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AU Small Finance Bank
AU Small Finance Bank (AUBANK) investor relations material
AU Small Finance Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary20 Jan, 2026
Executive summary
Q3 FY26 marked 35 quarters of operations, with strong conviction in scaling responsibly as the bank transitions toward a universal banking platform.
Achieved strong Q3'FY26 performance with 26% YoY PAT growth to ₹668 Cr, RoA at 1.6%, and RoE at 14.3%.
Strategic initiatives included new product launches for chartered accountants and women, expanded distribution, and onboarding new brand ambassadors.
Leadership changes and succession planning were implemented to deepen governance and reduce key-person dependency.
Technology and AI investments are driving operational efficiency and digital engagement.
Financial highlights
Deposits grew 23.3% YoY to ₹1,38,415 Cr, outpacing system growth at 1.8x; loan portfolio up 19.3% YoY.
Net profit for Q3 FY26 was ₹66,766 lakh, up from ₹52,845 lakh in Q3 FY25; PAT for Q3 was INR 668 crore.
Margins expanded 25 bps QoQ to 5.7%, driven by a 22 bps decline in cost of funds and CRR cut benefits.
GNPA ratio declined 11 bps to 2.3%; annualized credit cost for Q3 fell 41 bps to 78 bps of average assets.
Net interest income rose 16% YoY and 9% QoQ to ₹2,341 Cr; core other income up 22% YoY.
Outlook and guidance
Loan growth targeted at 2.25–2.5x nominal GDP, aiming for 20–22% growth in the coming year.
Credit cost guidance for FY26 maintained at 1% of average assets.
Cost-to-income ratio expected to remain below 60%, ideally 56–57% for the next year.
ROA target of 1.8% on a sustainable basis by FY27.
Received in-principle RBI approval for transition to Universal Bank, valid for 18 months, requiring promoter share transfer to a NOFHC.
How does new WTD strengthen risk oversight?
Next steps for Universal Bank transition?
What drives the ESOP options increase?
MFI and credit card growth outlook?
Achieving sub-60% cost-to-income ratio
Universal banking platform impact on strategy?
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Next AU Small Finance Bank earnings date
Q4 25/2622 Apr, 2026
AU Small Finance Bank
Next AU Small Finance Bank earnings date
Q4 25/2622 Apr, 2026
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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.
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