)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
AU Small Finance Bank (AUBANK) investor relations material
AU Small Finance Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary19 Jul, 2025
Executive summary
Achieved 31% YoY deposit growth and 18% YoY loan growth, outpacing sector averages despite a seasonally muted quarter and subdued macro environment.
PAT grew 16% YoY to ₹581 Cr; ROA at 1.5% and ROE at 13.3%, with EPS up 15% YoY.
Maintained stable CASA ratio at 29.2% and improved cost of funds to 7.08%.
Asset quality saw seasonal weakness; GNPA increased to 2.47% and net NPA to 0.88%.
Board strengthened with two new independent directors; RBI evaluation ongoing for universal banking license.
Financial highlights
Deposit base reached INR 127,000 crore (+31% YoY); CASA growth at 16% YoY.
Loan portfolio at INR 117,000 crore (+18% YoY), led by secured segments (88–90% of book, +22% YoY).
Net interest margin declined to 5.4% (down 38 bps QoQ, down from 6.0% YoY) due to lower asset yields and investment returns.
PPOP up 38% YoY to ₹1,312 Cr; cost-to-income ratio improved to 54%.
Credit costs elevated, mainly from unsecured and south-based mortgage segments; full-year credit cost guidance raised to ~1% of average assets.
Outlook and guidance
Reiterated 1.8% ROA target for FY27; expect Q2 to be NIM bottom, with gradual margin recovery from Q3.
Loan growth to remain 2–2.5x nominal GDP, with secured segments as main drivers.
Mortgages targeted to grow 17–18% in FY26, 20%+ in subsequent years; MFI book expected to stabilize and grow 5% in FY25.
Full-year credit cost expectation increased by 10–15 bps due to MFI and South-based mortgage stress.
Focus on expanding product presence within existing touchpoints and leveraging technology for productivity.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next AU Small Finance Bank earnings date
Q2 25/2617 Oct, 2025
Next AU Small Finance Bank earnings date
Q2 25/2617 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage