Cash flow AU Small Finance Bank Limited

Equities

AUBANK

INE949L01017

Banks

Market Closed - NSE India S.E. Other stock markets 04:35:01 10/04/2026 pm IST			5-day change	1st Jan Change
981.80 ^INR	+1.95%		+13.08%	-1.28%

28/03	AU Small Finance Bank Limited Announces Cessation of Kavita Venugopal as Independent Director, Effective March 28, 2026	CI
24/03	Nomura Adjusts AU Small Finance Bank's Price Target to INR915 From INR930, Keeps at Neutral	MT

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Published financial data: AU SMALL FINANCE BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	4.95TCr	5.92TCr	8.21TCr	11TCr	16TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	4.95TCr	5.92TCr	8.21TCr	11TCr	16TCr
Interest On Deposits	2.58TCr	2.69TCr	3.78TCr	5.4TCr	8.05TCr
Interest Expense, Total	2.58TCr	2.69TCr	3.78TCr	5.4TCr	8.05TCr
Net Interest Income	2.37TCr	3.23TCr	4.43TCr	5.16TCr	8.01TCr
Gain (Loss) on Sale of Loans	-	-	-	-	-
Gain (Loss) on Sale of Assets	-93.04L	-63.66L	-66.31L	-1.4Cr	-3.61Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	884.81Cr	142.97Cr	-44Cr	52Cr	235.19Cr
Total Other Non Interest Income	567.66Cr	851.36Cr	1.08TCr	1.7TCr	2.29TCr
Non Interest Income, Total	1.45TCr	993.69Cr	1.03TCr	1.75TCr	2.53TCr
Revenues Before Provison For Loan Losses	3.82TCr	4.23TCr	5.46TCr	6.9TCr	11TCr
Provision For Loan Losses	700.06Cr	360.97Cr	154.83Cr	438.74Cr	1.79TCr
Total Revenues	3.12TCr	3.87TCr	5.3TCr	6.46TCr	8.75TCr
Salaries And Other Employee Benefits	903.38Cr	1.36TCr	1.77TCr	2.07TCr	3.09TCr
Stock-Based Compensation (IS)	77Cr	18Cr	21Cr	30Cr	58Cr
Occupancy Expense	295.61Cr	403.13Cr	541.66Cr	663.05Cr	884.36Cr
Selling General & Admin Expenses, Total	223.22Cr	390.94Cr	760.15Cr	1.05TCr	1.14TCr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	159.42Cr	239.78Cr	345.44Cr	645.64Cr	786.14Cr
Non Interest Expense, Total	1.66TCr	2.41TCr	3.44TCr	4.46TCr	5.96TCr
EBT, Excl. Unusual Items	1.46TCr	1.45TCr	1.86TCr	2TCr	2.79TCr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.46TCr	1.45TCr	1.86TCr	2TCr	2.79TCr
Income Tax Expense	287.82Cr	324.24Cr	436.72Cr	464.71Cr	682.13Cr
Earnings From Continuing Operations	1.17TCr	1.13TCr	1.43TCr	1.53TCr	2.11TCr
Net Income to Company	1.17TCr	1.13TCr	1.43TCr	1.53TCr	2.11TCr
Net Income - (IS)	1.17TCr	1.13TCr	1.43TCr	1.53TCr	2.11TCr
Net Income to Common Incl Extra Items	1.17TCr	1.13TCr	1.43TCr	1.53TCr	2.11TCr
Net Income to Common Excl. Extra Items	1.17TCr	1.13TCr	1.43TCr	1.53TCr	2.11TCr
Per Share Items
Net EPS - Basic	19.1	18.03	21.86	22.98	28.32
Basic EPS - Continuing Operations	19.1	18.03	21.86	22.98	28.32
Basic Weighted Average Shares Outstanding	61Cr	63Cr	65Cr	67Cr	74Cr
Net EPS - Diluted	18.93	17.84	21.74	22.86	28.24
Diluted EPS - Continuing Operations	18.93	17.84	21.74	22.86	28.24
Diluted Weighted Average Shares Outstanding	62Cr	63Cr	66Cr	67Cr	75Cr
Normalized Basic EPS	14.87	14.5	17.84	18.71	23.43
Normalized Diluted EPS	14.74	14.35	17.74	18.61	23.36
