AU Small Finance Bank Limited (NSE: AUBANK)

AU Small Finance Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	128,505	105,547	82,054	59,217	49,501	42,859
Interest Income on Investments	3,945	-	-	-	-	-
Total Interest Income	132,450	105,547	82,054	59,217	49,501	42,859
Interest Paid on Deposits	66,881	53,976	37,801	26,876	25,846	23,769
Net Interest Income	65,569	51,571	44,253	32,341	23,654	19,089
Net Interest Income Growth (YoY)	34.88%	16.54%	36.83%	36.72%	23.91%	42.18%
Gain (Loss) on Sale of Assets	-13.96	-13.96	-6.63	-6.37	-9.3	-11.11
Gain (Loss) on Sale of Investments	517.49	517.49	-442.79	1,430	8,542	1,726
Other Non-Interest Income	21,289	16,955	10,794	8,514	5,677	5,346
Total Non-Interest Income	21,792	17,459	10,345	9,937	14,209	7,061
Non-Interest Income Growth (YoY)	59.24%	68.77%	4.10%	-30.07%	101.24%	52.86%
Revenues Before Loan Losses	87,361	69,030	54,597	42,278	37,864	26,150
Provision for Loan Losses	9,740	4,387	1,548	3,610	6,694	2,832
Revenue	77,621	64,642	53,049	38,668	31,169	23,318
Revenue Growth (YoY)	29.18%	21.85%	37.19%	24.06%	33.67%	40.24%
Salaries and Employee Benefits	26,274	20,733	17,723	13,604	9,034	7,359
Occupancy Expenses	6,630	6,630	5,417	4,031	2,956	2,685
Selling, General & Administrative	10,549	10,524	7,601	3,957	2,236	2,351
Other Non-Interest Expense	10,057	6,456	3,454	2,350	1,590	1,546
Total Non-Interest Expense	53,814	44,648	34,403	24,128	16,584	14,179
EBT Excluding Unusual Items	23,807	19,994	18,646	14,541	14,585	9,140
Pretax Income	23,807	19,994	18,646	14,541	14,585	9,140
Income Tax Expense	5,609	4,647	4,367	3,242	2,878	2,392
Net Income	18,198	15,347	14,279	11,298	11,707	6,748
Net Income to Common	18,198	15,347	14,279	11,298	11,707	6,748
Net Income Growth	13.30%	7.48%	26.38%	-3.49%	73.49%	76.73%
Basic Shares Outstanding	706	668	653	627	613	592
Diluted Shares Outstanding	709	671	657	633	618	605
Shares Change (YoY)	5.69%	2.21%	3.76%	2.38%	2.27%	2.16%
EPS (Basic)	25.78	22.98	21.86	18.03	19.10	11.39
EPS (Diluted)	25.68	22.86	21.74	17.85	18.93	11.16
EPS Growth	7.20%	5.15%	21.79%	-5.71%	69.62%	73.02%
Dividend Per Share	-	1.000	1.000	0.500	-	-
Dividend Growth	-	0%	100.00%	-	-	-
Effective Tax Rate	23.56%	23.24%	23.42%	22.30%	19.73%	26.17%

Source: S&P Capital IQ. Banks template. Financial Sources.