AU Small Finance Bank Ltd

Total income surged 49.27% to Rs 5,031.26 crore in Q4 FY25, compared with Rs 3,370.51 crore posted in Q4 FY24. Profit before tax was at Rs 657.14 crore in the fourth quarter of FY25, registering a growth of 44.47% year-on-year. Net interest income (NII) stood at Rs 2,094 crore in Q4 FY25, up 57% YoY. Net interest margin (NIM) stood at 5.8% in Q4 FY25, compared to 5.1% in Q4 FY24. The bank's pre-provisioning operating profit (PPoP) for Q4 FY25 grew 99% YoY to Rs 1,292 crore, compared to Rs 650 crore in Q4 FY24. The bank's total deposits increased 42.53% YoY to Rs 1,24,269 crore in Q4 FY25. CASA deposits increased by 24.46% YoY to Rs 36,253 crore in Q4 FY25, compared to Rs 29,126 crore in Q4 FY24; CASA ratio was at 29%. On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 2,477.02 crore as on 31 March 2025 as against Rs 1,237.40 crore as on 31 March 2024. The bank's net non-performing assets (NPAs) stood at Rs 791.34 crore as on 31 March 2025 as against Rs 400.98 crore as on 31 March 2024. The ratio of net NPA to gross advances stood at 2.28% as on 31 March 2025 as against 1.67% as on 31 March 2024. The ratio of net NPA to net advances stood at 0.74% as on 31 March 2025 as against 0.55% as on 31 March 2024. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said, 'We are coming out of a tough macroeconomic environment marked by persistent inflation, tight liquidity, a challenging credit environment, and lower-than-expected GDP growth. As we enter FY26, the economic outlook remains uncertain, driven largely by global factors such as tariff war and geopolitical developments. However, India is comparatively well-positioned, with both the Central Government and the RBI implementing supportive measures including tax rationalization, interest rate cuts, and the injection of durable liquidity into the banking system. Against this backdrop, we have delivered a strong performance with higher than sectoral growth in both deposits and advances. We made meaningful progress on productivity and efficiency, which enabled us to deliver stronger profitability'even amid a credit cycle in unsecured businesses of microfinance and credit cards. As we celebrate 30 years of AU and 8 years of our banking journey, we remain focused on building an institution that can truly scale with sustainability. I want to express my sincere gratitude to all stakeholders for their continued trust and support. We remain committed to driving financial inclusion, empowering individuals and businesses, and contributing towards strengthening India's economic resilience and advancing sustainable growth'. Meanwhile, the board of directors has recommended a dividend of Rs 1 per equity share of Rs 10 each for the financial year ended 31 March 2025, subject to approval of shareholders at the ensuing annual general meeting (AGM) of the bank. The dividend on equity shares will be paid after the same is approved by the shareholders at the ensuing AGM of the bank. AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services. Powered by Capital Market - Live

AU Small Finance Bank announced that the Board of Directors of the Company at its meeting held on 22 April 2025, inter alia, have recommended the final dividend of Rs 1 per equity Share (i.e. 10%) , subject to the approval of the shareholders.Powered by Capital Market - Live

Total income surged 49.27% to Rs 5,031.26 crore in Q4 FY25, compared with Rs 3,370.51 crore posted in Q4 FY24. Profit before tax was at Rs 657.14 crore in the fourth quarter of FY25, registering a growth of 44.47% year-on-year. Net interest income (NII) stood at Rs 2,094 crore in Q4 FY25, up 57% YoY. Net interest margin (NIM) stood at 5.8% in Q4 FY25, compared to 5.1% in Q4 FY24. The bank's pre-provisioning operating profit (PPoP) for Q4 FY25 grew 99% YoY to Rs 1,292 crore, compared to Rs 650 crore in Q4 FY24. The bank's total deposits increased 42.53% YoY to Rs 1,24,269 crore in Q4 FY25. CASA deposits increased by 24.46% YoY to Rs 36,253 crore in Q4 FY25, compared to Rs 29,126 crore in Q4 FY24; the CASA ratio was at 29%. On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 2,477.02 crore as on 31 March 2025, as against Rs 1,237.40 crore as on 31 March 2024. The bank's net non-performing assets (NPAs) stood at Rs 791.34 crore as on 31 March 2025, as against Rs 400.98 crore as on 31 March 2024. The ratio of net NPA to gross advances stood at 2.28% as on 31 March 2025, as against 1.67% as on 31 March 2024. The ratio of net NPA to net advances stood at 0.74% as on 31 March 2025, as against 0.55% as on 31 March 2024. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank, said, 'We are coming out of a tough macroeconomic environment marked by persistent inflation, tight liquidity, a challenging credit environment, and lower-than-expected GDP growth. As we enter FY26, the economic outlook remains uncertain, driven largely by global factors such as tariff wars and geopolitical developments. However, India is comparatively well-positioned, with both the central government and the RBI implementing supportive measures, including tax rationalization, interest rate cuts, and the injection of durable liquidity into the banking system. Against this backdrop, we have delivered a strong performance with higher than sectoral growth in both deposits and advances. We made meaningful progress on productivity and efficiency, which enabled us to deliver stronger profitability'even amid a credit cycle in unsecured businesses of microfinance and credit cards. As we celebrate 30 years of AU and 8 years of our banking journey, we remain focused on building an institution that can truly scale with sustainability. I want to express my sincere gratitude to all stakeholders for their continued trust and support. We remain committed to driving financial inclusion, empowering individuals and businesses, and contributing towards strengthening India's economic resilience and advancing sustainable growth.' Meanwhile, the board of directors has recommended a dividend of Rs 1 per equity share of Rs 10 each for the financial year ended 31 March 2025, subject to approval of shareholders at the ensuing annual general meeting (AGM) of the bank. The dividend on equity shares will be paid after the same is approved by the shareholders at the ensuing AGM of the bank. AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services. Shares of AU Small Finance Bank declined 1.59% to end at Rs 617 on the BSE. Powered by Capital Market - Live

