AU Small Finance

Market Cap: Large Cap
Industry: Bank - Private
ISIN: INE949L01017
NSEID: AUBANK
BSEID: 540611

INR

553.65

-0.75 (-0.14%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 14.62 lacs

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Half Yearly Results

Results Snapshot

Figures in Rs cr

Standalone Half Yearly Results

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Sep'19

Mar'19

Interest Earned

7,679.65

4,989.39

3,812.48

2,758.25

2,396.57

1,990.82

1,665.19

Income On Investments

1,051.30

748.22

550.41

356.22

404.64

298.92

164.69

Interest On Balances With Rbi Other Inter Bank Funds

28.61

35.05

37.51

38.97

45.40

8.82

24.69

Interest / Discount On Advances / Bills

6,371.61

4,075.80

3,189.01

2,278.18

1,898.58

1,578.86

1,339.36

Others

228.14

130.33

35.56

84.88

47.95

104.21

136.44

Other Income

1,147.24

713.90

406.51

406.68

486.53

361.73

236.47

Total Income

8,826.89

5,703.29

4,219.00

3,164.92

2,883.10

2,352.55

1,901.65

Interest Expended

3,784.71

2,494.21

1,753.14

1,281.10

1,320.08

1,143.65

930.32

Net Interest Income

3,894.94

2,495.18

2,059.34

1,477.15

1,076.49

847.17

734.86

Total Expenditure (Excl Depreciation)

2,958.67

2,042.03

1,573.01

1,009.54

676.08

640.35

576.99

Employee Cost

1,575.63

1,019.06

845.32

609.38

403.54

368.03

310.80

Other Operating Expenses

1,383.04

1,022.97

727.69

400.16

272.54

272.32

266.19

Operating Profit Before Provisions and Contingencies

2,083.51

1,167.05

892.85

874.28

886.95

568.54

394.35

Exceptional Items

0.00

Provisions and contingencies

655.84

120.61

81.32

211.78

213.70

92.52

71.69

Profit Before Tax

1,427.68

1,046.44

811.53

662.50

673.25

476.02

322.66

Tax

353.89

257.71

201.06

180.79

150.56

113.76

109.09

Profit After Tax

1,073.78

788.73

610.47

481.71

522.69

362.26

213.57

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,073.78

788.73

610.47

481.71

522.69

362.26

213.57

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

14.44

11.8

9.17

7.69

8.53

6.17

7.3

Diluted Earnings per share

14.39

11.74

9.47

7.62

8.51

6.1

0.0

Operating Profit Margin (Excl OI)

52.93%

56.66%

56.61%

55.72%

62.87%

63.19%

61.05%

Gross Profit Margin

18.59%

20.97%

21.29%

24.02%

28.09%

23.91%

75.25%

PAT Margin

13.98%

15.81%

16.01%

17.46%

21.81%

18.2%

12.83%

Net Interest Margin

6.1%

5.6%

6.0%

5.3%

5.0%

0.0%

Return on Assets

0.83%

0.85%

0.83%

0.92%

1.21%

1.06%

0.0%

CASA (%)

32.0%

34.0%

42.0%

30.0%

21.0%

16.0%

0.0%

CASA Amount

35,521.00

25,666.00

0.00

3,332.00

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

82.0%

73.0%

71.0%

49.0%

71.1%

43.9%

0.0%

Amount of Gross NPAs

1,901.69

1,244.75

996.70

1,151.45

423.17

503.84

470.14

Amount of Net NPAs

706.70

384.72

288.22

591.48

122.83

282.85

294.50

% of Net NPAs

0.75%

0.6%

0.56%

1.65%

0.45%

1.14%

1.29%

% of Gross NPAs

1.98%

1.91%

1.9%

3.16%

1.54%

2.01%

2.04%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

688.0

495.0

524.0

470.0

332.0

565.0

0.0

Number of Branches

2408.0

1042.0

980.0

794.0

686.0

428.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2024 is 53.92% vs 30.87% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is 36.14% vs 29.20% in Sep 2023

