Ujjivan Small Finance Bank (SFB) anticipates that it will see a full-year net interest margin (NIM) of about 9%, slightly down from the 9.2% reported for this quarter. It had anticipated a small decline in interest rates in the second half of the year, but the bank now expects that current interest rates will remain in place for the whole financial year. Although the cost of funds is slightly higher than it is today, the new portfolio will have slightly higher rates to make up for this loss.