| Metric | Value (₹ Cr) | Q2 FY26 | Q3 FY25 |
|---|---|---|---|
| Revenue | 4.7K | 4.8% | 14.9% |
| Total Income | 5.5K | 4.3% | 15.2% |
| Expenditure | 4.2K | 5.5% | 20.1% |
| PBT | 884.17 | 21.3% | 25.7% |
| Net Profit | 667.66 | 19.0% | 26.3% |
| OPM | 25.71% | 1.11pp | |
| NPM | 12.25% | 1.51pp | 1.08pp |
| EPS | 8.94 | 18.9% | 25.9% |
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%
20 Jan 2026 · 20 Jan, 5:33 pm
Summary
AU Small Finance Bank has reported a strong all-round performance with a 26% YoY increase in Profit After Tax (PAT) at INR 668 Cr for the quarter ended on December 31, 2025. The RoA stands at 1.6% and RoE at 14.3%. The bank has seen a 23.3% YoY growth in deposits and 19.3% YoY growth in loans. The Net Interest Margin (NIM) has increased by 25bps QoQ to 5.7%.
Key Highlights
- 1
Deposits grow 23.3% YoY, Loans grow 19.3% YoY
- 2
Net Interest Margin (NIM) increased by 25bps QoQ to 5.7%
- 3
Cost of Funds (CoF) declined by 22bps QoQ to 6.61%
- 4
Net Interest Income (NII) grew by 16% YoY to 22,341 crore
- 5
Other income up 17% YoY to 2724 crore
- 6
Total opex excl. exception item at 21,830 Cr grew 27% YoY
- 7
GNPA declined sequentially to 2.30%
- 8
Net NPA stood stable at 0.88% with PCR including technical write-off at 83%
Management Comments
Not Provided in the Text
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