AUBANK / Q4-FY25 / claim-ledger

Audit the questions that mattered.

AU Small Finance Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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WatchQ4-FY25 · 2025-04-22Back to quarter ↗

Questions audited

Answered directly

75%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Ranish · ICICI Bank

direct

Will AU cut deposit rates in line with system after 50 bps repo cut?

We already have cut down on our term deposit rates by 25 basis points. We already have rationalized our savings account buckets. We are not giving now the peak rate around savings is now 7% instead of 7.25%.

Ranish · ICICI Bank

evasive

Will NIM sustain between 5.5%-6% in FY26?

If you ask me as of now, the next year, the lever is on the credit cost. The challenge is on NIMs. As of now, it's so difficult to predict whether we'll go down by 10 basis points or 20 basis points or 30 basis points.

Kunal Shah · Citigroup

direct

Will credit cost remain elevated in coming quarters due to MFI and unsecured?

Fundamentally, no year change. As I said last time, we expected that the Q3 and Q4 of last year would be the highest level of credit cost as a quarter basis. They will gradually decline from a Q1 to a Q2 perspective.

Kunal Shah · Citigroup

direct

What is the timeline for universal bank license?

I would say this calendar year.

Piran Engineer · CLSA

declined

How much of INR 894 crore slippage was from Wheels portfolio?

We do not give individually portfolio-wise data.

Pritesh Bumb · DAM Capital Advisors

partial

Why did bulk deposits grow strongly despite comfortable CD ratio?

Not really. I think the whole system was like this. The CASA and CASA remain under pressure, right? We also have grown our retail deposits, right? I think the heavy lifting has been done through wholesale deposits.

Anand Swaminathan · Bank of America

direct

Will 2-2.5x system growth guidance hold after universal bank license?

There is nothing as such rule or compulsion from anybody to grow in that kind of numbers. It is based on the positioning of us that we are around INR 1.5 lakh crore of assets. We can grow in the range of 25%.

Anand Swaminathan · Bank of America

direct

When do you expect to raise capital next?

We want to relate that with our universal license decision. Yeah. So it will be after universal bank license you get? That's our desire.

Nidhesh Jain · Investec Bank

direct

What changes were made to credit card business and when will sourcing pick up?

We have taken complete course correction. We have put in a lot many gated conditions. We also have not allowing customers to misuse the card. You will see that issuance coming up to be maybe around 20,000 per month maybe post-September.

Nithin Agarwal · Motilal Oswal Financial Services Ltd

direct

How comfortable are you with ROA guidance for FY27 given recent turbulence?

Next year, which is 2026-2027, I'm pretty sure that whatever we have guided you in a year back should get utilized. I think put all together, if you put all the math in place, we are above 1.8.

Rahul Jain · Goldman Sachs

direct

How much more credit cost provision is left in credit card book?

I do not think that any specific provision is required from here onwards to really address any additional credit card cost.

Ashlesh Sonje · Kotak Securities

partial

What is the collection trend in MFI in April?

I am fairly confident that Q1 will be better than Q4 year of the breakup of all the numbers across quarters. Q4 was 98.7. I expect clearly Q1 to be better. We are tracking April quite well at this point of time.