AU Small Finance Bank Ltd

AU Small Finance Bank Q4 FY26 Results: Profit Soars 65% 📈

• Q4 FY26 PAT increased 65% YoY to ₹832 crore

• Full-year FY26 PAT up 25% to ₹2,641 crore

• Net interest income grew 23% YoY to ₹2,582 crore

• Net interest margin expanded to 5.96% (+24 bps QoQ)

• Total deposits increased 23% YoY to ₹1,52,661 crore

• Gross loan portfolio grew 21% YoY to ₹1,40,327 crore

• Asset quality improved: GNPA ratio declined to 2.03% (from 2.30%), NNPA fell to 0.74% (from 0.88%)

• Cost of funds declined to 6.49% (-12 bps QoQ)

• Capital adequacy ratio stood at 18.7% with Tier I capital at 16.9%

• Expanded distribution with 64 new physical touchpoints, totaling 2,790

• Launched first AI-native Loan Origination System for gold loans

• Completed integration of Fincare SFB and filed for universal banking license