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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	171,433	160,637	105,547	82,054	59,217	49,501
Interest Income on Investments	1,305	-	-	-	-	-
Total Interest Income	172,738	160,637	105,547	82,054	59,217	49,501
Interest Paid on Deposits	89,681	80,521	53,976	37,801	26,876	25,846
Net Interest Income	83,057	80,116	51,571	44,253	32,341	23,654
Net Interest Income Growth (YoY)	26.67%	55.35%	16.54%	36.83%	36.72%	23.91%
Gain (Loss) on Sale of Assets	-36.08	-36.08	-13.96	-6.63	-6.37	-9.3
Gain (Loss) on Sale of Investments	2,352	2,352	517.49	-442.79	1,430	8,542
Other Non-Interest Income	26,707	22,947	16,468	10,794	8,514	5,677
Total Non-Interest Income	29,023	25,263	16,971	10,345	9,937	14,209
Non-Interest Income Growth (YoY)	33.18%	48.86%	64.06%	4.10%	-30.07%	101.24%
Revenues Before Loan Losses	112,080	105,379	68,542	54,597	42,278	37,864
Provision for Loan Losses	21,509	17,926	3,900	1,548	3,610	6,694
Revenue	90,571	87,453	64,642	53,049	38,668	31,169
Revenue Growth (YoY)	16.68%	35.29%	21.85%	37.19%	24.06%	33.67%
Salaries and Employee Benefits	32,505	30,900	20,733	17,723	13,604	9,034
Occupancy Expenses	8,844	8,844	6,630	5,417	4,031	2,956
Selling, General & Administrative	11,870	11,390	10,524	7,601	3,957	2,236
Other Non-Interest Expense	8,092	7,861	6,456	3,454	2,350	1,590
Total Non-Interest Expense	61,889	59,572	44,648	34,403	24,128	16,584
EBT Excluding Unusual Items	28,682	27,881	19,994	18,646	14,541	14,585
Pretax Income	28,682	27,881	19,994	18,646	14,541	14,585
Income Tax Expense	6,943	6,821	4,647	4,367	3,242	2,878
Net Income	21,739	21,059	15,347	14,279	11,298	11,707
Net Income to Common	21,739	21,059	15,347	14,279	11,298	11,707
Net Income Growth	19.46%	37.22%	7.48%	26.38%	-3.49%	73.49%
Basic Shares Outstanding	745	744	668	653	627	613
Diluted Shares Outstanding	747	746	671	657	633	618
Shares Change (YoY)	5.45%	11.07%	2.21%	3.76%	2.38%	2.27%
EPS (Basic)	29.19	28.32	22.98	21.86	18.03	19.10
EPS (Diluted)	29.09	28.24	22.86	21.74	17.85	18.93
EPS Growth	13.28%	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	24.21%	24.47%	23.24%	23.42%	22.30%	19.73%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.