Quarterly Results Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
4,113.48
3,910.61
3,769.04
2,829.50
2,735.82
2,531.05
2,458.34
Income On Investments
568.52
508.20
543.10
469.76
414.41
372.38
375.83
Interest On Balances With Rbi Other Inter Bank Funds
18.56
14.81
13.79
15.55
16.28
14.98
20.06
Interest / Discount On Advances / Bills
3,441.21
3,279.63
3,091.98
2,243.13
2,123.22
2,068.74
2,007.06
Others
85.19
107.97
120.17
101.06
181.91
74.95
55.38
Other Income
618.41
637.96
509.27
555.62
442.23
406.42
315.12
Total Income
4,731.89
4,548.58
4,278.31
3,385.12
3,178.05
2,937.48
2,773.46
Interest Expended
2,090.77
1,936.25
1,848.46
1,492.47
1,410.95
1,282.09
1,212.13
Net Interest Income
2,022.71
1,974.36
1,920.58
1,337.03
1,324.87
1,248.96
1,246.21
Total Expenditure (Excl Depreciation)
1,436.21
1,480.56
1,478.11
1,228.50
1,117.48
1,026.73
1,015.29
Employee Cost
754.66
785.49
790.14
555.87
528.75
512.02
507.04
Other Operating Expenses
681.55
695.07
687.97
672.63
588.73
514.71
508.25
Operating Profit Before Provisions and Contingencies
1,204.91
1,131.77
951.74
664.15
649.63
628.65
546.04
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
501.68
372.99
282.85
132.51
151.48
95.27
32.98
Profit Before Tax
703.23
758.78
668.89
454.84
498.15
533.38
513.06
Tax
174.78
187.57
166.32
84.10
122.90
131.55
126.16
Profit After Tax
528.45
571.21
502.57
370.74
375.25
401.83
386.90
Extraordinary Items
0.00
0.00
0.00
-62.60
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
528.45
571.21
502.57
433.34
375.25
401.83
386.90
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
7.1
7.68
6.76
5.54
5.61
6.01
5.8
Diluted Earnings per share
7.08
7.65
6.74
6.69
5.58
5.98
5.77
Operating Profit Margin (Excl OI)
52.89%
52.6%
53.28%
49.19%
53.62%
55.67%
57.36%
Gross Profit Margin
17.1%
19.4%
17.75%
16.07%
18.21%
21.07%
20.87%
PAT Margin
12.85%
14.61%
13.33%
13.1%
13.72%
15.88%
15.74%
Net Interest Margin
5.9%
6.1%
6.0%
5.45%
5.5%
5.5%
5.7%
Return on Assets
0.37%
0.43%
0.39%
0.35%
0.38%
0.43%
0.43%
CASA (%)
31.0%
32.0%
33.0%
33.0%
33.0%
34.0%
35.0%
CASA Amount
34,402.00
35,521.00
32,035.00
29,126.00
26,446.00
25,666.00
24,286.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
80.0%
82.0%
84.0%
76.0%
72.0%
73.0%
73.0%
Amount of Gross NPAs
2,335.51
1,901.69
1,613.18
1,237.40
1,339.68
1,244.75
1,121.23
Amount of Net NPAs
905.60
706.70
562.56
400.99
456.16
384.72
347.15
% of Net NPAs
0.91%
0.75%
0.63%
0.55%
0.68%
0.6%
0.55%
% of Gross NPAs
2.31%
1.98%
1.78%
1.67%
1.98%
1.91%
1.76%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
674.0
688.0
695.0
682.0
495.0
495.0
495.0
Number of Branches
2400.0
2408.0
2414.0
2383.0
1049.0
1042.0
1038.0
Quarterly Analysis Highlights - YoY
Interest Earned
YoY Growth in quarter ended Dec 2024 is 50.36% vs 29.17% in Dec 2023
Net Profit
YoY Growth in quarter ended Dec 2024 is 40.83% vs -4.48% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in quarter ended Dec 2024 is 85.48% vs 16.90% in Dec 2023
% of Net NPAs
YoY Growth in quarter ended Dec 2024 is 0.23% vs 0.17% in Dec 2023
% of Gross NPAs
YoY Growth in quarter ended Dec 2024 is 0.33% vs 0.17% in Dec 2023
Compare Quarterly Results Of AU Small Finance With
Figures in Rs cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
4,113.48
7,829.14
-3,715.66
-47.46%
Income On Investments
568.52
1,416.82
-848.30
-59.87%
Interest On Balances With Rbi Other Inter Bank Funds
18.56
120.48
-101.92
-84.59%
Interest / Discount On Advances / Bills
3,441.21
5,904.92
-2,463.71
-41.72%
Others
85.19
386.92
-301.73
-77.98%
Other Income
618.41
1,512.01
-893.60
-59.1%
Total Income
4,731.89
9,341.15
-4,609.26
-49.34%
Interest Expended
2,090.77
5,605.62
-3,514.85
-62.7%
Net Interest Income
2,022.71
2,223.52
-200.81
-9.03%
Total Expenditure (Excl Depreciation)
1,436.21
2,656.51
-1,220.30
-45.94%
Employee Cost
754.66
1,003.87
-249.21
-24.82%
Other Operating Expenses
681.55
1,652.64
-971.09
-58.76%
Operating Profit Before Provisions and Contingencies
1,204.91
1,079.02
125.89
11.67%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
501.68
258.68
243.00
93.94%
Profit Before Tax
703.23
820.34
-117.11
-14.28%
Tax
174.78
208.07
-33.29
-16.0%
Profit After Tax
528.45
612.27
-83.82
-13.69%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
528.45
612.27
-83.82
-13.69%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
7.10
0.20
6.90
3450.0%
Diluted Earnings per share
7.08
0.19
6.89
3626.32%
Operating Profit Margin (Excl OI)
52.89%
62.76%
0.00
-9.87%
Gross Profit Margin
17.10%
10.48%
0.00
6.62%
PAT Margin
12.85%
7.82%
0.00
5.03%
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
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
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%
Quarterly - Interest Earned
Interest Earned 4113.48 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 5.19% vs 3.76% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 50.36% vs 29.17% in Dec 2023
Quarterly - Net Profit
Net Profit 528.45 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is -7.49% vs 13.66% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 40.83% vs -4.48% in Dec 2023
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,204.91 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 6.46% vs 18.92% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 85.48% vs 16.90% in Dec 2023
Quarterly - % of Net NPAs
% of Net NPAs 0.91%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is 0.16% vs 0.12% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 0.23% vs 0.17% in Dec 2023
Quarterly - % of Gross NPAs
% of Gross NPAs 2.31%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is 0.33% vs 0.20% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 0.33% vs 0.17% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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