AU Small Finance Bank Ltd

AU Small Finance Bank Eyes Universal Bank Transition 🏦 | Key Financials & RBI Approval

- Received in-principle approval from RBI (Aug 7, 2025) to transition to universal bank within 18 months

- Advances grew to ₹129,898 crore as of December 31, 2025, with retail assets comprising 78% of the portfolio

- Deposits reached ₹138,415 crore as of December 31, 2025, though CASA ratio declined to 28.9%

- Profit after tax for nine months of fiscal 2026 was ₹1,809 crore (RoA 1.5%)

- Profit after tax for fiscal 2025 was ₹2,106 crore (RoA 1.6%)

- Asset quality showed slight deterioration: Gross NPA increased to 2.3% and Net NPA to 0.9% as of December 31, 2025

- Net worth stood at ₹19,085 crore as of December 31, 2025, with capital adequacy ratios of 19% (overall) and 17.1% (Tier-1)

- ESG initiatives include green deposits raising over ₹1,170 crore and priority sector lending at 79%