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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Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

11,793.13

7,725.21

5,930.55

4,254.70

3,657.68

3,102.44

2,072.24

Income On Investments

1,619.82

1,162.63

862.93

553.19

590.74

453.51

224.44

Interest On Balances With Rbi Other Inter Bank Funds

47.17

51.33

44.78

62.57

66.41

14.49

25.78

Interest / Discount On Advances / Bills

9,812.82

6,199.02

4,961.95

3,501.70

2,905.09

2,462.11

1,657.76

Others

313.33

312.24

60.89

137.24

95.45

172.31

164.26

Other Income

1,765.65

1,156.13

701.40

682.32

1,149.94

522.95

331.36

Total Income

13,558.78

8,881.34

6,631.96

4,937.01

4,807.63

3,625.38

2,403.60

Interest Expended

5,875.48

3,905.16

2,718.48

1,957.13

1,948.07

1,748.43

1,116.53

Net Interest Income

5,917.65

3,820.05

3,212.07

2,297.57

1,709.61

1,354.01

955.71

Total Expenditure (Excl Depreciation)

4,394.88

3,159.51

2,464.93

1,647.17

1,099.77

995.55

780.84

Employee Cost

2,330.29

1,547.81

1,310.51

965.26

643.35

555.14

441.54

Other Operating Expenses

2,064.59

1,611.70

1,154.42

681.91

456.42

440.41

339.30

Operating Profit Before Provisions and Contingencies

3,288.42

1,816.68

1,448.56

1,332.71

1,759.80

881.39

506.23

Exceptional Items

0.00

Provisions and contingencies

1,157.52

272.09

113.96

267.75

497.32

132.63

102.55

Profit Before Tax

2,130.91

1,544.59

1,334.60

1,064.96

1,262.48

748.76

403.68

Tax

528.67

380.61

331.30

281.21

260.77

196.30

140.11

Profit After Tax

1,602.23

1,163.98

1,003.30

783.76

1,001.71

552.46

263.57

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,602.23

1,163.98

1,003.30

783.76

1,001.71

552.46

263.57

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

7.08

5.58

5.87

9.54

15.54

6.35

1.6

Operating Profit Margin (Excl OI)

62.73%

59.1%

58.44%

61.29%

69.93%

67.91%

62.32%

Gross Profit Margin

0.0%

PAT Margin

13.59%

15.07%

16.92%

18.42%

27.39%

17.81%

12.72%

Net Interest Margin

5.9%

5.5%

6.2%

6.3%

0.0%

Return on Assets

0.37%

0.38%

0.5%

0.54%

1.06%

0.51%

0.36%

CASA (%)

31.0%

33.0%

38.0%

39.0%

0.0%

17.0%

24.0%

CASA Amount

34,402.00

26,446.00

23,471.00

17,379.00

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

80.0%

72.0%

74.0%

51.0%

0.0%

46.8%

37.6%

Amount of Gross NPAs

2,335.51

1,339.68

1,018.86

1,057.57

302.74

504.00

420.73

Amount of Net NPAs

905.60

456.16

284.56

520.18

72.69

268.14

262.65

% of Net NPAs

0.91%

0.68%

0.51%

1.29%

0.24%

1.01%

1.31%

% of Gross NPAs

2.31%

1.98%

1.81%

2.6%

0.99%

1.88%

2.09%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

674.0

495.0

489.0

496.0

0.0

310.0

485.0

Number of Branches

2400.0

1049.0

1015.0

863.0

0.0

496.0

396.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 52.66% vs 30.26% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is 37.65% vs 16.02% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 81.01% vs 25.41% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is 0.23% vs 0.17% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is 0.33% vs 0.17% in Dec 2023

Compare Nine Monthly Results Of AU Small Finance With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

11,793.13

23,278.78

-11,485.65

-49.34%

Income On Investments

1,619.82

4,354.90

-2,735.08

-62.8%

Interest On Balances With Rbi Other Inter Bank Funds

47.17

291.40

-244.23

-83.81%

Interest / Discount On Advances / Bills

9,812.82

17,464.10

-7,651.28

-43.81%

Others

313.33

1,168.38

-855.05

-73.18%

Other Income

1,765.65

4,117.60

-2,351.95

-57.12%

Total Income

13,558.78

27,396.38

-13,837.60

-50.51%

Interest Expended

5,875.48

16,610.78

-10,735.30

-64.63%

Net Interest Income

5,917.65

6,668.00

-750.35

-11.25%

Total Expenditure (Excl Depreciation)

4,394.88

7,846.02

-3,451.14

-43.99%

Employee Cost

2,330.29

2,991.59

-661.30

-22.11%

Other Operating Expenses

2,064.59

4,854.43

-2,789.84

-57.47%

Operating Profit Before Provisions and Contingencies

3,288.42

2,939.58

348.84

11.87%

Exceptional Items

0.00

Provisions and contingencies

1,157.52

767.55

389.97

50.81%

Profit Before Tax

2,130.91

2,172.03

-41.12

-1.89%

Tax

528.67

504.29

24.38

4.83%

Profit After Tax

1,602.23

1,667.74

-65.51

-3.93%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,602.23

1,667.74

-65.51

-3.93%

Face Value

10.00

2.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

13.59%

7.16%

0.00

6.43%

Net Interest Margin

5.90%

2.40%

3.50

3.50%

Return on Assets

0.37%

0.00%

0.37

0.37%

CASA (%)

31.00%

33.10%

-2.10

-2.10%

CASA Amount

34,402.00

91,650.00

-57,248.00

-62.46%

Capital Adequacy Ratio (Total)

0.00%

15.20%

-15.20

-15.20%

Capital Adequacy Ratio (Tier 1)

0.00%

12.59%

-12.59

-12.59%

Provision Coverage Ratio (%)

80.00%

71.20%

8.80

8.80%

Amount of Gross NPAs

2,335.51

3,963.47

-1,627.96

-41.07%

Amount of Net NPAs

905.60

1,142.62

-237.02

-20.74%

% of Net NPAs

0.91%

0.50%

0.41

0.41%

% of Gross NPAs

2.31%

1.60%

0.71

0.71%

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

674.00

1,326.00

-652.00

-49.17%

Number of Branches

2,400.00

1,247.00

1,153.00

92.46%

Nine Monthly - Interest Earned

Interest Earned 11793.13 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 52.66% vs 30.26% in Dec 2023

Nine Monthly - Net Profit

Net Profit 1,602.23 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 37.65% vs 16.02% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 3,288.42 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 81.01% vs 25.41% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 0.91%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is 0.23% vs 0.17% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.31%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is 0.33% vs 0.17% in Dec 2023