AU Small Finance Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

13,617.20

11,793.13

7,725.21

5,930.55

4,254.70

3,657.68

3,102.44

Income On Investments

1,939.40

1,619.82

1,162.63

862.93

553.19

590.74

453.51

Interest On Balances With Rbi Other Inter Bank Funds

69.97

47.17

51.33

44.78

62.57

66.41

14.49

Interest / Discount On Advances / Bills

11,467.51

9,812.82

6,199.02

4,961.95

3,501.70

2,905.09

2,462.11

Others

140.31

313.33

312.24

60.89

137.24

95.45

172.31

Other Income

2,246.99

1,765.65

1,156.13

701.40

682.32

1,172.14

522.95

Total Income

15,864.17

13,558.78

8,881.34

6,631.96

4,937.01

4,829.82

3,625.38

Interest Expended

7,086.84

5,875.48

3,905.16

2,718.48

1,957.13

1,948.07

1,748.43

Net Interest Income

6,530.36

5,917.65

3,820.05

3,212.07

2,297.57

1,709.61

1,354.01

Total Expenditure (Excl Depreciation)

5,040.09

4,394.88

3,159.51

2,464.93

1,647.17

1,099.77

995.55

Employee Cost

2,803.25

2,330.29

1,547.81

1,310.51

965.26

643.35

555.14

Other Operating Expenses

2,236.84

2,064.59

1,611.70

1,154.42

681.91

456.42

440.41

Operating Profit Before Provisions and Contingencies

3,737.24

3,288.42

1,816.68

1,448.56

1,332.71

1,781.99

881.39

Exceptional Items

0.00

Provisions and contingencies

1,345.28

1,157.52

272.09

113.96

267.75

519.52

132.63

Profit Before Tax

2,391.97

2,130.91

1,544.59

1,334.60

1,064.96

1,262.48

748.76

Tax

582.58

528.67

380.61

331.30

281.21

260.77

196.30

Profit After Tax

1,809.39

1,602.23

1,163.98

1,003.30

783.76

1,001.71

552.46

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,809.39

1,602.23

1,163.98

1,003.30

783.76

1,001.71

552.46

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

8.87

7.08

5.58

5.87

9.54

7.77

6.35

Operating Profit Margin (Excl OI)

62.99%

62.73%

59.1%

58.44%

61.29%

69.93%

67.91%

Gross Profit Margin

0.0%

PAT Margin

13.29%

13.59%

15.07%

16.92%

18.42%

27.39%

17.81%

Net Interest Margin

5.7%

5.9%

5.5%

6.2%

6.3%

5.9%

0.0%

Return on Assets

0.39%

0.37%

0.38%

0.5%

0.54%

1.06%

0.51%

CASA (%)

29.0%

31.0%

33.0%

38.0%

39.0%

22.0%

17.0%

CASA Amount

39,947.00

34,402.00

26,446.00

23,471.00

17,379.00

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

83.0%

80.0%

72.0%

74.0%

51.0%

76.0%

46.8%

Amount of Gross NPAs

2,880.54

2,335.51

1,339.68

1,018.86

1,057.57

302.74

504.00

Amount of Net NPAs

1,091.46

905.60

456.16

284.56

520.18

72.69

268.14

% of Net NPAs

0.88%

0.91%

0.68%

0.51%

1.29%

0.24%

1.01%

% of Gross NPAs

2.3%

2.31%

1.98%

1.81%

2.6%

0.99%

1.88%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

742.0

674.0

495.0

489.0

496.0

341.0

310.0

Number of Branches

2726.0

2400.0

1049.0

1015.0

863.0

714.0

496.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 15.47% vs 52.66% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is 12.93% vs 37.65% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 13.65% vs 81.01% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.03% vs 0.23% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.01% vs 0.33% in Dec 2024

Compare Nine Monthly Results Of AU Small Finance With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

13,617.20

5,053.07

8,564.13

169.48%

Income On Investments

1,939.40

614.30

1,325.10

215.71%

Interest On Balances With Rbi Other Inter Bank Funds

69.97

13.65

56.32

412.6%

Interest / Discount On Advances / Bills

11,467.51

4,419.13

7,048.38

159.5%

Others

140.31

5.99

134.32

2242.4%

Other Income

2,246.99

800.82

1,446.17

180.59%

Total Income

15,864.17

5,853.89

10,010.28

171.0%

Interest Expended

7,086.84

2,274.97

4,811.87

211.51%

Net Interest Income

6,530.36

2,778.10

3,752.26

135.07%

Total Expenditure (Excl Depreciation)

5,040.09

2,383.40

2,656.69

111.47%

Employee Cost

2,803.25

1,321.02

1,482.23

112.2%

Other Operating Expenses

2,236.84

1,062.38

1,174.46

110.55%

Operating Profit Before Provisions and Contingencies

3,737.24

1,195.52

2,541.72

212.6%

Exceptional Items

0.00

Provisions and contingencies

1,345.28

655.24

690.04

105.31%

Profit Before Tax

2,391.97

540.28

1,851.69

342.73%

Tax

582.58

129.62

452.96

349.45%

Profit After Tax

1,809.39

410.66

1,398.73

340.61%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,809.39

410.66

1,398.73

340.61%

Face Value

10.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

13.29%

8.13%

0.00

5.16%

Net Interest Margin

5.70%

8.20%

-2.50

-2.50%

Return on Assets

0.39%

1.50%

-1.11

-1.11%

CASA (%)

29.00%

0.00%

29.00

29.00%

CASA Amount

39,947.00

11,535.00

28,412.00

246.31%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

83.00%

76.00%

7.00

7.00%

Amount of Gross NPAs

2,880.54

879.39

2,001.15

227.56%

Amount of Net NPAs

1,091.46

208.08

883.38

424.54%

% of Net NPAs

0.88%

0.57%

0.31

0.31%

% of Gross NPAs

2.30%

2.39%

-0.09

-0.09%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

742.00

613.00

129.00

21.04%

Number of Branches

2,726.00

777.00

1,949.00

250.84%

Nine Monthly - Interest Earned

Interest Earned 13617.2 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 15.47% vs 52.66% in Dec 2024

Nine Monthly - Net Profit

Net Profit 1,809.39 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 12.93% vs 37.65% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 3,737.24 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 13.65% vs 81.01% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.88%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.03% vs 0.23% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.30%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.01% vs 0.33% in Dec 2024