AU SMALL FINANCE BANK
Quarterly Results Analysis [Dec2023]
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 & Returns | 1W | 1M | 1Y |
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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