AU Small Finance Bank Limited (BOM:540611)

AU Small Finance Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	133,683	105,547	82,054	59,217	49,501
Interest Income on Investments	26,954	-	-	-	-
Total Interest Income	160,637	105,547	82,054	59,217	49,501
Interest Paid on Deposits	80,521	53,976	37,801	26,876	25,846
Net Interest Income	80,116	51,571	44,253	32,341	23,654
Net Interest Income Growth (YoY)	55.35%	16.54%	36.83%	36.72%	23.91%
Gain (Loss) on Sale of Assets	-	-13.96	-6.63	-6.37	-9.3
Gain (Loss) on Sale of Investments	-	517.49	-442.79	1,430	8,542
Other Non-Interest Income	25,263	16,955	10,794	8,514	5,677
Total Non-Interest Income	25,263	17,459	10,345	9,937	14,209
Non-Interest Income Growth (YoY)	44.70%	68.77%	4.10%	-30.07%	101.24%
Revenues Before Loan Losses	105,379	69,030	54,597	42,278	37,864
Provision for Loan Losses	17,926	4,387	1,548	3,610	6,694
Revenue	87,453	64,642	53,049	38,668	31,169
Revenue Growth (YoY)	35.29%	21.85%	37.19%	24.06%	33.67%
Salaries and Employee Benefits	31,478	20,733	17,723	13,604	9,034
Occupancy Expenses	-	6,630	5,417	4,031	2,956
Selling, General & Administrative	-	10,524	7,601	3,957	2,236
Other Non-Interest Expense	28,095	6,456	3,454	2,350	1,590
Total Non-Interest Expense	59,572	44,648	34,403	24,128	16,584
EBT Excluding Unusual Items	27,881	19,994	18,646	14,541	14,585
Pretax Income	27,881	19,994	18,646	14,541	14,585
Income Tax Expense	6,821	4,647	4,367	3,242	2,878
Net Income	21,059	15,347	14,279	11,298	11,707
Net Income to Common	21,059	15,347	14,279	11,298	11,707
Net Income Growth	37.22%	7.48%	26.38%	-3.49%	73.49%
Basic Shares Outstanding	744	668	653	627	613
Diluted Shares Outstanding	746	671	657	633	618
Shares Change (YoY)	11.06%	2.21%	3.76%	2.38%	2.27%
EPS (Basic)	28.32	22.98	21.86	18.03	19.10
EPS (Diluted)	28.24	22.86	21.74	17.85	18.93
EPS Growth	23.54%	5.15%	21.79%	-5.71%	69.62%
Dividend Per Share	1.000	1.000	1.000	0.500	-
Dividend Growth	-	-	100.00%	-	-
Effective Tax Rate	24.47%	23.24%	23.42%	22.30%	19.73%

Updated Jan 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.