| Revenue growth | 32% YoY NII growth |
|---|---|
| Margins | NIM expanded 47 bps YoY to 5.9% |
| Order book | Gross Loan Portfolio at ₹1.44 lac Cr |
| Demand visibility | Strong disbursement growth at 42% YoY |
| Management confidence | High; citing strong performance in seasonally soft quarter |
Growth
Net Interest Income grew 32% YoY; Deposits and Loans grew 24% and 23% YoY respectively.
Outlook
Elevated Mr. Yogesh Jain to Deputy CEO; scaling agentic AI platform across all loan journeys.
Risks
Sequential NIM moderation by 7 bps; slight increase in cost-to-assets to 4.0%.
Last quarter's promises, checked
Delivered
- Guided 2x-2.5x nominal GDP growth → delivered 23% Loan growth (= BEAT)
- Guided cost-to-assets ratio < 4% → delivered 4.0% (= BEAT)
- Guided ROA target 1.8% → delivered 1.8% (= BEAT)
Partly delivered
- Guided credit cost ~90 bps → delivered 60 bps (= PARTIAL)
Investor Presentation filed with NSE, NSE: AUBANK. Summary written with AI assistance from the document.
Au Small Finance Bank Ltd: key numbers
- Share price
- ₹1,018.00
- Market cap
- ₹76,489 Cr
- Revenue (annual)
- ₹18,636 Cr
- Net profit (annual)
- ₹2,641 Cr
- P/E (TTM)
- 26.8×Sector 22.0×
- Promoter holding
- 22.74%-0.02% QoQ
- FII holding
- 35.98%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Au Small Finance Bank Ltd
All →Au Small Finance Bank Investor Presentation: Key Takeaways
AU SFB reports steady Q1FY27 growth with Gross Loan Portfolio reaching ₹144k Cr and Deposits at ₹158k Cr. Management strategy focuses on 'in-principle' Universal Bank transition and AI-led operational efficiency.
Au Small Finance Bank Debt & Borrowing: ₹0.55 Cr
AU Small Finance Bank paid ₹0.55 Crore as interest on debentures on the due date.
- Value
- ₹0.55 Cr
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 3,78,830 equity shares pursuant to the exercise of employee stock options. The paid-up equity capital of the bank has increased accordingly.
Au Small Finance Bank Management Change
AU Small Finance Bank has appointed Mr. Anil Agarwal as Senior Executive Group Head - Commercial & Institutional Banking, designated as a Senior Management Personnel.
Au Small Finance Bank Regulatory Approval
AU Small Finance Bank received RBI approval for ICICI Prudential Asset Management Company to acquire up to 9.95% of the Bank's paid-up share capital.
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 4,11,669 equity shares following the exercise of employee stock options. This issuance increases the bank's paid-up equity share capital.