Any current/future capex/capital investment/strategic investment?

No capital raise is envisaged in the current financial year; the capital raise resolution mentioned is routine and enabling only (Page 21). The focus remains on building a strong deposit franchise and asset growth rather than raising fresh capital (Pages 20-21). The bank is currently concentrating on expanding its granular retail deposit base, improving product penetration, and integrating merged entities rather than deploying large capital expenditures (Pages 6-7). There is no specific mention of any planned strategic investments or major capex in the near term within the transcript provided.

Future growth expectations in sales/revenue/volumes?

AU Small Finance Bank expects to achieve around INR 25,000 crores of deposit growth over the next 9 months, supporting asset growth. The bank targets over 60,000 crore disbursements this year, with 20% already done in Q1, reflecting strong momentum. Disbursement yields are at 15.8%, about 250 basis points higher than last quarter, aiding margin sustainability. The full-year margin guidance is stable around 5.7% to 5.8%, with slight expected pressure due to deposit cost increases. Asset growth guidance is 25% for FY'25, backed by a current comfortable CD ratio of ~84% (excluding refinance asset

Future growth expectations in earnings/operating earnings/profits/EPS?

The bank aims to maintain a Return on Assets (ROA) of around 1.6%, with potential upside if cost of funds remains stable or declines. Asset growth targeted at 25% for FY'25, supported by strong deposit growth and a healthy CD ratio (~84%), enabling sustained lending expansion. Margins for FY'25 expected to be slightly better than FY'24, with full-year margins forecasted around 5.7%-5.8%, aided by improved yields and lower cost of funds initially. Increased focus on high-yield disbursements with first quarter yield at ~15.8%, driving improved asset-side profitability. Other income expec

AU Small Finance Bank LtdQ1 FY25Banks

AU Small Finance Bank Ltd Q1 FY25 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹987P/E: 26.8Market Cap: ₹76.4K CrSector: Banks

Management growth scorecard

Revenue

Category 3

Margin

Category 3

Fundraise

Order

N/A

Capex

N/A

0 of 3 growth signals are positive — mixed outlook.

Full analysis

Revenue guidance

Category 3

AU Small Finance Bank expects to achieve around INR 25,000 crores of deposit growth over the next 9 months, supporting asset growth.
The bank targets over 60,000 crore disbursements this year, with 20% already done in Q1, reflecting strong momentum.
Disbursement yields are at 15.8%, about 250 basis points higher than last quarter, aiding margin sustainability.
The full-year margin guidance is stable around 5.7% to 5.8%, with slight expected pressure due to deposit cost increases.
Asset growth guidance is 25% for FY'25, backed by a current comfortable CD ratio of ~84% (excluding refinance assets).
Growth focus is on building a strong retail deposit franchise, especially in urban areas and leveraging new universal bank status.
Credit card issuance is expected to normalize with around 5 lakh cards targeted for the full year.
Continued emphasis on cross-sell and other fees to grow non-interest income sustainably.

Margin guidance

Category 3

The bank aims to maintain a Return on Assets (ROA) of around 1.6%, with potential upside if cost of funds remains stable or declines.
Asset growth targeted at 25% for FY'25, supported by strong deposit growth and a healthy CD ratio (~84%), enabling sustained lending expansion.
Margins for FY'25 expected to be slightly better than FY'24, with full-year margins forecasted around 5.7%-5.8%, aided by improved yields and lower cost of funds initially.
Increased focus on high-yield disbursements with first quarter yield at ~15.8%, driving improved asset-side profitability.
Other income expected to grow through increased processing fees, insurance income, and wealth products over the next year.
Credit cost guidance remains comfortable at 1.10%-1.15% on a full-year basis, supporting stable earnings.
No significant capital raise planned for FY'25; internal growth through existing capital base is expected.

See what AU Small Finance Bank Ltd management said on margin guidance — free account, 30 seconds.

Fundraise plans

- The bank does not envisage any capital raise (equity) in the current financial year; the capital raise resolution mentioned is routine and enabling in nature. - No specific plans for equity fundraising are currently planned or anticipated. - On the debt/funding side, the bank plans to raise deposits to support asset growth; this is essential as cost of funds may increase by about 35-40 bps during FY'25. - The bank is focused on building a strong deposit franchise through retail CASA and term deposits to fuel growth, rather than relying on capital markets. - No explicit mention of new debt issuances or fundraisings beyond deposit mobilization was noted. In summary, no equity fundraising planned for FY'25; focus is on deposit mobilization and cost-managed funding growth.

Order book

The provided transcript from AU Small Finance Bank's Q1 FY25 earnings call does not mention any details about the bank's current or expected order book or pending orders. The discussion primarily revolves around financial metrics such as asset growth, deposit strategy, cost of funds, PSLC, and plans for universal banking license application. No information is provided regarding order books or pending orders.

See what AU Small Finance Bank Ltd management said on order book — free account, 30 seconds.

Capex plans

No capital raise is envisaged in the current financial year; the capital raise resolution mentioned is routine and enabling only (Page 21).
The focus remains on building a strong deposit franchise and asset growth rather than raising fresh capital (Pages 20-21).
The bank is currently concentrating on expanding its granular retail deposit base, improving product penetration, and integrating merged entities rather than deploying large capital expenditures (Pages 6-7).
There is no specific mention of any planned strategic investments or major capex in the near term within the transcript provided.
The key strategic focus includes upgrading digital platforms, launching new products, expanding distribution reach, and pursuing universal banking license application (Pages 3, 7, 21).
Overall, capital deployment appears focused on organic growth, technology, and branch expansion rather than large capital or strategic investments.

Track AU Small Finance Bank Ltd — get its next earnings analysis in your feed

How does AU Small Finance Bank Ltd rank vs peers in Banks?

Pro feature

ThisAU Small Finance Bank Ltd

Rev 3Mar 3

See where AU Small Finance Bank Ltd sits in BanksSee which companies these are, and every other name in the sector.Open rankings

How does AU Small Finance Bank Ltd rank in Banks?

Compare AU Small Finance Bank Ltd against every Banks company (Q1 FY25) on revenue, margins and earnings-call signals.

View Banks leaderboard →

What AU Small Finance Bank Ltd's management said in earlier quarters

Others in Banks this season

RBL Bank Ltd (Q2 FY25)
Q2 FY25 Net Interest Income (NII): ₹1,615 crore, up 9% YoY (Page 8, 60, 62) . Key concall takeaways from RBL Bank Ltd's Q2 FY25 earnings call — and how it…
IndusInd Bank Ltd (Q2 FY24)
Loans outstanding: ₹3,15,454 crores, up 21% YoY (Page 4 & 6) . Key concall takeaways from IndusInd Bank Ltd's Q2 FY24 earnings call — and how it ranks against…
IDBI Bank Ltd (Q1 FY22)
Net Interest Income (NII): ₹2,506 crore, up 41% YoY . Key concall takeaways from IDBI Bank Ltd's Q1 FY22 earnings call — and how it ranks against sector peers.
IDBI Bank Ltd (Q2 FY22)
4,154 crore (↓11% YoY) . Key concall takeaways from IDBI Bank Ltd's Q2 FY22 earnings call — and how it ranks against sector peers.

Compare:vs HDFC Bank Ltd vs ICICI Bank Ltd vs SBI

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

AU Small Finance Bank Ltd Q1 FY25 Earnings Call Analysis

Revenue guidance

Fundraise plans

Capex plans

How does AU Small Finance Bank Ltd rank in Banks?

Continue your research

What AU Small Finance Bank Ltd's management said in earlier quarters

Others in Banks this season