Au Small Finance Bank announced Q3FY25 results Net Interest Income (NII) grew 53% YoY to Rs 2,023 crore compared to Rs 1,325 crore during Q3FY24. Other Income grows by 40% YoY driven by fee income, cross sell, and credit cards. Operating profit (PPoP) grows 85% YoY to Rs 1,205 crore supported by growth in income and calibrated Opex. PAT grows 41% YoY to Rs 528 crore for Q3FY25 with annualized RoA of 1.5% and RoE of 13.0%. Cost of Funds increased by 2 bps during the quarter to 7.06%. Net Interest Margin (NIM) improved to 5.9% YoY from 5.5% in Q3FY24. Cost to Income ratio reduced by 886 bps YoY to 54.4% for Q3FY25. CD ratio as on 31 st December 2024 stood 81% excluding advances created out of refinance from DFIs. Gross loan portfolio stood at Rs 1,08,921 crore, registering a YTD growth of 12.9%. Total deposits stood at Rs 1,12,260 crore, registering a YTD growth of 14.9%. CASA for the quarter stood at 31%; CASA + Retail term deposit at 65%; and CASA + Retail TD + noncallable bulk deposit at 80%. PCR at 80% including technical write-off; GNPA ratio as on 31st Dec’24 is 2.31% and NNPA ratio at 0.91%. For 9M’FY25, EPS grew by 24% YoY whereas Book Value Per Share (BVPS) grew by 23% in same time. Bank now has total 1.1 Cr+ customers; serves them through a total 2,400 touchpoints across 21 states and 4 UTs with total strength of 49K+ employees. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said: “The economy saw some bounce back during festive season, however the momentum slowed down towards the latter half of the quarter. Overall economic activity whilst better than H1, remains below market expectations. Tight liquidity and persistent inflation continue to pose challenge to deposit growth and interest rates” Amidst this backdrop and in a highly competitive market, our performance in the first 9 months of the financial year has been resilient. We continue to grow at higher rates than the industry across both advances and deposits. Our secured assets franchise remains in a very good shape, however Microfinance business continues to see elevated credit cost and degrowth in line with the industry. We remain focused on empowering individuals and businesses, contributing to India’s economic resilience and sustainable growth and I am thankful to the Government for supporting the MSME and Micro credit sector with various guarantee schemes”. Result PDF