A track record of excellence
Progressing towards
an enduring future
Profit and loss indicators
Total income
(in ` crore)
Net interest income (NII)
(in ` crore)
Profit after tax
(in ` crore)
Earnings per share (EPS)
(`)
Balance sheet indicators
Net worth
(in ` crore)
Return on average assets (ROAA)
(%)
Return on average shareholder’s fund (ROE)
(%)
Capital adequacy ratio
(%)
Capital adequacy ratio - Tier 1
(%)
Operating indicators
Gross AUM (on and off book)
(in ` crore)
Disbursements
(in ` crore)
Gross NPA
(%)
Net NPA
(%)
Cost-to-income ratio
(%)
Operational indicators
Employee strength
(Nos.)
Business composition in FY 2019-20
Assets Under Management
(%)
Deposits*
(%)
Cost of funds trend
(%)
Average cost of funds 
Average cost of incremental funds
AU Financiers AU Small Finance Bank
Growth 
Decline