Dividend Per Share	-	0.5	1	1	1
Payout Ratio	-	-	2.21	4.35	3.53
Supplemental Items
Effective Tax Rate - (Ratio)	19.73	22.3	23.42	23.24	24.47
Current Domestic Taxes	347.72Cr	365.82Cr	387.37Cr	487.97Cr	704.76Cr
Total Current Taxes	347.72Cr	365.82Cr	387.37Cr	487.97Cr	704.76Cr
Deferred Domestic Taxes	-60Cr	-42Cr	49Cr	-23Cr	-23Cr
Total Deferred Taxes	-60Cr	-42Cr	49Cr	-23Cr	-23Cr
Normalized Net Income	911.57Cr	908.8Cr	1.17TCr	1.25TCr	1.74TCr
Non-Cash Pension Expense	-1.35Cr	-8.91Cr	-14Cr	6.97Cr	11Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	77Cr	18Cr	21Cr	30Cr	58Cr
Total Stock-Based Compensation	77Cr	18Cr	21Cr	30Cr	58Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.63TCr	3.91TCr	1.04TCr	2.27TCr	1.33TCr
Investment Securities, Total	11TCr	15TCr	20TCr	27TCr	38TCr
Total investments	11TCr	15TCr	20TCr	27TCr	38TCr
Gross Loans	35TCr	46TCr	58TCr	73TCr	1,07100Cr
Net Loans	35TCr	46TCr	58TCr	73TCr	1,07100Cr
Gross Property Plant And Equipment	801.67Cr	1.07TCr	1.37TCr	1.65TCr	2.04TCr
Accumulated Depreciation	-319.3Cr	-452.35Cr	-633.19Cr	-802.93Cr	-1.12TCr
Net Property Plant And Equipment	482.37Cr	622.57Cr	740.14Cr	851.59Cr	912.47Cr
Goodwill	-	-	-	-	-
Other Intangibles, Total	-	-	-	-	-
Accrued Interest Receivable	499.95Cr	558.4Cr	710.11Cr	920.31Cr	1.58TCr
Other Receivables	-	-	-	-	-
Restricted Cash	1.15TCr	2.01TCr	8.39TCr	4.1TCr	8.14TCr
Other Current Assets, Total	62Cr	86Cr	64Cr	99Cr	125.16Cr
Deferred Tax Assets Long-Term (Collected)	100.57Cr	142.16Cr	93Cr	116.07Cr	235.96Cr
Other Long-Term Assets, Total	240.85Cr	338.12Cr	690.46Cr	766.02Cr	589.42Cr
Total Assets	52TCr	69TCr	90TCr	1,09400Cr	1,57800Cr
Liabilities
Accrued Expenses, Total	-	-	-	-	-
Interest Bearing Deposits	34TCr	50TCr	66TCr	82TCr	1,17300Cr
Non-Interest Bearing Deposits	1.63TCr	2.57TCr	3.68TCr	5.34TCr	7TCr
Total Deposits	36TCr	53TCr	69TCr	87TCr	1,24300Cr
Short-Term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	4.43TCr	2.49TCr	2.52TCr	2.1TCr	6.08TCr
Long-Term Debt	2.6TCr	3.5TCr	3.78TCr	3.38TCr	5.58TCr
Current Income Taxes Payable	20Cr	1.31Cr	19Cr	18Cr	62Cr
Accrued Interest Payable	333.88Cr	250.55Cr	366.78Cr	495.6Cr	743.48Cr
Other Current Liabilities - (Bank / Utility Template)	97Cr	188.47Cr	192.77Cr	196.62Cr	210.84Cr
Pension & Other Post Retirement Benefits	-	-	-	-	-
Other Non Current Liabilities	1.86TCr	2.55TCr	3TCr	3.49TCr	3.73TCr
Total Liabilities	45TCr	62TCr	79TCr	97TCr	1,40700Cr
Common Stock, Total	312.21Cr	314.9Cr	666.74Cr	669.16Cr	744.53Cr
Additional Paid In Capital	1.93TCr	2.09TCr	3.81TCr	3.9TCr	5.33TCr
Retained Earnings	3.9TCr	5.01TCr	6.4TCr	7.86TCr	9.86TCr
Comprehensive Income and Other	141.68Cr	98Cr	103.63Cr	129.65Cr	1.23TCr
Total Common Equity	6.28TCr	7.51TCr	11TCr	13TCr	17TCr
Minority Interest	-	-	-	-	-
Total Equity	6.28TCr	7.51TCr	11TCr	13TCr	17TCr
Total Liabilities And Equity	52TCr	69TCr	90TCr	1,09400Cr	1,57800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	62Cr	63Cr	67Cr	67Cr	74Cr
