AU Small Finance Bank Limited — Investor Meet, 29-04-2025: Analysts/Institutional Investor Meet/Con. Call Updates

AU Small Finance Bank held a conference call to discuss financial results for Q4 FY25, highlighting a 20% YoY growth in the loan book to ₹115,000 Cr and a 27% increase in deposits to ₹124,000 Cr. PAT reached ₹2,106 Cr with an ROA of 1.5%. Challenges in credit costs, particularly in microfinance and credit cards, resulted in ₹150 Cr in provisions. Management noted strong growth in retail secured assets and positive trends in recovery and asset quality. Looking ahead, expectations for continued growth amid improving macro conditions reflect a cautious but optimistic outlook. The sentiment remains confident in executing strategic growth plans.