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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.
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.
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