AU Small Finance Bank Q1FY26: Delivers strong operating performance, Profit up by 16% YoY

AU Small Finance Bank has announced the quarterly financial results of April to June period of FY26. The Bank’s Profit After Tax (PAT) was up 16% YoY at Rs 581 Crore compared to Rs 503 Crore in Q1’FY25

The Bank’s Net Interest Income (NII) grew 6% YoY to Rs 2,045 Crore for Q1’FY26 compared to Rs 1,921 Crore in Q1’FY25.

Other income increased by 59% YoY, aided by higher treasury income, to Rs 811 Crore in Q1’FY26 compared to Rs 509 Crore in Q1’FY25. PAT was up 16% YoY for Q1’FY26 at Rs 581 Crore vs. Rs 503 Crore in Q1’FY25.  

The Bank’s Net Interest Margin (NIM) for Q1’FY26 declined by around 38 bps at 5.4% compared to 5.8% in Q4’FY25 and the Cost to Income ratio improved to 54.0% in Q1’FY26 vs. 60.8% in Q1’FY25.

The Bank’s pre-provisioning operating profit (PPoP) for Q1’FY26 grew by 38% YoY to Rs 1,312 Crore compared to Rs 952 Crore in Q1’FY25.

The Bank’s Total Deposits stood at Rs1,27,696 Crore, registering a YoY growth of 31% compared to Rs 97,290 Crore as on Q1’FY25. CASA deposits grew by 16% YoY to Rs 37,241 Crore with CASA ratio at 29.2%. The Bank’s Current deposits have grown by 34% YoY to Rs 6,348 Crore and Savings deposits have grown by 13%.

Meanwhile, the Gross loan portfolio (GLP) stood at Rs 117,624 Crore, registering a YoY growth of 18% compared to Rs 99,792 Crore as on Q1’FY25.