世界银行旗下国际金融公司 (IFC) 计划以5000万美元债务投资 Ujjivan Small Finance Bank。
IFC 表示，这笔贷款将帮助孟加拉低收入人群拓宽小额借贷渠道，以补充传统金融服务的不足，并致力于为金融机构从 NBFC 转型为小型金融银行提供长期和多样化的融资支持。
Ujjivan Small Finance bank 是 Ujjivan Financial Services 的全资子公司。IFC 持有 Ujjivan Financial Services 约4.4%的股份，其他主要投资方还包括 CX Partners、NewQuest、Bajaj、红杉和凯斯宾。Ujjivan Small Finance bank 拥有印度储备银行 (RBI) 牌照，并于2016年开展银行业务，目前在印度的24个邦设有462家分行。
International Finance Corp, part of the World Bank Group, is likely to invest up to $50 million in the form of a loan in Ujjivan Small Finance Bank.
According to a disclosure by IFC, the loan will help the Bengaluru-based to extend its outreach to low income borrowers who have limited access to formal sources of financing. The funding will also strengthen Ujjivan’s balance sheet through availability of long tenor debt.
Ujjivan Small Finance bank is 100 per cent owned by its promoter Ujjivan Financial Services, in which IFC holds around 4.4 per cent stake. Public-listed firm Ujjivan Financials Services counts CX Partners, NewQuest, Bajaj, Sequoia and Caspian as its key investors.
It was one of the 10 entities to receive a licence from RBI to start banking operations in 2016. The bank operates through 462 branches in 24 Indian states and union territories.
“The proposed investment aims to provide long tenor and diversified funding support to the institutions as they transform from NBFC to Small Finance Bank,” said IFC.
IFC further said the investment would help demonstrate the sustainability of lending to micro and small business enterprises and build investor confidence in alternative means of micro-finance through various channels.
As of June 30, Ujjivan Small Finance bank’s total gross loan book stood at Rs 7,787 crore, while its total loan disbursements were Rs 2,092 crore for the quarter ended June.
Earlier this year, in May, IFC had said it was considering a loan proposal of up to $150 million for HDB Financial Services Ltd, a subsidiary of private sector’s HDFC Bank. Prior to that it had proposed to offer long-tenor debt of about $20 million to Kolkata-based Arohan Financial Services Pvt. Ltd.