Logotype for AU Small Finance Bank Ltd

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.
Logotype for AU Small Finance Bank Ltd
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next AU Small Finance Bank earnings date

Logotype for AU Small Finance Bank Ltd
Q3 25/2623 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next AU Small Finance Bank earnings date

Logotype for AU Small Finance Bank Ltd
Q3 25/2623 Jan, 2026

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.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

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.
App-store-avatar.png play-store-avatar.png
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
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.
App-store-avatar.png play-store-avatar.png
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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