)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
AU Small Finance Bank
AU Small Finance Bank (AUBANK) investor relations material
AU Small Finance Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary24 Oct, 2026
Executive summary
Q2 FY27 PAT rose 53% YoY to ₹85,768.99 lakh; H1 net profit reached ₹1,65,364.28 lakh, up 45% YoY.
Deposits grew 29% YoY to ₹1.70 lakh crore and gross loan portfolio rose 25% to ₹1.54 lakh crore; asset quality improved, with GNPA at 1.99% and NNPA at 0.81%.
Financial highlights
Q2 NII rose 32% YoY to ₹2,820 crore; net total income increased 26% to ₹3,590 crore.
Core other income grew 16% to ₹736 crore, led by card and transaction-banking fees; treasury income fell 57% to ₹34 crore.
Operating expenses rose 26% to ₹2,077 crore; provisions declined 25% to ₹359 crore, supporting PAT growth.
H1 Core PPOP increased 36% to ₹2,906 crore and provisions fell 28% to ₹731 crore.
Outlook and guidance
Deposit growth target is ~25% YoY, with growth intended to track or exceed loan growth; H1 growth of 29% was above expectations.
FY credit-cost guidance remains close to 90 bps; through-cycle credit costs are expected at 90–100 bps.
Cost-to-assets excluding guarantee premium is expected to improve YoY for FY as operating leverage develops.
Growth ambition is 2–2.5x nominal GDP; mortgage growth is expected to approach 20% next year.
Plans include ~100 liability branches annually and expanding agentic lending journeys; five AI Centre of Excellence processes are planned for H2 FY27.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from AU Small Finance Bank
- Tech-driven growth, robust asset quality, and digital innovation underpin scalable retail banking.AUBANK
Investor presentation - PAT up 37% YoY with strong deposit and loan growth, robust asset quality, and Universal Bank transition.AUBANKQ1 26/27
- Q4 FY26 saw 65% YoY profit growth, improved asset quality, and digital innovation focus.AUBANKQ4 25/26
- Q3 FY26 saw 26% YoY net profit growth, strong deposits, and improved asset quality.AUBANKQ3 25/26
- Strong deposit and loan growth, margin gains, and universal bank transition drive future outlook.AUBANKQ2 25/26
- Q2 FY25 saw strong growth and profitability, with elevated credit costs and robust capital ratios.AUBANKQ2 24/25
- Universal Bank application advanced, Q1 net profit at ₹50,257 lakh, NIM at 6.0%.AUBANKQ1 24/25
- FY25 saw 27% deposit and 20% loan growth, with net profit boosted by the Fincare merger.AUBANKQ4 24/25
- Deposit and loan growth strong, but asset quality pressures persist in unsecured and MFI.AUBANKQ3 24/25
Next AU Small Finance Bank earnings date
Q3 26/2719 Jan, 2027
AU Small Finance Bank
Next AU Small Finance Bank earnings date
Q3 26/2719 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
AU Small Finance Bank Ltd provides retail and commercial banking services. Its offerings include loans, savings accounts, insurance, and investment services with a focus on underserved and rural segments. The company is headquartered in Jaipur, India, and its shares are listed on the NSE.