Profit and Loss Account

for the Year Ended March 31, 2020

(` in ‘000)
Particulars Schedule Year Ended
March 31, 2020
Year Ended
March 31, 2019
I. INCOME      
Interest earned 13 4,28,58,843 2,94,91,288
Other income 14 70,60,920 46,19,110
Total Income 4,99,19,763 3,41,10,398
II. EXPENDITURE
Interest expended 15 2,37,69,440 1,60,65,264
Operating expenses 16 1,41,78,585 1,08,26,075
Provisions & contingencies (refer note 9 – Schedule 18A) 52,23,893 34,00,991
III. PROFIT / LOSS
Net profit/(loss) for the year 67,47,845 38,18,068
Add: Balance in Profit/Loss Account brought forward from previous year 1,57,20,275 1,36,58,366
Total 2,24,68,120 1,74,76,434
IV. APPROPRIATIONS
Transfer to Statutory Reserves 16,86,961 9,54,517
Transfer to Special Reserve u/s 36(1)(viii) of Income Tax Act, 1961 (refer Schedule 2.III) 6,70,000 3,78,000
Transfer to Capital Reserve 69,252 27,616
Transfer to Investment Fluctuation Reserve 9,04,349 2,21,200
Dividend paid (includes tax on dividend) 2,64,377 1,74,826
Balance carried over to Balance Sheet 1,88,73,181 1,57,20,275
Total 2,24,68,120 1,74,76,434
V. EARNING PER SHARE (refer note 5 – schedule 18B)
Basic (`) 22.78 13.16
Diluted (`) 22.32 12.90
Nominal value per share (`) 10.00 10.00
Significant accounting policies and notes to accounts forming part of financial statements 17 & 18

The Schedules referred to above form an integral part of the Profit and Loss Account.
As per our attached Report of even date.

For S. R. Batliboi & Associates LLP
Chartered Accountants
ICAI Firm Registration No.: 101049W/E300004

per Sarvesh Warty
Partner Membership No. 121411
Place: Mumbai

Date: May 02, 2020

For and on behalf of the Board of Directors

AU Small Finance Bank Limited

Raj Vikash Verma

(Non-Executive Independent
Part Time Chairman)
Place: New Delhi

Sanjay Agarwal

(Managing Director and CEO)
Place: Jaipur

Uttam Tibrewal

(Whole Time Director)
Place: Mumbai

Vimal Jain

(Chief Financial Officer)
Place: Jaipur

Manmohan Parnami

(Company Secretary)
Place: Jaipur