Financial Ratios AU Small Finance Bank Limited

Equities

AUBANK

INE949L01017

Banks

Market Closed - NSE India S.E. Other stock markets 03:44:35 07/07/2025 pm IST			5-day change	1st Jan Change
813.85 ^INR	-0.69%		-0.45%	+45.56%

04/07	AU Small Finance Bank Limited Appoints Vikash Modi as Head of HR	CI
30/06	AU Small Finance Bank Partners With LIC to Expand Insurance Reach	MT

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Published financial data: AU SMALL FINANCE BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	4.29TCr	4.95TCr	5.92TCr	8.21TCr	11TCr
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	4.29TCr	4.95TCr	5.92TCr	8.21TCr	11TCr
Interest On Deposits	2.38TCr	2.58TCr	2.69TCr	3.78TCr	5.4TCr
Interest Expense, Total	2.38TCr	2.58TCr	2.69TCr	3.78TCr	5.4TCr
Net Interest Income	1.91TCr	2.37TCr	3.23TCr	4.43TCr	5.16TCr
Gain (Loss) on Sale of Loans	-	-	-	-	-
Gain (Loss) on Sale of Assets	-1.11Cr	-93.04L	-63.66L	-66.31L	-1.4Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	172.57Cr	884.81Cr	142.97Cr	-44Cr	52Cr
Total Other Non Interest Income	534.63Cr	567.66Cr	851.36Cr	1.08TCr	1.7TCr
Non Interest Income, Total	706.09Cr	1.45TCr	993.69Cr	1.03TCr	1.75TCr
Revenues Before Provison For Loan Losses	2.62TCr	3.82TCr	4.23TCr	5.46TCr	6.9TCr
Provision For Loan Losses	283.2Cr	700.06Cr	360.97Cr	154.83Cr	438.74Cr
Total Revenues	2.33TCr	3.12TCr	3.87TCr	5.3TCr	6.46TCr
Salaries And Other Employee Benefits	735.88Cr	903.38Cr	1.36TCr	1.77TCr	2.07TCr
Stock-Based Compensation (IS)	24Cr	77Cr	18Cr	21Cr	30Cr
Occupancy Expense	268.5Cr	295.61Cr	403.13Cr	541.66Cr	663.05Cr
Selling General & Admin Expenses, Total	235.1Cr	223.22Cr	390.94Cr	760.15Cr	1.05TCr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	154.64Cr	159.42Cr	239.78Cr	345.44Cr	645.64Cr
Non Interest Expense, Total	1.42TCr	1.66TCr	2.41TCr	3.44TCr	4.46TCr
EBT, Excl. Unusual Items	913.97Cr	1.46TCr	1.45TCr	1.86TCr	2TCr
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	913.97Cr	1.46TCr	1.45TCr	1.86TCr	2TCr
Income Tax Expense	239.19Cr	287.82Cr	324.24Cr	436.72Cr	464.71Cr
Earnings From Continuing Operations	674.78Cr	1.17TCr	1.13TCr	1.43TCr	1.53TCr
Net Income to Company	674.78Cr	1.17TCr	1.13TCr	1.43TCr	1.53TCr
Net Income - (IS)	674.78Cr	1.17TCr	1.13TCr	1.43TCr	1.53TCr
Net Income to Common Incl Extra Items	674.78Cr	1.17TCr	1.13TCr	1.43TCr	1.53TCr
Net Income to Common Excl. Extra Items	674.78Cr	1.17TCr	1.13TCr	1.43TCr	1.53TCr
Per Share Items
Net EPS - Basic	11.39	19.1	18.03	21.86	22.98
Basic EPS - Continuing Operations	11.39	19.1	18.03	21.86	22.98
Basic Weighted Average Shares Outstanding	59Cr	61Cr	63Cr	65Cr	67Cr
Net EPS - Diluted	11.16	18.93	17.84	21.74	22.86
Diluted EPS - Continuing Operations	11.16	18.93	17.84	21.74	22.86
Diluted Weighted Average Shares Outstanding	60Cr	62Cr	63Cr	66Cr	67Cr
Normalized Basic EPS	9.64	14.87	14.5	17.84	18.71
Normalized Diluted EPS	9.45	14.74	14.35	17.74	18.61
Dividend Per Share	-	-	0.5	1	1
