Stock Report

AU Small Finance Bank Ltd Q1 FY2024-25 net profit climbs to Rs. 502.57 crores

Posted On : 2024-07-25 20:13:34( TIMEZONE : IST )

AU Small Finance Bank Limited has reported Standalone financial results for the period ended June 30, 2024.

Financial Results (Q1 FY2025) - QoQ Comparison

The company has reported total income of Rs. 4314.6995 crores during the period ended June 30, 2024 as compared to Rs. 3385.1188 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs. 502.5712 crores for the period ended June 30, 2024 as against net profit / (loss) of Rs. 370.7399 crores for the period ended March 31, 2024.

The company has reported EPS of Rs. 6.74 for the period ended June 30, 2024 as compared to Rs. 5.52 for the period ended March 31, 2024.

Financials	Q1 FY2025	Q4 FY2024	% Change
Total Income	₹ 4314.6995 crs	₹3385.1188 crs	27.46%
Net Profit	₹502.5712 crs	₹370.7399 crs	35.56%
EPS	₹6.74	₹5.52	22.10%

Financial Results (Q1 FY2025) - YoY Comparison

The company has reported total income of Rs. 4314.6995 crores during the period ended June 30, 2024 as compared to Rs.2773.4577 crores during the period ended June 30, 2023.

The company has posted net profit / (loss) of Rs.502.5712 crores for the period ended June 30, 2024 as against net profit / (loss) of Rs.386.8963 crores for the period ended June 30, 2023.

The company has reported EPS of Rs.6.74 for the period ended June 30, 2024 as compared to Rs.5.77 for the period ended June 30, 2023.

Financials	Q1 FY2025	Q1 FY2024	% Change
Total Income	₹ 4314.6995 crs	₹2773.4577 crs	55.57%
Net Profit	₹502.5712 crs	₹386.8963 crs	29.90%
EPS	₹6.74	₹5.77	16.81%

Asset Quality:

Asset Quality	Q1 FY2025	Q4 FY2024	Q1 FY2024
Gross NPA	₹1613.1778 crs	₹1237.4004 crs	₹1121.2276 crs
Gross NPA %	1.78%	1.67%	1.76%
Net NPA	₹562.5606 crs	₹400.9897 crs	₹347.1463 crs
Net NPA %	0.63%	0.55%	0.55%

Gross NPA was at ₹ 1613.1778 crs in Q1 FY2025 against ₹ 1121.2276 crs in Q1 FY2024. The same was at ₹ 1237.4004 crs in Q4 FY2024.

Net NPA was at ₹ 562.5606 crs in Q1 FY2025 against ₹ 347.1463 crs in Q1 FY2024. The same was at ₹ 400.9897 crs in Q4 FY2024.

GNPA was at 1.78% of Gross advances as on June 30, 2024 as compared to 1.76% as on June 30, 2023 and 1.67% as of March 31, 2024.

Net NPA was at 0.63% of Gross advances as on June 30, 2024 as compared to 0.55% as on June 30, 2023 and 0.55% as of March 31, 2024.

Ratios	Q1 FY2025	Q4 FY2024	Q1 FY2024
RoA %	0.40%	0.35%	0.43%
CAR (BASEL III) %	20.11%	20.06%	21.46%

Return on Average Assets (RoA) is at 0.40% for Q1 FY2025 against 0.35% in Q4 FY2024 and 0.43% in Q1 FY2024.

In Q1 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 20.11%, as compared to 20.06% in Q4 FY2024 and 21.46% in Q1 FY2024.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 659.85 as compared to the previous close of Rs. 656.30. The total number of shares traded during the day was 69064 in over 3310 trades.

The stock hit an intraday high of Rs. 663.00 and intraday low of 647.40. The net turnover during the day was Rs. 45363664.00.