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AU SMALL FINANCE BANK
Quarterly Results Analysis [Dec2023]

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AU SMALL FINANCE BANK Quarterly Results

Standalone Dec2023
UnAudited
Sep2023
Audited
Jun2023
UnAudited
Mar2023
UnAudited
Dec2022
UnAudited
Sep2022
UnAudited
Jun2022
UnAudited
Mar2022
Audited
Interest Earned ₹2,736 Cr ₹2,531 Cr ₹2,458 Cr ₹2,275 Cr ₹2,118 Cr ₹1,992 Cr ₹1,820 Cr ₹1,667 Cr
Other Income ₹450 Cr ₹425 Cr ₹315 Cr ₹333 Cr ₹295 Cr ₹247 Cr ₹159 Cr ₹311 Cr
Interest Expended ₹1,411 Cr ₹1,282 Cr ₹1,212 Cr ₹1,062 Cr ₹965 Cr ₹909 Cr ₹844 Cr ₹730 Cr
Expenses ₹1,117 Cr ₹1,027 Cr ₹1,015 Cr ₹975 Cr ₹892 Cr ₹832 Cr ₹741 Cr ₹766 Cr
Operating Income ₹657 Cr ₹648 Cr ₹546 Cr ₹571 Cr ₹556 Cr ₹499 Cr ₹394 Cr ₹482 Cr
Provisions and contingencies ₹159 Cr ₹114 Cr ₹33 Cr ₹41 Cr ₹33 Cr ₹43 Cr ₹38 Cr ₹93 Cr
Profit Before Tax ₹498 Cr ₹533 Cr ₹513 Cr ₹530 Cr ₹523 Cr ₹456 Cr ₹356 Cr ₹389 Cr
Profit After Tax ₹375 Cr ₹402 Cr ₹387 Cr ₹425 Cr ₹393 Cr ₹343 Cr ₹268 Cr ₹346 Cr
% of Net NPAs 0.68 0.60 0.55 0.42 0.51 0.56 0.56 0.50
% of Gross NPAs 1.98 1.91 1.76 1.66 1.81 1.90 1.96 1.98
EPS ₹5.61 ₹6.01 ₹5.80 ₹6.37 ₹5.89 ₹5.15 ₹4.25 ₹5.49
Industry Peers & Returns1W1M1Y
AU SMALL FINANCE BANK 0.5% -6.2% -2.7%
HDFC BANK -1.5% 0.4% -8.6%
ICICI BANK NA 2.2% 27.9%
KOTAK MAHINDRA BANK 0.4% 1.8% 3.9%
AXIS BANK -0.8% -5.2% 20.9%
INDUSIND BANK 5.9% 2.6% 47.7%
IDBI BANK -0.3% -11.8% 73.6%
YES BANK 2.5% -10.3% 56.4%
IDFC FIRST BANK 1.4% -6.2% 40.1%

AU SMALL FINANCE BANK Quarterly Net Interest Income

[ Net Interest Income = Interest Earned - Interest Expended ]
Net Interest Income
Q-o-Q

6.08 %

Y-o-Y

14.93 %

Quarters Net Interest Income % Change
Dec2023 ₹1,325 Cr
6.08
Sep2023 ₹1,249 Cr
0.22
Jun2023 ₹1,246 Cr
2.72
Mar2023 ₹1,213 Cr
5.25
Dec2022 ₹1,153 Cr
6.41
Sep2022 ₹1,083 Cr
11.00
Jun2022 ₹976 Cr
4.21
Mar2022 ₹937 Cr -

AU SMALL FINANCE BANK Quarterly Operating Profit

Operating Profit
Q-o-Q

1.45 %

Y-o-Y

18.24 %

Quarters Operating Profit % Change
Dec2023 ₹657 Cr
1.45
Sep2023 ₹648 Cr
18.62
Jun2023 ₹546 Cr
-4.36
Mar2023 ₹571 Cr
2.74
Dec2022 ₹556 Cr
11.41
Sep2022 ₹499 Cr
26.57
Jun2022 ₹394 Cr
-18.30
Mar2022 ₹482 Cr -
Operating Margins
Q-o-Q

-4.36 %

Y-o-Y

2.88 %

Quarters Operating Margin% % Change
Dec2023 49.6%
-4.36
Sep2023 51.86%
18.35
Jun2023 43.82%
-6.88
Mar2023 47.06%
-2.39
Dec2022 48.21%
4.71
Sep2022 46.04%
14.02
Jun2022 40.38%
-21.59
Mar2022 51.5% -

AU SMALL FINANCE BANK Quarterly Profit After Tax

Profit After Tax(PAT)
Q-o-Q

-6.62 %

Y-o-Y

-4.48 %

Quarters Profit After Tax % Change
Dec2023 ₹375 Cr
-6.62
Sep2023 ₹402 Cr
3.86
Jun2023 ₹387 Cr
-8.89
Mar2023 ₹425 Cr
8.10
Dec2022 ₹393 Cr
14.66
Sep2022 ₹343 Cr
27.90
Jun2022 ₹268 Cr
-22.60
Mar2022 ₹346 Cr -
PAT Margins
Q-o-Q

-13.60 %

Y-o-Y

-26.04 %

Quarters PAT Margin(%) % Change
Dec2023 13.72 %
-13.60
Sep2023 15.88 %
0.89
Jun2023 15.74 %
-15.69
Mar2023 18.67 %
0.65
Dec2022 18.55 %
7.85
Sep2022 17.2 %
16.85
Jun2022 14.72 %
-29.09
Mar2022 20.76 % -

AU SMALL FINANCE BANK Quarterly Earnings Per Share (EPS)

EPS
Q-o-Q

-6.66 %

Y-o-Y

-4.75 %

Quarters EPS % Change
Dec2023 ₹5.61
-6.66
Sep2023 ₹6.01
3.62
Jun2023 ₹5.8
-8.95
Mar2023 ₹6.37
8.15
Dec2022 ₹5.89
14.37
Sep2022 ₹5.15
21.18
Jun2022 ₹4.25
-22.59
Mar2022 ₹5.49 -

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