Payout Ratio	3.92	-	-	2.21	4.35
Supplemental Items
Effective Tax Rate - (Ratio)	26.17	19.73	22.3	23.42	23.24
Current Domestic Taxes	268.92Cr	347.72Cr	365.82Cr	387.37Cr	487.97Cr
Total Current Taxes	268.92Cr	347.72Cr	365.82Cr	387.37Cr	487.97Cr
Deferred Domestic Taxes	-30Cr	-60Cr	-42Cr	49Cr	-23Cr
Total Deferred Taxes	-30Cr	-60Cr	-42Cr	49Cr	-23Cr
Normalized Net Income	571.23Cr	911.57Cr	908.8Cr	1.17TCr	1.25TCr
Non-Cash Pension Expense	6.06Cr	-1.35Cr	-8.91Cr	-14Cr	6.97Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	24Cr	77Cr	18Cr	21Cr	30Cr
Total Stock-Based Compensation	24Cr	77Cr	18Cr	21Cr	30Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2.65TCr	3.63TCr	3.91TCr	1.04TCr	2.27TCr
Investment Securities, Total	11TCr	11TCr	15TCr	20TCr	27TCr
Total investments	11TCr	11TCr	15TCr	20TCr	27TCr
Gross Loans	27TCr	35TCr	46TCr	58TCr	73TCr
Net Loans	27TCr	35TCr	46TCr	58TCr	73TCr
Gross Property Plant And Equipment	668.72Cr	801.67Cr	1.07TCr	1.37TCr	1.65TCr
Accumulated Depreciation	-220.72Cr	-319.3Cr	-452.35Cr	-633.19Cr	-802.93Cr
Net Property Plant And Equipment	448Cr	482.37Cr	622.57Cr	740.14Cr	851.59Cr
Goodwill	-	-	-	-	-
Other Intangibles, Total	-	-	-	-	-
Accrued Interest Receivable	413.51Cr	499.95Cr	558.4Cr	710.11Cr	920.31Cr
Other Receivables	-	-	-	-	-
Restricted Cash	723.96Cr	1.15TCr	2.01TCr	8.39TCr	4.1TCr
Other Current Assets, Total	66Cr	62Cr	86Cr	64Cr	99Cr
Deferred Tax Assets Long-Term (Collected)	41Cr	100.57Cr	142.16Cr	93Cr	116.07Cr
Other Long-Term Assets, Total	145.02Cr	240.85Cr	338.12Cr	690.46Cr	766.02Cr
Total Assets	42TCr	52TCr	69TCr	90TCr	1,09400Cr
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	-	-	-	-	-
Interest Bearing Deposits	25TCr	34TCr	50TCr	66TCr	82TCr
Non-Interest Bearing Deposits	1.11TCr	1.63TCr	2.57TCr	3.68TCr	5.34TCr
Total Deposits	26TCr	36TCr	53TCr	69TCr	87TCr
Short-Term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	5.03TCr	4.43TCr	2.49TCr	2.52TCr	2.1TCr
Long-Term Debt	5.31TCr	2.6TCr	3.5TCr	3.78TCr	3.38TCr
Current Income Taxes Payable	14Cr	20Cr	1.31Cr	19Cr	18Cr
Accrued Interest Payable	317.28Cr	333.88Cr	250.55Cr	366.78Cr	495.6Cr
Other Current Liabilities - (Bank / Utility Template)	29Cr	97Cr	188.47Cr	192.77Cr	196.62Cr
Pension & Other Post Retirement Benefits	-	-	-	-	-
Other Non Current Liabilities	906.14Cr	1.86TCr	2.55TCr	3TCr	3.49TCr
Total Liabilities	38TCr	45TCr	62TCr	79TCr	97TCr
Common Stock, Total	304.12Cr	312.21Cr	314.9Cr	666.74Cr	669.16Cr
Additional Paid In Capital	1.26TCr	1.93TCr	2.09TCr	3.81TCr	3.9TCr
Retained Earnings	2.75TCr	3.9TCr	5.01TCr	6.4TCr	7.86TCr
Comprehensive Income and Other	62Cr	141.68Cr	98Cr	103.63Cr	129.65Cr
Total Common Equity	4.38TCr	6.28TCr	7.51TCr	11TCr	13TCr
Minority Interest	-	-	-	-	-
Total Equity	4.38TCr	6.28TCr	7.51TCr	11TCr	13TCr
Total Liabilities And Equity	42TCr	52TCr	69TCr	90TCr	1,09400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	61Cr	62Cr	63Cr	67Cr	67Cr
