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Risk Disclosures on Derivatives

>9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
>On an average, loss makers registered net trading loss close to ₹ 50,000.
>Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
>Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.

AU SMALL FINANCE BANK LTD.

NSE : AUBANKBSE : 540611ISIN CODE : INE949L01017Industry : Bank - PrivateHouse : Private

BSE761.8510.3 (+1.37 %)

PREV CLOSE ( ) 751.55

OPEN PRICE ( ) 756.95

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 161438

TODAY'S LOW / HIGH ( )752.30 773.00

52 WK LOW / HIGH ( )479 840.95

NSE761.5510.95 (+1.46 %)

PREV CLOSE( ) 750.60

OPEN PRICE ( ) 755.00

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 1873223

TODAY'S LOW / HIGH( ) 753.00 773.35

52 WK LOW / HIGH ( )478.35 841

Select year

(Rs.in Million)

Particulars

Mar 2025

Mar 2024

Mar 2023

Mar 2022

Mar 2021

I. INCOME

Interest Earned

160637.31

105547.13

82054.08

59217.31

49500.52

Interest / Discount on advances / Bills

133683.47

84421.48

68470.18

49474.77

39473.63

Interest on balances with RBI and other Inter-bank funds

691.48

668.80

582.77

870.81

850.07

Income on investments

22381.76

16323.88

11898.84

7805.32

7730.43

Others

3880.60

4132.98

1102.29

1066.41

1446.39

Other Income

25263.11

16971.42

10344.64

9936.94

14209.33

Commission,exchange and brokerage

22219.41

16225.40

9851.00

6126.41

4282.87

Profit / (loss)on sale of investments(net)

2292.57

361.27

-442.79

1429.70

8542.01

Profit on sale of Fixed Assets

-36.08

-13.96

-6.63

-6.37

-9.30

Foreign Exchange Gains

363.80

0.89

Income earned from subsidiaries/joint venture

Rent / Lease Income

Provisions Written Back

Miscellaneous income

423.40

397.81

943.06

2387.21

1393.75

Total Income

185900.42

122518.55

92398.73

69154.25

63709.84

II. EXPENDITURE

Interest Expended

80521.49

53976.29

37801.26

26876.06

25846.10

Intereston Deposits

72187.22

49322.08

33389.42

22635.37

18572.10

Interest on RBI / inter-bank borrowings

370.71

154.40

126.11

109.91

495.92

Other Interest

7963.56

4499.82

4285.73

4130.78

6778.08

Operating Expenses

59572.15

44648.04

34402.70

24127.74

16584.25

Payments to and provisions for employees

31477.60

21036.81

17930.28

13789.22

9801.73

Rent,Taxes and lighting

3038.47

2049.38

1873.18

1376.17

989.30

Depreciation on Banks property

2585.14

2254.44

1854.18

1401.67

1043.69

Depreciation on leased assets

Auditor's fees and expenses

35.69

26.86

19.12

20.08

14.08

Law charges

985.81

806.84

689.24

333.90

226.20

Communication Expenses

1075.09

994.65

836.37

642.94

381.87

Repairs and Maintenance

3219.99

2326.64

1689.22

1253.46

923.07

Insurance

1275.05

880.28

669.10

451.78

321.72

Other expenses

15879.32

14272.13

8842.01

4858.52

2882.58

Provisions and Contingencies

17926.21

3899.93

1548.31

3609.71

6694.45

Provision for investments

Provision for advances

17809.90

4898.00

2434.20

2067.10

7057.70

Others Provisions

116.31

-998.07

-885.89

1542.61

-363.25

Profit Before Tax

27880.57

19994.29

18646.45

14540.74

14585.05

Taxes

6821.30

4647.10

4367.20

3242.40

2878.20

Current Income Tax

7047.60

4879.70

3873.70

3658.20

3477.20

Deferred Tax

-226.30

-232.60

493.50

-415.80

-599.00

Other taxes

0.00

Profit After Tax

21059.27

15347.19

14279.25

11298.34

11706.85

Extra items

0.00

Minority Interest

Share of Associate

Other Consolidated Items

Consolidated Net Profit

21059.27

15347.19

14279.25

11298.34

11706.85

Adjustments to PAT

5381.41

IV. APPROPRIATIONS

78169.51

58218.56

48103.46

38209.36

30580.03

Transfer to Statutory Reserve

5264.82

3836.80

3569.81

2824.59

2926.71

Appropriation to General Reserve

Appropriation to Revenue Reserve

Appropriation to Other Reserves

Equity Dividend

Corporate dividend tax

Other appropriations

72904.69

54381.76

44533.65

35384.78

27653.32

Equity Dividend %

10.00

Earnings Per Share

28.00

23.00

21.00

36.00

37.00

Adjusted EPS

28.00

23.00

21.00

18.00

19.00

Risk Disclosures on Derivatives

Profit & Loss

AU SMALL FINANCE BANK LTD.