AU Small Finance Bank announced its Q3 FY26 results, reporting a 26% year-over-year increase in Profit After Tax (PAT) to ₹668 Crore. The bank demonstrated strong performance across growth, margins, and asset quality. Deposits grew by 23.3% YoY and loans increased by 19.3% YoY. Net Interest Margin (NIM) improved by 25 bps sequentially. The bank continues to focus on sustainable and quality-led growth.
Key Financial Highlights for Q3 FY26
AU Small Finance Bank reported strong financial results for the quarter ended December 31, 2025.
- Net Interest Margin (NIM): Increased by 25bps QoQ to 5.7%.
- Net Interest Income (NII): Grew by 16% YoY to ₹2,341 crore.
- Other Income: Up 17% YoY to ₹724 crore, driven by higher fee income and third-party product distribution.
- PAT: Increased by 26% YoY to ₹668 Cr with Annualized RoA and RoE for Q3 FY26 at 1.6% and 14.3% respectively.
Balance Sheet Highlights
- Deposit Book: Stands at ₹1,38,415 Cr, registering YoY growth of 23.3%.
- Gross Loan Portfolio: Stands at ₹1,29,898 Cr, registering a YoY growth of 19.3%.
- GNPA: Declined sequentially to 2.30%.
9M FY26 Performance
- Net Interest Income (NII): grew 10% YoY to ₹6,530 Crore.
- Profit After Tax (PAT): grew 13% YoY to ₹1,809 Cr.
Other Updates
The bank has appointed three new independent directors and re-appointed one independent director. As part of succession planning, there have been executive changes approved by the board.
Source: BSE
