AU Small Finance Bank Limited — Q3 FY24
AU Small Finance Bank reported Q3 FY24 results in line with expectations, with balance sheet crossing INR 100,000 crore and deposits growing 31% YoY to over INR 80,000 crore.
neutral
medium
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q2 FY24
Full-year loan growth of 25-26%
Management guided for on-balance sheet advances growth of 25-26% for FY24, driven by liability growth.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY24
NIM within guided range for FY24
NIM of 5.5% in Q2 remains within the guided range for the full year, despite structural pressure.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY24
Cost-to-income ratio similar to FY23
Full-year cost-to-income ratio expected to land similar to last financial year, despite investments.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1