AU Small Finance Bank Announces Q3’FY26/9M’FY26 Financial Results: PAT up 26% YoY at INR 668 Cr, RoA at 1.6% and RoE at 14.3%

AU Small Finance Bank has announced its Q3’FY26 and 9M’FY26 financial results. The bank reported a profit after tax (PAT) of INR 668 Cr, representing a 26% year-over-year (YoY) growth. The return on assets (RoA) stood at 1.6%, and the return on equity (RoE) was 14.3%. The bank’s net interest margin (NIM) increased by 25bps QoQ to 5.7%, and the cost of funds (CoF) declined by 22bps QoQ to 6.61%. The bank’s net interest income (NII) grew by 16% YoY to INR 2,341 crore, and other income increased by 17% YoY to INR 724 crore. The total opex excluding exceptional items grew 27% YoY to INR 1,830 crore. The bank’s deposit book stands at INR 1,38,415 Cr, registering a YoY growth of 23.3%, and the gross loan portfolio stands at INR 1,29,898 Cr, registering a YoY growth of 19.3%. The bank’s gross non-performing assets (GNPA) declined sequentially to 2.30%, and the net non-performing assets (NPA) stood stable at 0.88%.