New Delhi: AU Small Finance Bank declared a strong financial result for FY25 in the backdrop of a challenging macroeconomic environment during the year – lower than expected GDP growth, challenging credit environment, tight liquidity, persistent inflation and elevated interest rates. Bank has delivered a well-rounded performance with RoA of 1.5% while focusing on tighter underwriting, managing cost of funds and controlling operational expenses.
The board of directors approved a dividend of Rs 1/- per share (10% of face value) for FY 2024-25
subject to shareholder’s approval.
In its Q4 2024-25 Results, AU Small Finance Bank registered 18 per cent rise in profit at Rs 504 crore as compared to Rs 428 crore in the year-ago quarter. The Jaipur-based bank reported its Net Interest Income (NII) increasing 57 per cent to Rs 2,094 crore in January-March quarter of FY24, while it was Rs 1,337 crore in the last quarter of 2023-24. The bank’s Net Interest Margin (NIM) the last quarter of 2024-25 was recorded at 5.8 per cent compared to 5.1 per cent in Q4FY24.
The small finance bank recorded downfall in its asset quality with gross NPA (non-performing asset) at 2.28 per cent in March 2025, while it was 1.67 per cent in March 2024. The Net NPA increased to 0.74 per cent of net advances in the last quarter of 2024-25 as against 0.55 per cent in the year-ago period.
AU Small Finance Bank Q4’FY25 highlights
• The Bank’s Net Interest Income (NII) grew 57% YoY to ₹2,094 Crore compared to ₹1,337
Crore during Q4’FY24
• Other Income grew by 41% in Q4’FY25 to ₹ 761 Crore compared to 541 Crore in Q4’FY24
• The Bank’s pre-provisioning operating profit (PPoP) for Q4’FY25 grew 99% YoY to ₹1,292
Crore compared to ₹650 Crore in Q4’FY24
• PAT was up 18% YoY for Q4’FY25 at ₹504 Crore vs. ₹428 Crore in Q4’FY24
• Cost to Income improved to 55% in Q4’FY25 vs. 65% in Q4’FY24
• Net Interest Margin (NIM) for Q4’FY25 stood at 5.8% compared to 5.1% in Q4’FY24
• The Return on Asset (ROA) and Return on Equity (ROE) for Q4’FY25 stood at 1.4% and
11.9% respectively
AU Small Finance Bank 2024-25 highlights
• The Bank’s Net Interest Income (NII) grew 55% YoY to Rs 8,012 Crore compared to Rs 5,157
crore during FY24
• Other Income grew by 49% in FY25 to Rs 2,526 Crore compared to 1,697 crore in FY24
• The bank’s pre-provisioning operating profit (PPoP) for FY25 grew 86% YoY to Rs 4,581 crore
compared to Rs 2,466 crore in FY24
• The net profit at Rs 2,106 crore FY25 grew 32% YoY compared to Rs 1,592 crore in FY24 (FY24
PAT including exceptional item was at Rs 1,535 crore)
• Cost to Income decline by ~7% from 64% in FY24 to 57% in FY25
• Net Interest Margin (NIM) for FY25 stood at 5.94% compared to 5.45% in FY24
• Return on Asset (ROA) and Return on Equity (ROE) stood at 1.5% and 13.1% respectively
• EPS at Rs 28 grew by 19% YoY whereas Book Value Per Share (BVPS) at Rs 231 grew by 23%
AU Small Finance Bank declared its Q4 Results of 2024-25 and declared its profit rising by 18% to Rs 504 crore. The bank declared a dividend of Re 1 per share for FY25 subject to shareholders’ approval. Biz News Business News – Personal Finance News, Share Market News, BSE/NSE News, Stock Exchange News Today
