AU Small Finance Bank Limited has informed the Exchange regarding a press release dated July 19, 2025, titled "Press Release on Unaudited Financial Results of AU Small Finance Bank Limited for the Quarter ended on June 30, 2025".
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Awaiting price reaction for this filing.
AU Small Finance Bank reported Q1 FY26 results with Profit After Tax of ₹581 Crore, up 16% YoY from ₹503 Crore. Net Total Income grew 18% YoY to ₹2,855 Crore, while pre-provisioning operating profit jumped 38% YoY to ₹1,312 Crore. Net Interest Income rose 6% to ₹2,045 Crore and other income surged 59% to ₹811 Crore on higher treasury gains. Total deposits grew 31% YoY to ₹1,27,696 Crore and gross loan portfolio rose 18% to ₹1,17,624 Crore, though unsecured lending (microfinance and credit cards) shrank 23% YoY. Asset quality weakened slightly with GNPA at 2.47% and NNPA at 0.88%, while NIM contracted 38 basis points to 5.4% as rate cuts flowed through.
Strong profit growth, deposit expansion, and improved cost-to-income ratio signal operational health, but NIM compression and rising NPAs from the unsecured book may pressure near-term returns. The stock could react positively given steady PAT growth, though investors will watch for improvement in microfinance asset quality and NIM stabilization in coming quarters.