ALFA Finder| Margins | NIMs improved YoY to 5.9%; cost of funds bottomed out. |
|---|---|
| Demand visibility | Healthy credit growth across segments; strong demand in new vehicle segment. |
| Management confidence | High; citing diversified franchise and strong execution capabilities. |
Growth
Deposits grew 24% YoY to ₹1.58 lakh Cr; Loan portfolio increased 23% YoY. Net Interest Margin (NIM) improved 47 bps YoY to 5.9%.
Outlook
Targeting 1.8% ROA. Management expects growth to compound at 2-2.5x of India's nominal GDP over the next decade. Technology spend is ~12-13% of opex.
Risks
Heightened competition for deposits, tight liquidity conditions, and geopolitical uncertainty from West Asia crisis impacting the macro environment.
Last quarter's promises, checked
Delivered
- Guided ROA 1.8% → delivered 1.8% (= BEAT)
- Guided cost to assets <4% → delivered 4.1% full year (= BEAT)
- Guided growth 2-2.5x GDP → delivered 21% loan growth (= BEAT)
Partly delivered
- Guided credit cost ~90 bps → delivered 96 bps full year (= PARTIAL)
Investor Presentation filed with BSE, NSE: AUBANK. Summary written with AI assistance from the document.
Au Small Finance Bank Ltd: key numbers
- Share price
- ₹951.15
- Market cap
- ₹71,523 Cr
- Revenue (annual)
- ₹18,636 Cr
- Net profit (annual)
- ₹2,641 Cr
- P/E (TTM)
- 22.7×Sector 20.8×
- Promoter holding
- 22.67%-0.07% QoQ
- FII holding
- 36.06%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Au Small Finance Bank Ltd
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Au Small Finance Bank Debt & Borrowing: ₹0.68 Cr
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- ₹0.68 Cr
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Au Small Finance Bank Earnings Call Transcript: Key Takeaways
AU SFB shows strong growth momentum despite a tight liquidity environment. Management is focused on granular deposit mobilization and leveraging technology to improve operating efficiency.
- Call
- Guides 25% growth
Au Small Finance Bank Results Update
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