AUBANK2023-10-012023-12-31 AUBANK2023-10-012023-12-31 AUBANK2023-10-012023-12-31in-bse-fin:OneOperatingExpenses01Member AUBANK2023-10-012023-12-31in-bse-fin:FourOperatingExpenses01Member AUBANK2023-12-31 AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue01Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue02Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue03Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue04Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue05Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue01Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue02Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue03Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue04Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue05Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults01Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults02Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults03Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults04Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults05Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults01Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults02Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults03Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults04Member AUBANK2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults05Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets01Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets02Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets03Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets04Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets05Member AUBANK2023-12-31 AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities01Member AUBANK2023-12-31in-bse-fin:OneReportableSegmentLiabilities01Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities02Member AUBANK2023-12-31in-bse-fin:OneReportableSegmentLiabilities02Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities03Member AUBANK2023-12-31in-bse-fin:OneReportableSegmentLiabilities03Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities04Member AUBANK2023-12-31in-bse-fin:OneReportableSegmentLiabilities04Member AUBANK2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities05Member AUBANK2023-12-31in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 540611 AUBANK NOTLISTED INE949L01017 AU Small Finance Bank Limited Banking Format Equity 2023-04-01 2024-03-31 2024-01-25 2024-01-16 INR Lakhs Third quarter Multi segment 11:30:00 15:30:00 2024-01-25 2024-01-25 Not applicable 2023-10-01 2023-12-31 Unaudited Standalone 21232205000.00 4144084000.00 162837000.00 1819077000.00 27358203000.00 4496910000.00 31855113000.00 14109463000.00 5287489000.00 5887314000.00 11174803000.00 25284266000.00 6570847000.00 1589369000.00 0.00 4981478000.00 1228999000.00 3752479000.00 0.00 3752479000.00 3752479000.00 6687745000.00 10.00 0.00 0.1956 0.00 5.61 5.58 5.61 5.58 13396827000.00 4561578000.00 0.0198 0.0068 0.0038 Ratios Particulars Quarter ended Nine month ended 31.12.2023 31.12.2023 Tier I ratio 19.56% 19.56% Tier II ratio 1.26% 1.26% Captail Adequacy Ratio 20.82% 20.82% % of gross NPAs 1.98% 1.98% % of net NPAs 0.68% 0.68% Return on assets (average)* 0.38% 1.22% Net worth 12,16,733.17 12,16,733.17 Outstanding redeemable preference shares - - Capital redemption reserve / Debenture redemption reserve - - Debt-equity ratio 0.27 0.27 Total debts to total assets 5.35% 5.35% * Figures for the quarter / nine months ended are not annualized. Net worth represents sum of Capital and Reserves & Surplus. Debt represents borrowings with residual maturity of more than one year. Total debt represents total borrowings of the Bank. For notes please refer financial results submitted in pdf form to stock exchanges. 2023-04-01 2023-12-31 Unaudited Standalone 61990196000.00 11626240000.00 513288000.00 3122411000.00 77252135000.00 11902735000.00 89154870000.00 39051601000.00 15478069000.00 16117000000.00 31595069000.00 70646670000.00 18508200000.00 3062318000.00 0.00 15445882000.00 3806092000.00 11639790000.00 0.00 11639790000.00 11639790000.00 6687745000.00 10.00 0.00 0.1956 0.00 17.43 17.32 17.43 17.32 13396827000.00 4561578000.00 0.0198 0.0068 0.0122 Other Operating Expenses 5887314000.00 Other Operating Expenses 16117000000.00 Capital and Other Reserves 0.00 Other banking operations 778653000.00 Retail banking 23681786000.00 Treasury 4403877000.00 Wholesale banking 2990797000.00 Capital and Other Reserves 0.00 Other banking operations 1783375000.00 Retail banking 66613182000.00 Treasury 12428416000.00 Wholesale banking 8329897000.00 31855113000.00 89154870000.00 0.00 0.00 31855113000.00 89154870000.00 Capital and Other Reserves 0.00 Other banking operations 708567000.00 Retail banking 3278590000.00 Treasury 216650000.00 Wholesale banking 777671000.00 Capital and Other Reserves 0.00 Other banking operations 1585925000.00 Retail banking 10586838000.00 Treasury 784627000.00 Wholesale banking 2488492000.00 4981478000.00 15445882000.00 0.00 0.00 0.00 0.00 4981478000.00 15445882000.00 Capital and Other Reserves 0.00 Other banking operations 577107000.00 Retail banking 591443928000.00 Treasury 279232128000.00 Wholesale banking 104813956000.00 976067119000.00 35690093000.00 35690093000.00 1011757212000.00 Capital and Other Reserves 121673317000.00 Other banking operations 45658000.00 Retail banking 465180986000.00 Treasury 27079306000.00 Wholesale banking 396800426000.00 1010779693000.00 977519000.00 977519000.00 1011757212000.00 Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting system and guidelines prescribed by the RBI and in compliance with the Accounting Standard 17 – “Segment Reporting”. The RBI vide its circular dated April 7, 2022 on establishment of Digital Banking Units (DBUs), has prescribed reporting of Digital Banking Segment as a sub-segment of Retail Banking Segment. The Bank is in the process of setting up DBUs and hence no Digital Banking Segment disclosure have been made. The business operations of the Bank are in India and for the purpose of segment reporting as per Accounting Standard-17 (Segment reporting) the bank is considered to operate only in domestic segment.