ECS Total Common Shares Outstanding	62Cr	63Cr	67Cr	67Cr	74Cr
Book Value / Share	100.5	119.31	164.64	187.69	230.57
Tangible Book Value	6.28TCr	7.51TCr	11TCr	13TCr	17TCr
Tangible Book Value Per Share	100.5	119.31	164.64	187.69	230.57
Total Debt	7.03TCr	5.99TCr	6.3TCr	5.48TCr	12TCr
Deposits at Interest - Cash	3.12TCr	3.31TCr	5.69TCr	1.94TCr	4.17TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	13Cr	9.54Cr	5.69Cr	21Cr	36Cr
Net Debt	3.4TCr	2.08TCr	5.26TCr	3.21TCr	10TCr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	22.48T	27.82T	28.32T	29.74T	50.95T
Number Of Offices	552	692	474	629	616

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	1.17TCr	1.13TCr	1.43TCr	1.53TCr	2.11TCr
Depreciation, Depletion & Amortization	104.37Cr	140.17Cr	185.42Cr	225.44Cr	258.51Cr
Total Depreciation, Depletion & Amortization	104.37Cr	140.17Cr	185.42Cr	225.44Cr	258.51Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	93.04L	63.66L	66.31L	1.4Cr	3.61Cr
(Gain) Loss on Sale of Investments - (CF)	36Cr	77Cr	92Cr	96Cr	105.51Cr
Provision for Credit Losses	568.29Cr	360.5Cr	174.32Cr	422.06Cr	1.99TCr
Stock-Based Compensation (CF)	77Cr	18Cr	21Cr	30Cr	58Cr
Change in Other Net Operating Assets (Collected)	-6.68TCr	-11TCr	-13TCr	-18TCr	-26TCr
Other Operating Activities	-35Cr	-51Cr	41Cr	-7.88Cr	34Cr
Cash from Operations	-4.76TCr	-9.76TCr	-11TCr	-15TCr	-21TCr
Capital Expenditure	-141.23Cr	-282.49Cr	-305.94Cr	-346.42Cr	-264.36Cr
Sale of Property, Plant, and Equipment	1.56Cr	1.48Cr	2.29Cr	8.12Cr	7.33Cr
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-850.08Cr	-4.47TCr	-4.02TCr	-4.52TCr	-5.67TCr
Cash from Investing	-989.74Cr	-4.75TCr	-4.32TCr	-4.85TCr	-5.93TCr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	-	307.87Cr	-	2.42TCr
Total Debt Issued	-	-	307.87Cr	-	2.42TCr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-3.31TCr	-1.04TCr	-	-819.28Cr	-
Total Debt Repaid	-3.31TCr	-1.04TCr	-	-819.28Cr	-
Issuance of Common Stock	657.98Cr	90Cr	2.07TCr	84Cr	61Cr
Common Dividends Paid	-	-	-32Cr	-67Cr	-74Cr
Common & Preferred Stock Dividends Paid	-	-	-32Cr	-67Cr	-74Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	9.82TCr	17TCr	17TCr	18TCr	27TCr
Other Financing Activities, Total	-7.05Cr	-	-23Cr	-	-
Cash from Financing	7.16TCr	16TCr	19TCr	17TCr	29TCr
Miscellaneous Cash Flow Adjustments	-	-	-	-	1.15TCr
Net Change in Cash	1.41TCr	1.15TCr	3.5TCr	-3.05TCr	3.09TCr
Supplemental Items
Cash Interest Paid	5.95Cr	7.14Cr	9.36Cr	9.21Cr	6.31Cr
Cash Income Tax Paid (Refund)	314.33Cr	384.86Cr	369.93Cr	488.43Cr	667.67Cr
Net Debt Issued / Repaid	-3.31TCr	-1.04TCr	307.87Cr	-819.28Cr	2.42TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.5	1.87	1.79	1.54	1.58
Return On Equity %	21.98	16.39	15.44	13.04	14.17
Return on Common Equity	21.98	16.39	15.44	13.04	14.17
Shareholders Value Added	531.56Cr	302.48Cr	318.44Cr	122.51Cr	322.38Cr
Margin Analysis
SG&A Margin	46.66	56.89	59.21	59.97	59.93
Net Interest Income / Total Revenues %	75.89	83.64	83.42	79.78	91.61
