AU Small Finance Bank Q2 FY27: PAT ₹796 Cr & Rev ₹2,695 Cr

1 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

Investor Takeaways

Net Profit increased 37% YoY to ₹796 crore

Net Interest Income grew 32% YoY to ₹2,695 crore

Net Interest Margin expanded by 47 basis points to 5.9%

Provisions declined by 30% YoY

Return on Assets (annualized) reached 1.7%

Return on Equity reached 15.6%

Deposits grew 24% YoY to ₹1.58 lakh crore

Loans expanded 23% YoY to ₹1.44 lakh crore

Mr. Yogesh Jain elevated to Deputy CEO effective July 25, 2026

Board highlighted ongoing investments in AI and technology

Overall Tone: Positive

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹2,695 Cr	32%
Net Profit	₹796 Cr	37%
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

AU Small Finance Bank reported Q1 FY27 results demonstrating robust and sustainable growth across key financial metrics. Net Profit rose 37% YoY to ₹796 crore, while Net Interest Income increased 32% to ₹2,695 crore, indicating strong core business expansion. The bank’s Net Interest Margin improved by 47 basis points to 5.9%, reflecting effective interest rate management and operational efficiency. A significant reduction in provisions by 30% YoY underscores improved asset quality and lower credit risk. Deposits grew 24% to ₹1.58 lakh crore, and loans expanded 23% to ₹1.44 lakh crore, signaling successful customer acquisition and credit deployment. The bank’s financial health is further supported by an annualized Return on Assets of 1.7% and Return on Equity of 15.6%, both indicative of strong profitability relative to capital. Leadership continuity was reinforced with the elevation of Mr. Yogesh Jain to Deputy CEO, effective July 25, 2026, ensuring strategic continuity. Additionally, the bank emphasized ongoing investments in artificial intelligence and technology infrastructure to enhance operational efficiency and customer experience, positioning it for long-term competitive advantage. These developments collectively reflect a well-managed, growth-oriented institution with improving margins, disciplined risk management, and forward-looking technological modernization.

Peer Comparison

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

AU Small Finance Bank trades at a higher P/E multiple compared to HDFC Bank, ICICI Bank, and SBI, suggesting market expectations of higher future growth. However, peer ROE and ROCE data are not directly comparable due to missing or N/A values for the bank and some peers.

Risks & Concerns

No specific risks identified in this filing.

No quarterly trend data provided for YoY or sequential analysis.

Peer ROE and ROCE figures are marked as N/A, limiting direct comparative assessment of profitability and efficiency.

Quarterly Trend

Not available

(No quarterly trend data was provided in the context; therefore, this section is omitted per instructions.)

2 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
Audio recording of conference call on unaudited Q1 results made available

💡 Investor Takeaway
The call recording provides insights into the bank's performance and outlook for shareholders.

AU Small Finance Bank announced that the audio recording of its conference call discussing unaudited financial results for the quarter ended June 30, 2026 is now available on its investor relations website at https://www.au.bank.in/investors/quarterly-reports.

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About AU Small Finance Bank Limited (AUBANK)

Financial Services · Banks · Listed on NSE

Market Cap: ₹74,144.43 Cr P/E: 28.1

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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