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. 1

   Deposits grow 23.3% YoY, Loans grow 19.3% YoY

2. 2

   Net Interest Margin (NIM) increased by 25bps QoQ to 5.7%

3. 3

   Cost of Funds (CoF) declined by 22bps QoQ to 6.61%

4. 4

   Net Interest Income (NII) grew by 16% YoY to 22,341 crore

5. 5

   Other income up 17% YoY to 2724 crore

6. 6

   Total opex excl. exception item at 21,830 Cr grew 27% YoY

7. 7

   GNPA declined sequentially to 2.30%

8. 8

   Net NPA stood stable at 0.88% with PCR including technical write-off at 83%