EBT Excl. Non-Recurring Items Margin %	46.79	37.6	35.15	30.93	31.88
Income From Continuing Operations Margin %	37.56	29.22	26.92	23.74	24.08
Net Income Margin %	37.56	29.22	26.92	23.74	24.08
Net Avail. For Common Margin %	37.56	29.22	26.92	23.74	24.08
Normalized Net Income Margin	29.25	23.5	21.97	19.33	19.93
Asset quality
Nonperforming Loans / Total Loans %	4.34	2.01	1.68	1.69	2.31
Nonperforming Loans / Total Assets %	2.91	1.34	1.09	1.13	1.57
Nonperforming Assets / Total Assets %	2.91	1.34	1.09	1.13	1.57
NPAs / Loans and OREO	4.34	2.01	1.68	1.69	2.31
NPAs / Equity	23.95	12.3	8.94	9.85	14.43
Provision for Loan Losses / Net Charge-offs %	530.87	194.05	88.14	158.06	182.43
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.36	11.43	11.61	11.79	11.12
Total Average Equity / Total Average Assets %	11.36	11.43	11.61	11.79	11.12
Total Equity + Allowance for Loan Losses / Total Loans %	18.13	16.3	18.79	17.17	16.03
Gross Loans / Total Deposits %	96.19	87.66	84.22	83.92	86.18
Net Loans / Total Deposits %	96.19	87.66	84.22	83.92	86.18
Tier 1 Capital Ratio %	21.53	19.69	21.78	18.8	18.14
Total Capital Ratio %	23.37	20.99	23.59	20.06	20.06
Core Tier 1 Capital Ratio	21.53	19.69	21.78	18.8	18.14
Tier 2 Capital Ratio	1.84	1.3	1.81	1.26	1.92
Interbank Ratio	62.01	51.6	7.44	22.84	10.27
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.56	1.54	1.49	1.37	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	23.91	36.72	36.83	16.54	55.35
Non Interest Income, 1 Yr. Growth %	105.57	-30.07	4.1	68.77	48.86
Provision For Loan Losses, 1 Yr. Growth %	147.2	-46.08	-57.11	183.37	359.65
Total Revenues, 1 Yr. Growth %	33.67	24.06	37.19	21.85	35.29
Earnings From Cont. Operations, 1 Yr. Growth %	73.49	-3.49	26.38	7.48	37.22
Net Income, 1 Yr. Growth %	73.49	-3.49	26.38	7.48	37.22
Normalized Net Income, 1 Yr. Growth %	59.58	-0.3	28.24	7.23	39.44
Diluted EPS Before Extra, 1 Yr. Growth %	69.62	-5.73	21.79	5.15	23.53
Dividend Per Share, 1 Yr. Growth %	-	-	100	0	0
Gross Loans, 1 Yr. Growth %	28.22	33.19	26.74	25.23	46.38
Net Loans, 1 Yr. Growth %	28.22	33.19	26.74	25.23	46.38
Non Performing Loans, 1 Yr. Growth %	228.29	-38.49	6.16	26.1	100.18
Non Performing Assets, 1 Yr. Growth %	228.29	-38.49	6.16	26.1	100.18
Total Assets, 1 Yr. Growth %	22.42	33.89	30.6	21.29	44.25
Total Deposits, 1 Yr Growth %	37.51	46.15	31.91	25.69	42.54
Tangible Book Value, 1 Yr. Growth %	43.37	19.74	46.09	14.41	36.68
Common Equity, 1 Yr. Growth %	43.37	19.74	46.09	14.41	36.68
Total Equity, 1 Yr. Growth %	43.37	19.74	46.09	14.41	36.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	32.73	30.16	36.78	26.28	34.55
Non Interest Income, 2 Yr. CAGR %	77.27	18.63	-14.68	32.55	56.27
Provision For Loan Losses, 2 Yr. CAGR %	122.21	12.9	-51.91	10.25	240.26
Total Revenues, 2 Yr. CAGR %	36.92	28.77	30.46	29.29	28.39
Earnings From Cont. Operations, 2 Yr. CAGR %	75.1	29.4	10.44	16.55	21.44
Net Income, 2 Yr. CAGR %	75.1	29.4	10.44	16.55	21.44
