Financials of AU Small Finance Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of AU Small Finance Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2,2752,4582,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,019
Interest1,0621,2121,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,437
Expenses +1,0161,0481,1221,2691,3461,7611,8541,9382,1972,0762,1282,1812,231
Financing Profit19719812756-916012185-104-3216160351
Financing Margin %9%8%5%2%-0%4%3%2%-2%-1%0%3%7%
Other Income +333315406442464509638618761811713724731
Depreciation0000000000000
Profit before tax5305135334984556697597036577797298841,082
Tax %20%25%25%25%18%25%25%25%23%25%23%24%23%
Net Profit +425387402375371503571528504581561668832
EPS in Rs6.375.806.015.615.546.767.687.106.777.797.528.9411.12
Gross NPA %1.66%1.76%1.91%1.98%1.67%1.78%1.98%2.31%2.28%2.47%2.41%2.30%2.03%
Net NPA %0.42%0.55%0.60%0.68%0.55%0.63%0.75%0.91%0.74%0.88%0.88%0.88%0.74%

Financials of AU Small Finance Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +7041,0101,2801,7672,9494,2864,9505,9228,20510,55516,06418,636
Interest2823954968271,6072,3772,5852,6883,7805,3988,0529,524
Expenses +2092894458321,1631,6122,2242,6343,4104,6297,4918,617
Financing Profit2123263391091802961426011,016528520496
Financing Margin %30%32%26%6%6%7%3%10%12%5%3%3%
Other Income +258103884627061,4219941,0341,6972,5262,978
Depreciation7965362891041401852252590
Profit before tax2083231,1434435809141,4581,4541,8651,9992,7883,474
Tax %33%34%28%34%34%26%20%22%23%23%24%24%
Net Profit +1402128222923826751,1711,1301,4281,5352,1062,641
EPS in Rs15.9023.9914.465.116.5311.0918.7517.9421.4222.9328.2935.30
Dividend Payout %0%0%0%5%6%0%0%3%5%4%4%0%

Financials of AU Small Finance Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4444284286292304312315667669745748
Reserves7679651,7031,9952,8714,0735,9637,19910,31111,89016,42218,984
Deposits07,92319,42226,16435,97952,58569,36587,182124,269152,661
Borrowing2,8784,7837,1207,6398,61310,3357,0305,9916,2995,47911,66013,872
Other Liabilities +3465026749891,4241,2672,3072,9883,5754,2054,7515,532
Total Liabilities4,0356,2949,78118,83332,62342,14351,59169,07890,216109,426157,846191,797
Fixed Assets +1924363804404384776097077848251,436
CWIP0024067105143367870
Investments1402322,1503,0517,16210,66810,81515,30620,07227,13337,84844,794
Other Assets +3,8776,0387,35515,39625,01431,02740,29453,14969,40481,441119,086145,567
Total Assets4,0356,2949,78118,83332,62342,14351,59169,07890,216109,426157,846191,797

Financials of AU Small Finance Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-747-1,938-2,4052,5058486605,0566,8495,4942,6085,4621,829
Cash from Investing Activity +-23-33552-1,890-2,305-1,267-990-4,753-4,320-4,855-4,780-5,090
Cash from Financing Activity +7821,9642,4485211,4362,237-2,655-9482,323-8022,4072,318
Net Cash Flow12-75961,136-211,6291,4121,1473,497-3,0493,090-943
Free Cash Flow-756-1,952-2,6622,3417245694,9166,5685,1902,2705,2051,027
CFO/OP-139%-254%-250%284%58%35%197%220%122%52%72%28%

Financials of AU Small Finance Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %19%23%55%14%14%18%22%16%15%13%14%14%