AU Small Finance Bank Limited (AUBANK) — Financial Results

1 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
AU Small Finance Bank reports 25% YoY PAT growth to ₹2,641 crore for FY26

🔄 What Changed
25% PAT growth, 23% deposit growth to ₹1,52,661 crore, 21% advance growth to ₹1,40,327 crore, gross NPA down to 2.03%, net NPA to 0.74%, RoE at 17%

💡 Investor Takeaway
Strong PAT growth and deposit expansion signal improving profitability and market traction, though growth moderation in unsecured segments warrants monitoring

AU Small Finance Bank reported a 25% YoY rise in full-year profit after tax to ₹2,641 crore for FY26, driven by 23% deposit growth to ₹1,52,661 crore and 21% YoY advance expansion to ₹1,40,327 crore. Net interest margin held steady at 5.96% while return on equity improved to 17%. The bank strengthened asset quality with gross NPA declining to 2.03% and net NPA to 0.74%, supported by 85% provision coverage. Customer base grew to 122.4 lakh, with secured retail loans comprising 66% of the portfolio. Strategic investments in AI, cloud infrastructure, and digital platforms underpin growth, alongside recognition as a top workplace and ESG leader.

2 Financial Results 🔴 High Importance Neutral 📄 PDF

Revenue: ₹2,582 CrNet Profit: ₹2,641 Cr

📢 Key Event
AU Small Finance Bank announced audited FY26 financial results with strong profit growth and AI initiatives.

🔄 What Changed
Net profit up 25% YoY to ₹2,641 cr; Q4 PAT up 65% YoY to ₹832 cr; NII up 23% YoY to ₹2,582 cr; NIM up 24bps QoQ to 5.96%; deposits up 23% YoY to ₹1,52,661 cr; GNPA improved to 2.03%; dividend declared ₹1 per share; AI-native loan origination system launched.

🔮 What's Next
The Board approved reappointment of Sanjay Agarwal as MD & CEO for three years effective April 19, 2026; appointed Gaurav Jain as CFO effective April 27, 2026; awaited regulatory approval for Universal Bank transition; continued AI integration across credit, fraud, and customer service.

💡 Investor Takeaway
Strong profit growth and improving asset quality support confidence in the bank's trajectory toward Universal Banking.

AU Small Finance Bank reported FY26 net profit of ₹2,641 crores, up 25% YoY, with Q4 PAT at ₹832 crores, up 65% YoY, driven by 23% YoY growth in net interest income to ₹2,582 crores and 10% QoQ rise in NIM to 5.96%. Deposits grew 23% YoY to ₹1,52,661 crores, while GNPA improved to 2.03% from 2.30%. The bank declared a dividend of ₹1 per share and launched its first AI-native loan origination system for gold loans.

3 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
Audio recording of conference call made available

💡 Investor Takeaway
Shareholders can access the call recording to review management commentary on audited results.

AU Small Finance Bank announced that the audio recording of its conference call discussing audited financial results for the quarter and financial year ended March 31, 2026 is now available on its investor website at https://www.au.bank.in/investors/quarterly-reports.

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