AU Small Finance Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

5,302.74

5,019.15

4,727.47

4,511.28

4,378.44

4,270.60

4,113.48

Income On Investments

750.60

707.81

650.04

644.39

644.96

618.36

568.52

Interest On Balances With Rbi Other Inter Bank Funds

23.53

22.58

23.40

29.53

17.04

21.98

18.56

Interest / Discount On Advances / Bills

4,510.48

4,243.60

4,016.36

3,786.23

3,664.92

3,555.53

3,441.21

Others

18.13

45.16

37.66

51.12

51.53

74.73

85.19

Other Income

689.22

730.95

723.80

712.58

810.61

760.67

618.41

Total Income

5,991.96

5,750.10

5,451.26

5,223.87

5,189.05

5,031.27

4,731.89

Interest Expended

2,607.24

2,436.82

2,386.20

2,366.87

2,333.77

2,176.68

2,090.77

Net Interest Income

2,695.50

2,582.33

2,341.27

2,144.41

2,044.67

2,093.92

2,022.71

Total Expenditure (Excl Depreciation)

1,949.24

1,961.76

1,849.75

1,647.28

1,543.07

1,562.33

1,436.21

Employee Cost

1,063.92

1,044.91

1,019.01

918.71

865.53

817.47

754.66

Other Operating Expenses

885.32

916.85

830.74

728.57

677.54

744.86

681.55

Operating Profit Before Provisions and Contingencies

1,435.47

1,351.52

1,215.31

1,209.72

1,312.21

1,292.26

1,204.91

Exceptional Items

0.00

Provisions and contingencies

371.49

269.43

331.14

480.83

533.31

635.11

501.68

Profit Before Tax

1,063.99

1,082.08

884.17

728.89

778.90

657.15

703.23

Tax

268.03

250.21

216.51

168.02

198.05

153.45

174.78

Profit After Tax

795.95

831.87

667.66

560.87

580.86

503.70

528.45

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

795.95

831.87

667.66

560.87

580.86

503.70

528.45

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

10.63

11.12

8.94

7.52

7.79

6.77

7.1

Diluted Earnings per share

10.51

11.01

8.87

7.48

7.78

6.75

7.08

Operating Profit Margin (Excl OI)

56.24%

55.55%

53.87%

52.83%

52.58%

48.54%

52.89%

Gross Profit Margin

20.06%

21.56%

18.7%

16.16%

17.79%

15.39%

17.1%

PAT Margin

15.01%

16.57%

14.12%

12.43%

13.27%

11.79%

12.85%

Net Interest Margin

5.9%

6.0%

5.7%

5.5%

5.4%

5.8%

5.9%

Return on Assets

0.42%

0.45%

0.39%

0.35%

0.37%

0.34%

0.37%

CASA (%)

29.0%

28.0%

29.0%

29.4%

29.2%

31.0%

CASA Amount

45,400.00

43,357.00

39,947.00

39,000.00

37,241.00

36,253.00

34,402.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

85.0%

83.0%

84.0%

83.0%

84.0%

80.0%

Amount of Gross NPAs

2,948.19

2,755.64

2,880.54

2,835.34

2,751.32

2,477.03

2,335.51

Amount of Net NPAs

1,059.62

989.90

1,091.46

1,015.66

971.34

791.34

905.60

% of Net NPAs

0.76%

0.74%

0.88%

0.74%

0.91%

% of Gross NPAs

2.1%

2.03%

2.3%

2.41%

2.47%

2.28%

2.31%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

778.0

762.0

742.0

707.0

678.0

677.0

674.0

Number of Branches

2920.0

2790.0

2726.0

2626.0

2505.0

2456.0

2400.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Jun 2026 is 21.11% vs 16.17% in Jun 2025

Net Profit

YoY Growth in quarter ended Jun 2026 is 37.03% vs 15.58% in Jun 2025

Operating Profit (PBDIT)

YoY Growth in quarter ended Jun 2026 is 9.39% vs 37.87% in Jun 2025

% of Net NPAs

YoY Growth in quarter ended Jun 2026 is -0.12% vs 0.25% in Jun 2025

% of Gross NPAs

YoY Growth in quarter ended Jun 2026 is -0.37% vs 0.69% in Jun 2025

Compare Quarterly Results Of AU Small Finance With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

5,302.74

2,024.92

3,277.82

161.87%

Income On Investments

750.60

222.17

528.43

237.85%

Interest On Balances With Rbi Other Inter Bank Funds

23.53

8.90

14.63

164.38%

Interest / Discount On Advances / Bills

4,510.48

1,792.11

2,718.37

151.69%

Others

18.13

1.74

16.39

941.95%

Other Income

689.22

256.01

433.21

169.22%

Total Income

5,991.96

2,280.93

3,711.03

162.7%

Interest Expended

2,607.24

837.57

1,769.67

211.29%

Net Interest Income

2,695.50

1,187.35

1,508.15

127.02%

Total Expenditure (Excl Depreciation)

1,949.24

895.30

1,053.94

117.72%

Employee Cost

1,063.92

503.56

560.36

111.28%

Other Operating Expenses

885.32

391.74

493.58

126.0%

Operating Profit Before Provisions and Contingencies

1,435.47

548.06

887.41

161.92%

Exceptional Items

0.00

Provisions and contingencies

371.49

127.32

244.17

191.78%

Profit Before Tax

1,063.99

420.74

643.25

152.89%

Tax

268.03

104.20

163.83

157.23%

Profit After Tax

795.95

316.54

479.41

151.45%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

795.95

316.54

479.41

151.45%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

10.63

1.63

9.00

552.15%

Diluted Earnings per share

10.51

1.60

8.91

556.88%

Operating Profit Margin (Excl OI)

56.24%

49.50%

0.00

6.74%

Gross Profit Margin

20.06%

20.78%

0.00

-0.72%

PAT Margin

15.01%

15.63%

0.00

-0.62%

Net Interest Margin

5.90%

8.50%

-2.60

-2.60%

Return on Assets

0.42%

0.53%

-0.11

-0.11%

CASA (%)

29.00%

37.80%

-8.80

-8.80%

CASA Amount

45,400.00

12,930.00

32,470.00

251.12%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

85.00%

0.00

0.00%

Amount of Gross NPAs

2,948.19

923.65

2,024.54

219.19%

Amount of Net NPAs

1,059.62

141.66

917.96

648.0%

% of Net NPAs

0.76%

0.34%

0.42

0.42%

% of Gross NPAs

2.10%

2.16%

-0.06

-0.06%

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

778.00

605.00

173.00

28.6%

Number of Branches

2,920.00

814.00

2,106.00

258.72%

Quarterly - Interest Earned

Interest Earned 5302.74 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 5.65% vs 6.17% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 21.11% vs 16.17% in Jun 2025

Quarterly - Net Profit

Net Profit 795.95 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -4.32% vs 24.59% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 37.03% vs 15.58% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,435.47 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 6.21% vs 11.21% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 9.39% vs 37.87% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.76%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is 0.02% vs -0.14% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.12% vs 0.25% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.10%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is 0.07% vs -0.27% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.37% vs 0.69% in Jun 2025