| Management target | Revenue 25.0% FY27 |
|---|
| Revenue growth | Total deposits up 29% YoY; loans grew 25% YoY. |
|---|---|
| Margins | NIMs at 5.8%, down 9bps QoQ due to liquidity buffer. |
| Demand visibility | Credit demand remains healthy across vehicle and commercial banking segments. |
| Management confidence | Confident but watchful regarding liquidity and deposit pricing competition. |
Growth
Deposits grew 29% YoY with CASA up 29% YoY. Loan portfolio increased 25% YoY, led by secured retail assets.
Outlook
Management targets sustaining 25% loan growth and improving the cost-to-assets ratio over the full year.
Risks
Rising cost of funds and intense competition for deposits. Potential asset quality pressure in unsecured segments if macro conditions worsen.
Earnings Call Transcript filed with NSE, NSE: AUBANK. Summary written with AI assistance from the document.
Au Small Finance Bank Ltd: key numbers
- Share price
- ₹879.10
- Market cap
- ₹66,088 Cr
- Revenue (annual)
- ₹18,636 Cr
- Net profit (annual)
- ₹2,641 Cr
- P/E (TTM)
- 21.0×Sector 19.7×
- Promoter holding
- 22.67%-0.07% QoQ
- FII holding
- 36.06%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 Results Update
AU Small Finance Bank filed a press release on its unaudited Q2 and H1 FY27 results, reporting PAT up 53% YoY to ₹858 cr. The filing is a continuation of the results disclosure, with the results figures themselves carried in the release.
Au Small Finance Bank Q2 FY27 Results: Net Profit ₹857.7 Cr, Up 52.9% YoY
Au Small Finance Bank Ltd reported revenue from operations of ₹5,612 Cr (+24.4% YoY) and net profit of ₹857.7 Cr (+52.9% YoY) for Q2 FY27.
- Key figure
- Net profit ₹857.7 Cr · +52.9% YoY
Au Small Finance Bank Debt & Borrowing: ₹0.53 Cr
AU Small Finance Bank paid Rs.0.53 Crore monthly interest on its 10.70% NCDs on the due date. Payment frequency is unchanged.
- Value
- ₹0.53 Cr
Au Small Finance Bank Other Announcement
This is a quarterly shareholding pattern filing providing updated stake details for AU Small Finance Bank Ltd as of September 30, 2026.
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 4,03,913 equity shares following the exercise of employee stock options. This increases the bank's total paid-up equity share capital.
Au Small Finance Bank Board Meeting Date
AU Small Finance Bank will hold a board meeting on October 24, 2026, to consider and approve its unaudited financial results for the quarter ended September 30, 2026.