| Margins | NIMs improved YoY to 5.9%; cost of funds bottomed out. |
|---|---|
| Demand visibility | Healthy credit growth across segments; strong demand in new vehicle segment. |
| Management confidence | High; citing diversified franchise and strong execution capabilities. |
Growth
Deposits grew 24% YoY to ₹1.58 lakh Cr; Loan portfolio increased 23% YoY. Net Interest Margin (NIM) improved 47 bps YoY to 5.9%.
Outlook
Targeting 1.8% ROA. Management expects growth to compound at 2-2.5x of India's nominal GDP over the next decade. Technology spend is ~12-13% of opex.
Risks
Heightened competition for deposits, tight liquidity conditions, and geopolitical uncertainty from West Asia crisis impacting the macro environment.
Last quarter's promises, checked
Delivered
- Guided ROA 1.8% → delivered 1.8% (= BEAT)
- Guided cost to assets <4% → delivered 4.1% full year (= BEAT)
- Guided growth 2-2.5x GDP → delivered 21% loan growth (= BEAT)
Partly delivered
- Guided credit cost ~90 bps → delivered 96 bps full year (= PARTIAL)
Investor Presentation filed with BSE, 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.