AU Small Finance Bank Limited — Updates, 24-01-2025: Press Release

Profit for AU Small Finance Bank saw significant growth, with a 41% rise year-over-year to ₹528 Crore for Q3’FY25, and a 38% increase to ₹1,602 Crore for the nine months ended December 31, 2024. Net Interest Income (NII) surged by 53% YoY to ₹2,023 Crore for Q3, driven by increased lending activity, while operating profit (PPoP) spiked 85% YoY to ₹1,205 Crore. The bank also improved its Net Interest Margin (NIM) to 5.9%.

Key metrics reflect strong performance: total deposits reached ₹1,12,260 Crore (+14.9% YTD); gross loan portfolio rose to ₹1,08,921 Crore (+12.9% YTD), with an enhanced asset quality emerging as GNPA and NNPA ratios stood at 2.31% and 0.91%, respectively. The bank effectively managed costs with a cost to income ratio down to 54.4%.

For investors, the positive outlook is supported by ongoing initiatives and solid growth metrics. The bank maintains a robust customer base of over 1.1 Crore, backed by a strong capital adequacy ratio and proactive management strategies in a competitive environment. Watch closely for further updates as the bank seeks to navigate market challenges and bolster its growth trajectory.