AU Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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Awaiting price reaction for this filing.
AU Small Finance Bank reported Q1 FY26 net profit of ₹580.86 crore, up 15.6% year-on-year from ₹502.57 crore in Q1 FY25, and 15.3% sequentially from ₹503.70 crore in Q4 FY25. Total income grew 21.3% YoY to ₹5,189 crore, driven by a strong 59% jump in other income to ₹811 crore, while interest earned rose 16.1% to ₹4,378 crore. EPS came in at ₹7.80 (vs ₹6.77 YoY). However, asset quality deteriorated sharply: Gross NPAs rose to 2.47% of advances (from 1.78% YoY) and Net NPAs to 0.88% (from 0.63%), while provisioning nearly doubled YoY to ₹533 crore. Capital adequacy ratio stood at 19.42%, slightly lower than 20.06% in Q4 FY25.
Mixed signals for shareholders: healthy profit growth and strong income expansion are positives, but rising NPAs and near-doubling of provisions raise concerns about credit quality. The stock may face pressure on the back of worsening asset quality despite decent earnings growth.