Mumbai: The Board of Directors of AU Small Finance Bank Limited at its meeting held today approved the financial results for the quarter ended 30th June 2026.
Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said, “Indian economy continues to remain resilient despite a challenging quarter marked by geopolitical uncertainties. I thank the Government and regulators for their proactive measures in safeguarding the economy from any major direct impact. Against this macroeconomic backdrop, the Bank delivered a strong and well-rounded performance, with healthy growth in both deposits and advances alongside improved profitability. This reflects the investments made in strengthening the franchise, particularly over the last two years, through expanded distribution, enhanced technology capabilities, stronger product offerings and high-quality talent pool build-out.
What is particularly encouraging is the continued improvement in both the quality of growth and the quality of earnings. Our performance is increasingly being driven by the underlying strength of the franchise and disciplined execution, rather than cyclical or one-off factors. While we remain mindful of the evolving macro environment, our strong capital and liquidity buffers, robust underwriting capabilities, and deepening franchise strengths provide the resilience to manage uncertainties and the flexibility to capture opportunities responsibly. As we continue to build a stronger, more diversified institution, we remain committed to delivering consistent, high-quality growth and creating enduring value for all our stakeholders.”
Q1’FY27 highlights
• NII grew by 32% YoY to ₹2,695 cr
• NIM increased by 47 bps YoY to 5.9% in Q1’FY27
• Cost of funds decreased by 60 bps YoY to 6.48%
• Other income de-grew by 15% YoY to ₹689 cr; core other income grew by 33% YoY to ₹680 cr
• Operating expenses grew by 26% YoY to ₹1,949 cr
• Core operating profit (PPoP) grew by 41% YoY to ₹1,426 cr
• Provisions were down 30% YoY to ₹371 cr
• PAT was up 37% YoY to ₹796 cr
• EPS for the quarter stood at ₹11, whereas BVPS stood at ₹279
• ROA and ROE for the quarter were 1.7% and 15.6%
Key other updates
Yogesh Jain as Deputy CEO: Pursuant to the recommendation of the Nomination and Remuneration Committee, Board of Directors approved the elevation of Yogesh Jain, currently
serving as Chief Operating Officer, as Deputy CEO of the Bank w.e.f. July 25, 2026.
