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Visual22 Oct 2025
Epiroc's cash spent on M&A
AU Small Finance Bank (AUBANK) investor relations material
AU Small Finance Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary17 Oct, 2025
Executive summary
Received in-principle approval from RBI to transition to a universal bank, with an 18-month transition period, expected to enhance brand, depositor trust, and unlock growth and operational benefits.
Marked 34 quarters of banking operations and 30 years as a financial franchise, with a focus on resilience, sustainable growth, and a retail-focused, tech-led, customer-centric model.
Achieved resilient performance in Q2'FY26 amid mixed economic sentiment, with strong deposit and loan growth outpacing sector averages.
Unaudited financial results for the quarter and half year ended September 30, 2025, were approved by the Board of Directors on October 17, 2025.
Re-appointment of Mr. Sanjay Agarwal as Managing Director & CEO for three years from April 19, 2026, subject to shareholder and RBI approval.
Financial highlights
Profit after tax for Q2 was ₹561 crore; H1 profit after tax grew 6% YoY to ₹1,142 crore; total income for Q2 FY26 was ₹522,387 lakh, up from ₹454,858 lakh in Q2 FY25.
Net interest margin (NIM) expanded by 5 bps QoQ to 5.5%, driven by a 25 bps reduction in cost of funds.
Deposit book grew 21% YoY to ₹1,32,509 Cr, nearly double the system growth rate; loan portfolio (ex-unsecured) grew 22% YoY to ₹1,22,877 Cr.
Credit costs declined to ₹481 crore in Q2 from ₹533 crore in Q1; H1 credit cost at 0.64% annualized.
Operating profit before provisions for Q2 FY26 was ₹120,972 lakh, up from ₹113,177 lakh in Q2 FY25.
Outlook and guidance
Expect continued NIM expansion and margin improvement in coming quarters as deposit repricing continues.
Full-year credit cost expected to remain within 1% of average total assets, with unsecured credit quality stabilizing and portfolio growth expected to resume.
Loan growth guidance maintained at 2x-2.5x nominal GDP, with cost-to-income ratio targeted below 60% and OpEx/assets below 4.3%.
Universal bank transition anticipated to enhance brand, deposit access, and product suite acceptance.
Impact of universal bank transition on promoters?
COVID-19 restructured loans: residual risk?
Digital Banking segment's profitability trend?
Universal bank: any shift in asset mix strategy?
Credit cost trajectory beyond current fiscal?
OpEx control with distribution expansion?
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Next AU Small Finance Bank earnings date
Q3 25/2623 Jan, 2026
Next AU Small Finance Bank earnings date
Q3 25/2623 Jan, 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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