Stock Report

AU Small Finance Bank reports PAT of Rs. 302.04 crores in Q3FY22

Posted On : 2022-01-28 16:36:28( TIMEZONE : IST )

AU Small Finance Bank Limited has reported Standalone financial results for the period ended December 31, 2021.

Financial Results (Q3 FY2022) - QoQ Comparison

The company has reported total income of Rs. 1772.0946 crores during the period ended December 31, 2021 as compared to Rs. 1596.6763 crores during the period ended September 30, 2021.

The company has posted net profit / (loss) of Rs. 302.0473 crores for the period ended December 31, 2021 as against net profit / (loss) of Rs. 278.5137 crores for the period ended September 30, 2021.

The company has reported EPS of Rs. 9.54 for the period ended December 31, 2021 as compared to Rs. 8.81 for the period ended September 30, 2021.

Financials	Q3 FY2022	Q2 FY2022	% Change
Total Income	₹ 1772.0946 crs	₹1596.6763 crs	10.99%
Net Profit	₹302.0473 crs	₹278.5137 crs	8.45%
EPS	₹9.54	₹8.81	8.29%

Financial Results (Q3 FY2022) - YoY Comparison

The company has reported total income of Rs. 1772.0946 crores during the period ended December 31, 2021 as compared to Rs.1946.7218 crores during the period ended December 31, 2020.

The company has posted net profit / (loss) of Rs.302.0473 crores for the period ended December 31, 2021 as against net profit / (loss) of Rs.479.0208 crores for the period ended December 31, 2020.

The company has reported EPS of Rs.9.54 for the period ended December 31, 2021 as compared to Rs.15.54 for the period ended December 31, 2020.

Financials	Q3 FY2022	Q3 FY2021	% Change
Total Income	₹ 1772.0946 crs	₹1946.7218 crs	-8.97%
Net Profit	₹302.0473 crs	₹479.0208 crs	-36.94%
EPS	₹9.54	₹15.54	-38.61%

Financial Results (9 Months Ended FY2022) - YoY Comparison

The company has reported total income of Rs.4937.0176 crores during the 9 Months period ended December 31, 2021 as compared to Rs.4831.4485 crores during the 9 Months period ended December 31, 2020.

The company has posted net profit / (loss) of Rs.783.7591 crores for the 9 Months period ended December 31, 2021 as against net profit / (loss) of Rs.1001.7059 crores for the 9 Months period ended December 31, 2020.

The company has reported EPS of Rs.24.77 for the 9 Months period ended December 31, 2021 as compared to Rs.32.52 for the 9 Months period ended December 31, 2020.

Financials	9 Months Ended FY2022	9 Months Ended FY2021	% Change
Total Income	₹4937.0176 crs	₹4831.4485 crs	2.19%
Net Profit	₹783.7591 crs	₹1001.7059 crs	-21.76%
EPS	₹24.77	₹32.52	-23.83%

Asset Quality:

Asset Quality	Q3 FY2022	Q2 FY2022	Q3 FY2021
Gross NPA	₹ 1057.5682 crs	₹1151.4478 crs	₹302.7382 crs
Gross NPA %	2.60%	3.16%	0.99%
Net NPA	₹520.1773 crs	₹591.4773 crs	₹72.6932 crs
Net NPA %	1.29%	1.65%	0.24%

Gross NPA was at ₹ 1057.5682 crs in Q3 FY2022 against ₹ 302.7382 crs in Q3 FY2021. The same was at ₹ 1151.4478 crs in Q2 FY2022.

Net NPA was at ₹ 520.1773 crs in Q3 FY2022 against ₹ 72.6932 crs in Q3 FY2021. The same was at ₹ 591.4773 crs in Q2 FY2022.

GNPA was at 2.60% of Gross advances as on December 31, 2021 as compared to 0.99% as on December 31, 2020 and 3.16% as of September 30, 2021.

Net NPA was at 1.29% of Gross advances as on December 31, 2021 as compared to 0.24% as on December 31, 2020 and 1.65% as of September 30, 2021.

Ratios	Q3 FY2022	Q2 FY2022	Q3 FY2021
RoA %	0.54%	0.53%	1.06%
CAR (BASEL III) %	19.55%	21.95%	18.84%

Return on Average Assets (RoA) is at 0.54% for Q3 FY2022 against 0.53% in Q2 FY2022 and 1.06% in Q3 FY2021.

In Q3 FY2022, Bank's total Capital Adequacy Ratio (CAR) was at 19.55%, as compared to 21.95% in Q2 FY2022 and 18.84% in Q3 FY2021.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 1270.70 as compared to the previous close of Rs. 1275.40. The total number of shares traded during the day was 41983 in over 3864 trades.

The stock hit an intraday high of Rs. 1299.05 and intraday low of 1261.20. The net turnover during the day was Rs. 53784695.00.