Net profit of AU Small Finance Bank rose 35.86% to Rs 503.70 crore in the quarter ended March 2025 as against Rs 370.74 crore during the previous quarter ended March 2024. Total Operating Income rose 50.93% to Rs 4270.60 crore in the quarter ended March 2025 as against Rs 2829.50 crore during the previous quarter ended March 2024. For the full year,net profit rose 37.22% to Rs 2105.93 crore in the year ended March 2025 as against Rs 1534.72 crore during the previous year ended March 2024. Total Operating Income rose 52.19% to Rs 16063.73 crore in the year ended March 2025 as against Rs 10554.71 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income4270.602829.50 51 16063.7310554.71 52 OPM %48.5452.42 -51.7654.73 - PBDT657.15531.64 24 2788.062076.23 34 PBT657.15531.64 24 2788.062076.23 34 NP503.70370.74 36 2105.931534.72 37 Powered by Capital Market - Live

AU Small Finance Bank will hold a meeting of the Board of Directors of the Company on 22 April 2025.Powered by Capital Market - Live

AU Small Finance Bank announced that CRISIL Ratings has re-affirmed rating of CRISIL AA; Stable (Double A; Outlook: Stable) to the Long-Term Debt Instruments (Tier-II Bonds) of the Bank. The rating on Short-term Instruments (Certificate of Deposits) and Fixed Deposit of the Bank has been reaffirmed at CRISIL A1+ (A One Plus) and CRISIL AA+/Stable respectively.Powered by Capital Market - Live

