AU Small Finance Bank Reports Mixed Financial Results Amid Rising NPAs and Income Concerns
AU Small Finance Bank has recently reported its financial results for the quarter ending June 2025, revealing a mix of positive and challenging trends. The bank achieved its highest quarterly interest earned at Rs 4,378.44 crore, marking consistent growth over the last five quarters. Additionally, the Profit After Tax (PAT) reached Rs 580.86 crore, also the highest in this period, indicating a positive trajectory in profitability. Earnings per Share (EPS) stood at Rs 7.79, reflecting the bank's ability to generate higher earnings for its shareholders.However, the results also highlight some areas of concern. The Profit Before Tax less Other Income (PBT) recorded a significant decline, reaching Rs -31.71 crore, which represents a notable year-on-year change. Furthermore, the Gross Non-Performing Assets (NPA) ratio increased to 2.47%, suggesting a rise in stressed loans. The bank's reliance on non-operating income, which constituted 104.07% of PBT, raises questions about the sustainability of its income sources.
In light of these developments, AU Small Finance Bank has experienced adjustments in its evaluation, reflecting the complexities of its financial landscape.
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