ECS Total Common Shares Outstanding	61Cr	62Cr	63Cr	67Cr	67Cr
Book Value / Share	71.96	100.5	119.31	164.64	187.69
Tangible Book Value	4.38TCr	6.28TCr	7.51TCr	11TCr	13TCr
Tangible Book Value Per Share	71.96	100.5	119.31	164.64	187.69
Total Debt	10TCr	7.03TCr	5.99TCr	6.3TCr	5.48TCr
Deposits at Interest - Cash	2.3TCr	3.12TCr	3.31TCr	5.69TCr	1.94TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	17Cr	13Cr	9.54Cr	5.69Cr	21Cr
Net Debt	7.69TCr	3.4TCr	2.08TCr	5.26TCr	3.21TCr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	17.11T	22.48T	27.82T	28.32T	29.74T
Number Of Offices	419	552	692	474	629

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	674.78Cr	1.17TCr	1.13TCr	1.43TCr	1.53TCr
Depreciation, Depletion & Amortization	89Cr	104.37Cr	140.17Cr	185.42Cr	225.44Cr
Total Depreciation, Depletion & Amortization	89Cr	104.37Cr	140.17Cr	185.42Cr	225.44Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	1.11Cr	93.04L	63.66L	66.31L	1.4Cr
(Gain) Loss on Sale of Investments - (CF)	24Cr	36Cr	77Cr	92Cr	96Cr
Provision for Credit Losses	231.39Cr	568.29Cr	360.5Cr	174.32Cr	422.06Cr
Stock-Based Compensation (CF)	24Cr	77Cr	18Cr	21Cr	30Cr
Change in Accounts Payable	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-7.11TCr	-6.68TCr	-11TCr	-13TCr	-18TCr
Other Operating Activities	-11Cr	-35Cr	-51Cr	41Cr	-7.88Cr
Cash from Operations	-6.08TCr	-4.76TCr	-9.76TCr	-11TCr	-15TCr
Capital Expenditure	-92Cr	-141.23Cr	-282.49Cr	-305.94Cr	-346.42Cr
Sale of Property, Plant, and Equipment	1.5Cr	1.56Cr	1.48Cr	2.29Cr	8.12Cr
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-1.18TCr	-850.08Cr	-4.47TCr	-4.02TCr	-4.52TCr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-1.27TCr	-989.74Cr	-4.75TCr	-4.32TCr	-4.85TCr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	1.72TCr	-	-	307.87Cr	-
Total Debt Issued	1.72TCr	-	-	307.87Cr	-
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	545.72Cr	657.98Cr	90Cr	2.07TCr	84Cr
Common Dividends Paid	-26Cr	-	-	-32Cr	-67Cr
Common & Preferred Stock Dividends Paid	-26Cr	-	-	-32Cr	-67Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	6.74TCr	9.82TCr	17TCr	17TCr	18TCr
Other Financing Activities, Total	-3.88Cr	-7.05Cr	-	-23Cr	-
Cash from Financing	8.98TCr	7.16TCr	16TCr	19TCr	17TCr
Net Change in Cash	1.63TCr	1.41TCr	1.15TCr	3.5TCr	-3.05TCr
Supplemental Items
Cash Interest Paid	1.61Cr	5.95Cr	7.14Cr	9.36Cr	9.21Cr
Cash Income Tax Paid (Refund)	268.92Cr	314.33Cr	384.86Cr	369.93Cr	488.43Cr
Net Debt Issued / Repaid	1.72TCr	-3.31TCr	-1.04TCr	307.87Cr	-819.28Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.8	2.5	1.87	1.79	1.54
Return On Equity %	17.9	21.98	16.39	15.44	13.04
Return on Common Equity	17.9	21.98	16.39	15.44	13.04
Shareholders Value Added	222.4Cr	531.56Cr	302.48Cr	318.44Cr	122.51Cr
Margin Analysis
SG&A Margin	54.01	46.66	56.89	59.21	59.97
Net Interest Income / Total Revenues %	81.86	75.89	83.64	83.42	79.78
EBT Excl. Non-Recurring Items Margin %	39.2	46.79	37.6	35.15	30.93