The headline equity benchmarks traded with modest losses in the early-afternoon trade after the US president announced a tariff rate of 26% on imports into the US from India. The Nifty traded below the 23,300 level. Auto shares declined after advancing in the past trading session. At 12:30 IST, the barometer index, the S&P BSE Sensex, declined 306.04 points or 0.40% to 76,305.49. The Nifty 50 index fell 72.65 points or 0.31% to 23,259.70. In the broader market, the S&P BSE Mid-Cap index shed 0.13% and the S&P BSE Small-Cap index added 0.39%. The market breadth was strong. On the BSE, 2,560 shares rose and 1,191 shares fell. A total of 182 shares were unchanged. Trump's Tariff Shock: US President Donald Trump has announced a sweeping set of reciprocal tariffs, aiming to counter what he calls unfair trade practices. A 10% baseline tariff will be imposed on all imports starting April 5, impacting the United Kingdom, Singapore, Brazil, Australia, New Zealand, Turkey, Colombia, Argentina, El Salvador, United Arab Emirates, and Saudi Arabia. However, around 60 countries deemed worst offenders - those that impose higher tariffs on US goods or create trade barriers'will face significantly steeper tariffs beginning April 9. These include China (54%), the European Union (20%), Vietnam (46%), Thailand (36%), Japan (24%), Cambodia (49%), South Africa (30%), and Taiwan (32%). While Canada and Mexico are exempt from these new tariffs, they remain subject to previous trade measures tied to border security and fentanyl-related concerns. Additionally, Trump has also announced a 25% tariff on all foreign-made automobiles, set to take effect at midnight on April 3. Importantly, no new reciprocal tariffs were announced for the pharmaceutical sector. According to a White House fact sheet, drugs and certain other products'some of which are already subject to existing tariffs'will not be affected by the latest levies. However, Trump has hinted that future tariffs on pharmaceuticals, semiconductors, and other sectors may be unveiled at a later date. Derivatives: The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, declined 1.65% to 13.50. The Nifty 24 April 2025 futures were trading at 23,375.15 at a premium of 115.45 points as compared with the spot at 23,259.70. The Nifty option chain for the 24 April 2025 expiry showed a maximum call OI of 43.7 lakh contracts at the 23,500 strike price. Maximum put OI of 46.4 lakh contracts was seen at 23,500 strike price. Buzzing Index: The Nifty Auto index declined 0.65% to 21,269.50. The index rallied 0.82% in the past trading session. Balkrishna Industries (down 2.55%), Samvardhana Motherson International (down 2.28%), Bharat Forge (down 2.25%), Bajaj Auto (down 2.23%), Tata Motors (down 1.61%), Tube Investments of India (down 0.98%), Hero MotoCorp (down 0.84%), TVS Motor Company (down 0.82%), Bosch (down 0.69%) and MRF (down 0.65%) declined. On the other hand, Maruti Suzuki India (up 0.62%), Eicher Motors (up 0.57%) and Exide Industries (up 0.13%) edged higher. Stocks in Spotlight: AU Small Finance Bank (SFB) rallied 3.45% after the bank's total deposits climbed 10.7% to Rs 1,24,270 crore as of 31st March 2025 as compared with Rs 1,12,260 crore as of 31st December 2024. Bharat Electronics (BEL) added 1.70% after the company has signed a contract with the Indian Air Force (IAF) valued at Rs 593.22 crore. Kirloskar Oil Engines gained 3.13% after the company announced that it has received a prestigious order worth Rs 270 crore from the Ministry of Defence, Government of India, represented by the Indian Navy. Powered by Capital Market - Live

CASA deposits increased 5.4% to Rs 36,250 crore as of 31st March 2025 as against Rs 34,402 crore as of 31st December 2024. CASA Ratio fell to 29.2% as of 31st March 2025 as against 30.6% as of 31st December 2024. Gross advances jumped 7.7% QoQ to Rs 1,08,780 crore as of 31st March 2025. Gross loan portfolio increased 6.2% QoQ to Rs 1,15,710 crore as of 31st March 2025. The year on year figures cannot be compared due to the merger of Fincare SFB with the bank, effective April 1, 2024 The company's total deposits stood at Rs 1,24,270 crore as of 31st March 2025 as against Rs 97,704 crore as of 1st April 2024. CASA deposits stood at Rs 36,250 crore as on 31st March 2025 as against Rs 31,456 crore as of 1st April 2024. AU Small Finance Bank (AU SFB/AU) is a scheduled commercial bank, a Fortune India 500 Company and the largest small finance bank in the country. The company's standalone net profit jumped 40.8% to Rs 528.45 crore in Q3 FY25 as compared with Rs 375.25 crore in Q3 FY24. Total income increased 48.9% YoY to Rs 4,731.89 crore in Q3 FY25.Powered by Capital Market - Live

AU Small Finance Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 558.95, up 1.62% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.18% on the day, quoting at 23701.25. The Sensex is at 78031.98, up 0.06%. AU Small Finance Bank Ltd has added around 0.4% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has added around 5.95% in last one month and is currently quoting at 51704.95, down 0.11% on the day. The volume in the stock stood at 26.69 lakh shares today, compared to the daily average of 30.16 lakh shares in last one month. The benchmark March futures contract for the stock is quoting at Rs 556.75, up 1.6% on the day. AU Small Finance Bank Ltd is down 0.72% in last one year as compared to a 7.71% gain in NIFTY and a 10.83% gain in the Nifty Bank index.The PE of the stock is 20.1 based on TTM earnings ending December 24.Powered by Capital Market - Live

AU Small Finance Bank Ltd is down for a fifth straight session today. The stock is quoting at Rs 501.3, down 1.16% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.17% on the day, quoting at 22432.95. The Sensex is at 73970.16, down 0.08%.AU Small Finance Bank Ltd has eased around 6.28% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has eased around 2% in last one month and is currently quoting at 48056.65, up 0.13% on the day. The volume in the stock stood at 18.24 lakh shares today, compared to the daily average of 33.84 lakh shares in last one month. The benchmark March futures contract for the stock is quoting at Rs 502.65, down 1.3% on the day. AU Small Finance Bank Ltd tumbled 14.15% in last one year as compared to a 1.29% rally in NIFTY and a 2.84% spurt in the Nifty Bank index.The PE of the stock is 18.54 based on TTM earnings ending December 24.Powered by Capital Market - Live