Stock Report

AU Small Finance Bank Ltd Q2 FY2024-25 net profit rises to Rs. 571.21 crores

Posted On : 2024-10-23 23:57:53( TIMEZONE : IST )

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

Financial Results (Q2 FY2025) - QoQ Comparison

The company has reported total income of Rs. 4548.5769 crores during the period ended September 30, 2024 as compared to Rs. 4278.3128 crores during the period ended June 30, 2024.

The company has posted net profit / (loss) of Rs. 571.2104 crores for the period ended September 30, 2024 as against net profit / (loss) of Rs. 502.5712 crores for the period ended June 30, 2024.

The company has reported EPS of Rs. 7.65 for the period ended September 30, 2024 as compared to Rs. 6.74 for the period ended June 30, 2024.

Financials	Q2 FY2025	Q1 FY2025	% Change
Total Income	₹4548.5769 crs	₹4278.3128 crs	6.32%
Net Profit	₹571.2104 crs	₹502.5712 crs	13.66%
EPS	₹7.65	₹6.74	13.50%

Financial Results (Q2 FY2025) - YoY Comparison

The company has reported total income of Rs.4548.5769 crores during the period ended September 30, 2024 as compared to Rs.2937.4768 crores during the period ended September 30, 2023.

The company has posted net profit / (loss) of Rs.571.2104 crores for the period ended September 30, 2024 as against net profit / (loss) of Rs.401.8349 crores for the period ended September 30, 2023.

The company has reported EPS of Rs.7.65 for the period ended September 30, 2024 as compared to Rs.5.98 for the period ended September 30, 2023.

Financials	Q2 FY2025	Q2 FY2024	% Change
Total Income	₹4548.5769 crs	₹2937.4768 crs	54.85%
Net Profit	₹571.2104 crs	₹401.8349 crs	42.15%
EPS	₹7.65	₹5.98	27.93%

Financial Results (Half Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.8826.8897 crores during the 6 Months period ended September 30, 2024 as compared to Rs.5703.2898 crores during the 6 Months period ended September 30, 2023.

The company has posted net profit / (loss) of Rs.1073.7816 crores for the 6 Months period ended September 30, 2024 as against net profit / (loss) of Rs.788.7312 crores for the 6 Months period ended September 30, 2023.

The company has reported EPS of Rs.14.39 for the 6 Months period ended September 30, 2024 as compared to Rs.11.74 for the 6 Months period ended September 30, 2023.

Financials	Half Year Ended FY2025	Half Year Ended FY2024	% Change
Total Income	₹8826.8897 crs	₹5703.2898 crs	54.77%
Net Profit	₹1073.7816 crs	₹788.7312 crs	36.14%
EPS	₹14.39	₹11.74	22.57%

Asset Quality:

Asset Quality	Q2 FY2025	Q1 FY2025	Q2 FY2024
Gross NPA	₹1901.6888 crs	₹1613.1778 crs	₹1244.7536 crs
Gross NPA %	1.98%	1.78%	1.91%
Net NPA	₹706.6955 crs	₹562.5606 crs	₹384.7212 crs
Net NPA %	0.75%	0.63%	0.60%

Gross NPA was at ₹ 1901.6888 crs in Q2 FY2025 against ₹ 1244.7536 crs in Q2 FY2024. The same was at ₹ 1613.1778 crs in Q1 FY2025.

Net NPA was at ₹ 706.6955 crs in Q2 FY2025 against ₹ 384.7212 crs in Q2 FY2024. The same was at ₹ 562.5606 crs in Q1 FY2025.

GNPA was at 1.98% of Gross advances as on September 30, 2024 as compared to 1.91% as on September 30, 2023 and 1.78% as of June 30, 2024.

Net NPA was at 0.75% of Gross advances as on September 30, 2024 as compared to 0.60% as on September 30, 2023 and 0.63% as of June 30, 2024.

Ratios	Q2 FY2025	Q1 FY2025	Q2 FY2024
RoA %	0.43%	0.39%	0.43%
CAR (BASEL III) %	18.51%	20.11%	22.43%

Return on Average Assets (RoA) is at 0.43% for Q2 FY2025 against 0.39% in Q1 FY2025 and 0.43% in Q2 FY2024.

In Q2 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 18.51%, as compared to 20.11% in Q1 FY2025 and 22.43% in Q2 FY2024.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 651.50 as compared to the previous close of Rs. 638.25. The total number of shares traded during the day was 41289 in over 3177 trades.

The stock hit an intraday high of Rs. 655.45 and intraday low of 630.10. The net turnover during the day was Rs. 26676869.00.