Income From Continuing Operations Margin %	28.94	37.56	29.22	26.92	23.74
Net Income Margin %	28.94	37.56	29.22	26.92	23.74
Net Avail. For Common Margin %	28.94	37.56	29.22	26.92	23.74
Normalized Net Income Margin	24.5	29.25	23.5	21.97	19.33
Asset quality
Nonperforming Loans / Total Loans %	1.7	4.34	2.01	1.68	1.69
Nonperforming Loans / Total Assets %	1.09	2.91	1.34	1.09	1.13
Nonperforming Assets / Total Assets %	1.09	2.91	1.34	1.09	1.13
NPAs / Loans and OREO	1.7	4.34	2.01	1.68	1.69
NPAs / Equity	10.46	23.95	12.3	8.94	9.85
Provision for Loan Losses / Net Charge-offs %	546.72	530.87	194.05	88.14	158.06
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.08	11.36	11.43	11.61	11.79
Total Average Equity / Total Average Assets %	10.08	11.36	11.43	11.61	11.79
Total Equity + Allowance for Loan Losses / Total Loans %	16.21	18.13	16.3	18.79	17.17
Gross Loans / Total Deposits %	103.17	96.19	87.66	84.22	83.92
Net Loans / Total Deposits %	103.17	96.19	87.66	84.22	83.92
Tier 1 Capital Ratio %	18.36	21.53	19.69	21.78	18.8
Total Capital Ratio %	21.99	23.37	20.99	23.59	20.06
Core Tier 1 Capital Ratio	18.36	21.53	19.69	21.78	18.8
Tier 2 Capital Ratio	3.63	1.84	1.3	1.81	1.26
Interbank Ratio	39.07	62.01	51.6	7.44	22.84
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.38	1.56	1.54	1.49	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	42.18	23.91	36.72	36.83	16.54
Non Interest Income, 1 Yr. Growth %	52.86	105.57	-30.07	4.1	68.77
Provision For Loan Losses, 1 Yr. Growth %	99.75	147.2	-46.08	-57.11	183.37
Total Revenues, 1 Yr. Growth %	40.24	33.67	24.06	37.19	21.85
Earnings From Cont. Operations, 1 Yr. Growth %	76.73	73.49	-3.49	26.38	7.48
Net Income, 1 Yr. Growth %	76.73	73.49	-3.49	26.38	7.48
Normalized Net Income, 1 Yr. Growth %	57.55	59.58	-0.3	28.24	7.23
Diluted EPS Before Extra, 1 Yr. Growth %	73.02	69.62	-5.73	21.79	5.15
Dividend Per Share, 1 Yr. Growth %	-	-	-	100	0
Gross Loans, 1 Yr. Growth %	18.29	28.22	33.19	26.74	25.23
Net Loans, 1 Yr. Growth %	18.29	28.22	33.19	26.74	25.23
Non Performing Loans, 1 Yr. Growth %	-2.63	228.29	-38.49	6.16	26.1
Non Performing Assets, 1 Yr. Growth %	-2.63	228.29	-38.49	6.16	26.1
Total Assets, 1 Yr. Growth %	29.18	22.42	33.89	30.6	21.29
Total Deposits, 1 Yr Growth %	34.71	37.51	46.15	31.91	25.69
Tangible Book Value, 1 Yr. Growth %	38.38	43.37	19.74	46.09	14.41
Common Equity, 1 Yr. Growth %	38.38	43.37	19.74	46.09	14.41
Total Equity, 1 Yr. Growth %	38.38	43.37	19.74	46.09	14.41
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	42.47	32.73	30.16	36.78	26.28
Non Interest Income, 2 Yr. CAGR %	34.89	77.27	18.63	-14.68	32.55
Provision For Loan Losses, 2 Yr. CAGR %	46.16	122.21	12.9	-51.91	10.25
Total Revenues, 2 Yr. CAGR %	39.63	36.92	28.77	30.46	29.29
Earnings From Cont. Operations, 2 Yr. CAGR %	52.01	75.1	29.4	10.44	16.55
Net Income, 2 Yr. CAGR %	52.01	75.1	29.4	10.44	16.55
Normalized Net Income, 2 Yr. CAGR %	43.58	58.56	26.13	13.07	17.26