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 78.53% vs 30.71% in Sep 2023

% of Net NPAs

Growth in half year ended Sep 2024 is 0.15% vs 0.04% in Sep 2023

% of Gross NPAs

Growth in half year ended Sep 2024 is 0.07% vs 0.01% in Sep 2023

Compare Half Yearly Results Of AU Small Finance With

Select Peers

Figures in Rs cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

7,679.65

15,449.64

-7,769.99

-50.29%

Income On Investments

1,051.30

2,938.08

-1,886.78

-64.22%

Interest On Balances With Rbi Other Inter Bank Funds

28.61

170.92

-142.31

-83.26%

Interest / Discount On Advances / Bills

6,371.61

11,559.18

-5,187.57

-44.88%

Others

228.14

781.46

-553.32

-70.81%

Other Income

1,147.24

2,605.59

-1,458.35

-55.97%

Total Income

8,826.89

18,055.23

-9,228.34

-51.11%

Interest Expended

3,784.71

11,005.16

-7,220.45

-65.61%

Net Interest Income

3,894.94

4,444.48

-549.54

-12.36%

Total Expenditure (Excl Depreciation)

2,958.67

5,189.51

-2,230.84

-42.99%

Employee Cost

1,575.63

1,987.72

-412.09

-20.73%

Other Operating Expenses

1,383.04

3,201.79

-1,818.75

-56.8%

Operating Profit Before Provisions and Contingencies

2,083.51

1,860.56

222.95

11.98%

Exceptional Items

0.00

Provisions and contingencies

655.84

508.87

146.97

28.88%

Profit Before Tax

1,427.68

1,351.69

75.99

5.62%

Tax

353.89

296.22

57.67

19.47%

Profit After Tax

1,073.78

1,055.47

18.31

1.73%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,073.78

1,055.47

18.31

1.73%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

14.44

0.34

14.10

4147.06%

Diluted Earnings per share

14.39

0.34

14.05

4132.35%

Operating Profit Margin (Excl OI)

52.93%

63.12%

0.00

-10.19%

Gross Profit Margin

18.59%

8.75%

0.00

9.84%

PAT Margin

13.98%

6.83%

0.00

7.15%

Net Interest Margin

6.10%

0.00%

6.10

6.10%

Return on Assets

0.83%

0.00%

0.83

0.83%

CASA (%)

32.00%

0.00

0.00%

CASA Amount

35,521.00

88,601.00

-53,080.00

-59.91%

Capital Adequacy Ratio (Total)

0.00%

15.60%

-15.60

-15.60%

Capital Adequacy Ratio (Tier 1)

0.00%

13.20%

-13.20

-13.20%

Provision Coverage Ratio (%)

82.00%

70.00%

12.00

12.00%

Amount of Gross NPAs

1,901.69

3,889.43

-1,987.74

-51.11%

Amount of Net NPAs

706.70

1,168.02

-461.32

-39.5%

% of Net NPAs

0.75%

1.60%

-0.85

-0.85%

% of Gross NPAs

1.98%

1.60%

0.38

0.38%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

688.00

1,325.00

-637.00

-48.08%

Number of Branches

2,408.00

1,237.00

1,171.00

94.66%

Half Yearly - Interest Earned

Interest Earned 7679.65 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 53.92% vs 30.87% in Sep 2023

Half Yearly - Net Profit

Net Profit 1,073.78 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 36.14% vs 29.20% in Sep 2023

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,083.51 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 78.53% vs 30.71% in Sep 2023

Half Yearly - % of Net NPAs

% of Net NPAs 0.75%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.15% vs 0.04% in Sep 2023

Half Yearly - % of Gross NPAs

% of Gross NPAs 1.98%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.07% vs 0.01% in Sep 2023