AU Small Finance Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	157,111	160,637	105,547	82,054	59,217
Interest Income on Investments	29,252	-	-	-	-
Total Interest Income	186,363	160,637	105,547	82,054	59,217
Interest Paid on Deposits	95,237	80,521	53,976	37,801	26,876
Net Interest Income	91,127	80,116	51,571	44,253	32,341
Net Interest Income Growth (YoY)	13.74%	55.35%	16.54%	36.83%	36.72%
Gain (Loss) on Sale of Assets	-	-36.08	-13.96	-6.63	-6.37
Gain (Loss) on Sale of Investments	-	2,352	517.49	-442.79	1,430
Other Non-Interest Income	29,779	22,947	16,468	10,794	8,514
Total Non-Interest Income	29,779	25,263	16,971	10,345	9,937
Non-Interest Income Growth (YoY)	17.88%	48.86%	64.06%	4.10%	-30.07%
Revenues Before Loan Losses	120,906	105,379	68,542	54,597	42,278
Provision for Loan Losses	16,147	17,926	3,900	1,548	3,610
Revenue	104,759	87,453	64,642	53,049	38,668
Revenue Growth (YoY)	19.79%	35.29%	21.85%	37.19%	24.06%
Salaries and Employee Benefits	36,988	30,900	20,733	17,723	13,604
Occupancy Expenses	-	8,844	6,630	5,417	4,031
Selling, General & Administrative	1,494	11,390	10,524	7,601	3,957
Other Non-Interest Expense	31,537	7,861	6,456	3,454	2,350
Total Non-Interest Expense	70,019	59,572	44,648	34,403	24,128
EBT Excluding Unusual Items	34,740	27,881	19,994	18,646	14,541
Pretax Income	34,740	27,881	19,994	18,646	14,541
Income Tax Expense	8,328	6,821	4,647	4,367	3,242
Net Income	26,413	21,059	15,347	14,279	11,298
Net Income to Common	26,413	21,059	15,347	14,279	11,298
Net Income Growth	25.42%	37.22%	7.48%	26.38%	-3.49%
Basic Shares Outstanding	746	744	668	653	627
Diluted Shares Outstanding	754	746	671	657	633
Shares Change (YoY)	1.16%	11.07%	2.21%	3.76%	2.38%
EPS (Basic)	35.40	28.32	22.98	21.86	18.03
EPS (Diluted)	35.01	28.24	22.86	21.74	17.85
EPS Growth	23.97%	23.54%	5.15%	21.79%	-5.71%
Dividend Per Share	1.000	1.000	1.000	1.000	0.500
Dividend Growth	-	-	-	100.00%	-
Effective Tax Rate	23.97%	24.47%	23.24%	23.42%	22.30%

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