Normalized Net Income, 2 Yr. CAGR %	58.56	26.13	13.07	17.26	22.28
Diluted EPS Before Extra, 2 Yr. CAGR %	71.32	26.45	7.17	13.17	13.97
Dividend Per Share, 2 Yr. CAGR %	-	-	-	41.42	0
Gross Loans, 2 Yr. CAGR %	23.15	30.68	29.92	25.98	35.39
Net Loans, 2 Yr. CAGR %	23.15	30.68	29.92	25.98	35.39
Non Performing Loans, 2 Yr. CAGR %	78.79	42.1	-19.19	15.7	58.88
Non Performing Assets, 2 Yr. CAGR %	78.79	42.1	-19.19	15.7	58.88
Total Assets, 2 Yr. CAGR %	25.76	28.03	32.24	25.86	32.27
Total Deposits, 2 Yr CAGR %	36.11	41.77	38.85	28.76	33.85
Tangible Book Value, 2 Yr. CAGR %	40.86	31.03	32.26	29.29	25.05
Common Equity, 2 Yr. CAGR %	40.86	31.03	32.26	29.29	25.05
Total Equity, 2 Yr. CAGR %	40.86	31.03	32.26	29.29	25.05
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	36	34.05	32.35	29.67	35.31
Non Interest Income, 3 Yr. CAGR %	55.23	29.09	13.58	7.11	36.48
Provision For Loan Losses, 3 Yr. CAGR %	74.14	36.55	-18.23	-13.14	70.61
Total Revenues, 3 Yr. CAGR %	37.62	32.49	31.52	27.53	31.26
Earnings From Cont. Operations, 3 Yr. CAGR %	58.85	43.57	28.38	9.45	23.07
Net Income, 3 Yr. CAGR %	58.85	43.57	28.38	9.45	23.07
Normalized Net Income, 3 Yr. CAGR %	48.73	35.84	26.83	11.09	24.23
Diluted EPS Before Extra, 3 Yr. CAGR %	55.86	40.38	24.89	6.49	16.52
Dividend Per Share, 3 Yr. CAGR %	-	10.06	-	-	25.99
Gross Loans, 3 Yr. CAGR %	37.5	26.41	29.35	28.34	32.44
Net Loans, 3 Yr. CAGR %	37.5	26.41	29.35	28.34	32.44
Non Performing Loans, 3 Yr. CAGR %	77.28	25.28	28.94	-6.27	38.9
Non Performing Assets, 3 Yr. CAGR %	77.28	25.28	28.94	-6.27	38.9
Total Assets, 3 Yr. CAGR %	39.92	28.41	28.88	28.48	31.71
Total Deposits, 3 Yr CAGR %	65.6	39.38	38.4	34.32	33.2
Tangible Book Value, 3 Yr. CAGR %	40.12	33.43	35.87	26.02	31.7
Common Equity, 3 Yr. CAGR %	40.12	33.43	35.87	26.02	31.7
Total Equity, 3 Yr. CAGR %	40.12	33.43	35.87	26.02	31.7
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	29.99	33.81	36.31	30.89	33.22
Non Interest Income, 5 Yr. CAGR %	76.54	43.97	21.66	30.46	29.04
Provision For Loan Losses, 5 Yr. CAGR %	70.57	39.82	3.15	25.35	44.64
Total Revenues, 5 Yr. CAGR %	35.85	35.48	34.71	31.2	30.26
Earnings From Cont. Operations, 5 Yr. CAGR %	36.56	8.2	37.36	32.08	25.56
Net Income, 5 Yr. CAGR %	36.56	8.2	37.36	32.08	25.56
Normalized Net Income, 5 Yr. CAGR %	31.23	24.43	33.28	28.08	24.99
Diluted EPS Before Extra, 5 Yr. CAGR %	32.53	5.39	34.17	28.8	20.4
Dividend Per Share, 5 Yr. CAGR %	-	-	31.95	21.67	-
Gross Loans, 5 Yr. CAGR %	36.64	47.53	34.42	26.24	31.74
Net Loans, 5 Yr. CAGR %	36.64	47.53	34.42	26.24	31.74
Non Performing Loans, 5 Yr. CAGR %	77.42	48.93	29.47	21.35	40.17
Non Performing Assets, 5 Yr. CAGR %	77.42	48.93	29.47	21.35	40.17
Total Assets, 5 Yr. CAGR %	45.42	47.75	36.8	27.39	30.23
Total Deposits, 5 Yr CAGR %	-	-	54.33	35.03	36.56
Tangible Book Value, 5 Yr. CAGR %	42.6	31.57	36.92	31.76	31.43
Common Equity, 5 Yr. CAGR %	42.54	30.47	36.92	31.76	31.43
Total Equity, 5 Yr. CAGR %	42.42	30.47	36.92	31.76	31.43