AU Small Finance Bank (AU SFB) released its provisional financial results for Q4 FY25, showcasing robust growth. Total deposits surged to ₹1,24,270 crore, marking a 10.7% quarterly and 27.2% yearly increase. CASA deposits grew 15.2% YoY, though the CASA ratio dipped slightly to 29.2% due to higher term deposit growth. Gross advances rose 25.8% YoY to ₹1,08,780 crore, with the overall loan portfolio (including securitized assets) reaching ₹1,15,710 crore. The merger with Fincare SFB (effective April 1, 2024) bolstered performance metrics. However, these figures are provisional and pending audit approvals.
Bullet Points (Symbols Added)
- 📈 Total Deposits: ₹1,24,270 Cr (Mar’25) vs. ₹97,704 Cr (Apr’24) – 27.2% YoY growth.
- 💰 CASA Deposits: ₹36,250 Cr (Mar’25), up 15.2% YoY; CASA ratio dips to 29.2% (from 32.2% in Apr’24).
- 🚀 Gross Advances: ₹1,08,780 Cr (Mar’25), up 25.8% YoY.
- 🔄 Loan Portfolio (A+B): ₹1,15,710 Cr, up 19.9% YoY.
- 🤝 Merger Impact: Fincare SFB merger (April 2024) strengthened balance sheet.
- ⚠️ Provisional Data: Subject to audit committee and board approval.
2. Effect on Share Market
- Positive Sentiment: Strong deposit and loan growth may boost investor confidence, signaling robust operational performance.
- CASA Ratio Dip: Marginal decline could raise short-term liquidity concerns, but overall growth likely overshadows this.
- Merger Synergy: Improved market positioning post-Fincare merger may attract long-term investors.
- Stock Reaction: NSE (AUBANK) and BSE (540611) shares could see upward momentum pre-results.
4. Company Details
- Name: AU Small Finance Bank Limited
- Established: 1996 (as vehicle financing NBFC); became SFB in 2017.
- HQ: Jaipur, Rajasthan.
- Services: Retail banking, loans, deposits, and digital banking solutions.
- NSE/BSE: Symbol AUBANK (NSE), Scrip Code 540611 (BSE).
- Website: https://www.aubank.in
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Disclaimer: This post is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy/sell any stock or share. Investing in the stock market involves risk. Past performance is not indicative of future results. Always conduct your own research or consult a licensed financial advisor before making investment decisions.
