AU Small Finance Bank releases Consolidated Quarterly Results for March 31, 2023. AU Small Finance Bank has announced an increase in total income from Rs. 2412.9642 Crores as of December 31, 2022, to Rs. 2607.9123 Crores as of March 31, 2023. The net profit for the company has decreased from Rs. 392.8282 Crores as of December 31, 2022, to Rs. 424.6322 Crores as of March 31, 2023. However, the earnings per share (EPS) have improved, increasing from Rs. 5.87 on December 31, 2022, to Rs. 6.34 on March 31, 2023, according to the company’s statement.
AU Small Finance Bank Quarterly Results (Q4 FY2023) – Quarter-over-Quarter Comparison:
Total income of the company is Rs. 2607.9123 Crores (March 31, 2023) vs. Rs. 2412.9642 Crores (December 31, 2022)
Net profit/loss: Rs. 424.6322 Crores (March 31, 2023) vs. Rs. 392.8282 Crores (December 31, 2022)
EPS: Rs. 6.34 (March 31, 2023) vs. Rs. 5.87 (December 31, 2022)
| Financials | Q4 FY2023 | Q3 FY2023 | % Change |
| Total Income | ₹ 2607.9123 Cr | ₹ 2412.9642 Cr | ⬆ 8.08% |
| Net Profit | ₹ 424.6322 Cr | ₹ 392.8282 Cr | ⬆ 8.10% |
| EPS | ₹ 6.34 | ₹ 5.87 | ⬆ 8.01% |
AU Small Finance Bank Quarterly Results (Q4 FY2023) – Year-over-Year Comparison:
Total income of the company is Rs. 2607.9123 Crores (March 31, 2023) vs. Rs. 1978.4073 Crores (March 31, 2022)
Net profit/loss: Rs. 424.6322 Crores (March 31, 2023) vs. Rs. 346.0749 Crores (March 31, 2022)
EPS: Rs. 6.34 (March 31, 2023) vs. Rs. 5.46 (March 31, 2022)
| Financials | Q3 FY2023 | Q3 FY2022 | % Change |
| Total Income | ₹ 2607.9123 Cr | ₹ 1978.4073 Cr | ⬆ 31.82% |
| Net Profit | ₹ 424.6322 Cr | ₹ 346.0749 Cr | ⬆ 22.70% |
| EPS | ₹ 6.34 | ₹ 5.46 | ⬆ 16.12% |
AU Small Finance Bank Quarterly Results (Year Ended FY2023) – Year-over-Year Comparison:
Total income of the company is Rs. 9239.8725 Crores (March 31, 2023) vs. Rs. 6915.4249 Crores (March 31, 2022)
Net profit/loss: Rs. Crores (March 31, 2023) vs. Rs. 1129.8342 Crores (March 31, 2022)
EPS: Rs. (March 31, 2023) vs. Rs. 17.85 (March 31, 2022)
| Financials | 12 Months Ended FY2023 | 12 Months Ended FY2022 | % Change |
| Total Income | ₹ 9239.8725 Cr | ₹ 6915.4249 Cr | ⬆ 33.61% |
| Net Profit | ₹ 1427.9253 Cr | ₹ 1129.8342 Cr | ⬆ 26.38% |
| EPS | ₹ 21.74 | ₹ 17.85 | ⬆ 21.79% |
Asset Quality:
| Asset Quality | Q4 FY2023 | Q3 FY2023 | Q4 FY2022 |
| Gross NPA | ₹981.3126 Cr | ₹1018.8585 Cr | ₹924.3782 Cr |
| Gross NPA % | 1.66% | 1.81% | 1.98% |
| Net NPA | ₹245.1588 Cr | ₹284.5633 Cr | ₹230.8455 Cr |
| Net NPA % | 0.42% | 0.51% | 0.50% |
The gross NPA of Bank of Maharashtra was ₹ 981.3126 Crorse in Q4 FY2023, down from ₹ 924.3782 Crorse in Q3 FY2022 and ₹ 1018.8585 Crorse in Q3 FY2023.
Net NPA was ₹ 245.1588 Crorse in Q4 FY2022, a decrease from ₹ 230.8455 Crorse in Q3 FY2022 and ₹ 284.5633 Crorse in Q3 FY2023.
As of March 31, 2023, GNPA was 1.66% of Gross advances, compared to 1.98% on March 31, 2022, and 1.81% on December 31, 2022.
As of March 31, 2023, Net NPA was 0.42% of Gross advances, a decrease from 0.50% on March 31, 2022, and 0.51% on December 31, 2022.
| Ratios | Q4 FY2023 | Q3 FY2023 | Q4 FY2022 |
| RoA % | 0.50% | 0.50% | 0.54% |
| CAR (BASEL III) % | 23.59% | 21.97% | 20.99% |
Q4 FY2023 Return on Average Assets (RoA) was 0.50%, up from 0.50% in Q3 FY2023 and 0.54% in Q3 FY2022.
In Q4 FY2023, the Bank’s Capital Adequacy Ratio (CAR) was 23.59%, down from 21.97% in Q3 FY2023 and 20.99% in Q4 FY2022.
AU Small Finance Bank Share Dividend Announcement / Record Date:
The dividend’s record date has not yet come
About AU Small Finance Bank:
AU Small Finance Bank Limited, a small finance bank based in Jaipur, India, was originally established as AU Financiers Ltd, a vehicle finance company in 1996. The company underwent a significant transformation and was converted into a small finance bank on 19th April 2017, further solidifying its position in the Indian financial sector.
Download Full PDF Q4 Results AU Small Finance Bank:
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