Diluted EPS Before Extra, 2 Yr. CAGR %	49.4	71.32	26.45	7.17	13.17
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	41.42
Gross Loans, 2 Yr. CAGR %	42.4	23.15	30.68	29.92	25.98
Net Loans, 2 Yr. CAGR %	42.4	23.15	30.68	29.92	25.98
Non Performing Loans, 2 Yr. CAGR %	30.27	78.79	42.1	-19.19	15.7
Non Performing Assets, 2 Yr. CAGR %	30.27	78.79	42.1	-19.19	15.7
Total Assets, 2 Yr. CAGR %	49.59	25.76	28.03	32.24	25.86
Total Deposits, 2 Yr CAGR %	81.72	36.11	41.77	38.85	28.76
Tangible Book Value, 2 Yr. CAGR %	38.52	40.86	31.03	32.26	29.29
Common Equity, 2 Yr. CAGR %	38.52	40.86	31.03	32.26	29.29
Total Equity, 2 Yr. CAGR %	38.52	40.86	31.03	32.26	29.29
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	36.29	36	34.05	32.35	29.67
Non Interest Income, 3 Yr. CAGR %	63.8	55.23	29.09	13.58	7.11
Provision For Loan Losses, 3 Yr. CAGR %	61.25	74.14	36.55	-18.23	-13.14
Total Revenues, 3 Yr. CAGR %	40.15	37.62	32.49	31.52	27.53
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.97	58.85	43.57	28.38	9.45
Net Income, 3 Yr. CAGR %	-3.97	58.85	43.57	28.38	9.45
Normalized Net Income, 3 Yr. CAGR %	23.31	48.73	35.84	26.83	11.09
Diluted EPS Before Extra, 3 Yr. CAGR %	-6.66	55.86	40.38	24.89	6.49
Dividend Per Share, 3 Yr. CAGR %	-	-	10.06	-	-
Gross Loans, 3 Yr. CAGR %	59.96	37.5	26.41	29.35	28.34
Net Loans, 3 Yr. CAGR %	59.96	37.5	26.41	29.35	28.34
Non Performing Loans, 3 Yr. CAGR %	53.66	77.28	25.28	28.94	-6.27
Non Performing Assets, 3 Yr. CAGR %	53.66	77.28	25.28	28.94	-6.27
Total Assets, 3 Yr. CAGR %	62.55	39.92	28.41	28.88	28.48
Total Deposits, 3 Yr CAGR %	-	65.6	39.38	38.4	34.32
Tangible Book Value, 3 Yr. CAGR %	31.93	40.12	33.43	35.87	26.02
Common Equity, 3 Yr. CAGR %	30.1	40.12	33.43	35.87	26.02
Total Equity, 3 Yr. CAGR %	30.1	40.12	33.43	35.87	26.02
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	35.73	29.99	33.81	36.31	30.89
Non Interest Income, 5 Yr. CAGR %	60.06	76.54	43.97	21.66	30.46
Provision For Loan Losses, 5 Yr. CAGR %	35.09	70.57	39.82	3.15	25.35
Total Revenues, 5 Yr. CAGR %	40.98	35.85	35.48	34.71	31.2
Earnings From Cont. Operations, 5 Yr. CAGR %	32.85	36.56	8.2	37.36	32.08
Net Income, 5 Yr. CAGR %	32.85	36.56	8.2	37.36	32.08
Normalized Net Income, 5 Yr. CAGR %	30.46	31.23	24.43	33.28	28.08
Diluted EPS Before Extra, 5 Yr. CAGR %	29.17	32.53	5.39	34.17	28.8
Dividend Per Share, 5 Yr. CAGR %	-	-	-	31.95	21.67
Gross Loans, 5 Yr. CAGR %	43.56	36.64	47.53	34.42	26.24
Net Loans, 5 Yr. CAGR %	43.56	36.64	47.53	34.42	26.24
Non Performing Loans, 5 Yr. CAGR %	50.09	77.42	48.93	29.47	21.35
Non Performing Assets, 5 Yr. CAGR %	50.09	77.42	48.93	29.47	21.35
Total Assets, 5 Yr. CAGR %	54.27	45.42	47.75	36.8	27.39
Total Deposits, 5 Yr CAGR %	-	-	-	54.33	35.03
Tangible Book Value, 5 Yr. CAGR %	39.26	42.6	31.57	36.92	31.76
Common Equity, 5 Yr. CAGR %	39.2	42.54	30.47	36.92	31.76
Total Equity, 5 Yr. CAGR %	39.2	42.42	30.47	36.92	31.76