| Company | Value | Change | %Change |
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Net Interest Income (NII) stood at ₹2,022.5 crore, slightly below the estimated ₹2,044.9 crore. However, it reflected a 2.4% rise compared to ₹1,974.4 crore in the last quarter.
Asset quality showed some deterioration.
Gross non-performing assets (Gross NPA) stood at ₹2,335.5 crore, up from ₹1,901.7 crore in Q2 FY25. The Gross NPA ratio rose by 33 basis points to 2.31%, from 1.98% in the previous quarter.
Similarly, the net NPA increased to ₹905.6 crore from ₹706.7 crore, with the net NPA ratio rising to 0.91% from 0.75% in the previous quarter.
Total income for the bank increased by 4% to ₹4,731.88 crore in Q3 FY25, compared to ₹4,548.57 crore in the previous quarter.
Sanjay Agarwal, Founder, MD, and CEO of AU Small Finance Bank, highlighted the challenges posed by tight liquidity and persistent inflation, noting that while the festive season saw some economic bounce-back, the momentum slowed in the latter part of the quarter.
Following the results, shares of AU Small Finance Bank ended 0.96% higher at ₹588 on the NSE.
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