AU Small Finance Bank Limited (AUBANK) Financial Results — Revenue ₹1.58 L Cr

Investor Takeaways

Deposits grew 23.5% YoY to ₹1,57,730 crores

Gross advances grew 25.8% YoY to ₹1,40,460 crores

Gross loan portfolio expanded 22.6% YoY to ₹1,44,250 crores

⚠️ No specific risks identified in this filing

Overall Tone: Neutral based on the numbers only.

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹157730 Cr	N/A
Net Profit	Not available	N/A
EBITDA	Not available	N/A
EPS	Not available
OPM	Not available

What Changed

The filing reports provisional figures for Q1 FY27 showing robust growth in core banking metrics. Total deposits increased 23.5% year-on-year to ₹1,57,730 crores, while gross advances rose 25.8% YoY to ₹1,40,460 crores. The gross loan portfolio expanded by 22.6% YoY to ₹1,44,250 crores, indicating accelerated credit deployment. The CASA ratio stood at 28.8%, reflecting the bank's funding profile. These figures suggest strong momentum in both deposit mobilization and loan growth during the quarter. However, the data is explicitly marked as provisional, requiring validation through final audited results before drawing definitive conclusions about sustainability or operational efficiency.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
AU Small Finance Bank Limited (AUBANK)	28.07	Not available	Not available	74,144.43
HDFC Bank Limited (HDFCBANK)	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited (ICICIBANK)	15.47	N/A%	N/A%	8,92,242
State Bank of India (SBIN)	10.44	N/A%	N/A%	8,89,093.09

AU Small Finance Bank trades at a significant premium to large peers on P/E ratio, reflecting higher growth expectations. However, its ROE and ROCE metrics are not provided in the current filing, limiting direct comparability on profitability and capital efficiency.