearly and sequential basis
• CASA ratio fell to 33.9% vs 35.9% in 1QFY26
• Loan to deposit ratio at 81.5% vs 80.9% in 1QFY26 vs 82.4% in 2QFY25
• The LCR of the Bank stood at 234.9%
• The loan book remains well diversified, with 99.0% being secured, in line with the Bank’s retail-centric lending approach.

Equitas Small Finance Bank (Not Rated CMP Rs 57/share) 2QFY26 – Operational update numbers

• Gross Advances at Rs 391.45 bn, up 8.58% YOY and 4.08% QoQ
• Micro finance & Micro advances at Rs 34.14 bn down 39.42% YoY and 3.46% QoQ

• Non- Micro Finance & Micro Loans at Rs 357.31 bn up 17.47% YoY and 4.87% QoQ
• Total Deposits at Rs 440.94 bn, up 10.92% YOY and flat QoQ
• CASA Deposits at Rs 136.22 bn, up 12.78% YoY and 4.63 QoQ
• CD ratio post reducing Refinance borrowing from advances at 78.57%
• Net Slippage of Karnataka improved to 7.98% vs 9.35% in 1QFY26 and other regions also witnessed improvement to 1.17% vs 2.07% in 1QFY26
• Cost of Funds Stands at 7.35% vs 7.49% 1QFY26 vs 7.5% 2QFY25
• CASA Ratio stood at 31% vs 29% 1QFY26 vs 30% 2QFY25

Ujjivian Small Finance Bank (Not Rated CMP Rs 48/share) 2QFY26 – Operational update numbers

• Total deposits at Rs 391bn up 14.8% YoY and 1.2% QoQ
• CASA deposits stood at Rs 107.82 bn up 22.1% YoY and 14.9% QoQ
• Credit-Deposit Ratio at 88% vs 86% 1QFY26 vs 87% 2QFY25
• Gross loan book at Rs 345.9bn up 14% YoY and 3.9% QoQ
• Total Secured book at 47% vs 46% in 1QFY26 vs 35% 2QFY25
• Disbursements at Rs 79.58bn up 48% YoY and 21.7% QoQ
• GNPA At 2.46% Vs 2.52% 1QFY26& 2.51% 2QFY25

Bajaj Finance Limited (Not Rated CMP Rs 990/share) 2QFY26 – Operational update numbers

• New loans booked increased to 12.17 mn up 26% YoY
• Assets under management at Rs 4,622.5 bn up 24% YoY
• Deposits at Rs 697.5 bn up 5.5% YoY
• Customer base rose to 110.64 mn vs 92.09 mn 2QFY25 YoY. Customer franchise increased by 4.13 mn