Quarter Ended: March 2026
Au Small Finance Bank Ltd – Q4 FY26 Results Analysis
NSE
aubank
BSE
540611
The bank delivered robust growth in income and profitability driven by loan book expansion and stable margins, with gradual improvement in asset quality metrics
key financial highlights
- Revenue from Operations:
- Total Income (Q4 FY26): ₹5,75,009.88 Lakhs
- QoQ Change: +5.48%
- YoY Change: +14.29%
- Previous Quarter (Q3 FY26): ₹5,45,126.43 Lakhs
- Previous Year (Q4 FY25): ₹5,03,126.71 Lakhs
- Total Income (Q4 FY26): ₹5,75,009.88 Lakhs
- Profit After Tax (PAT):
- PAT (Q4 FY26): ₹83,186.95 Lakhs
- QoQ Change: +24.61%
- YoY Change: +65.17%
- Previous Quarter (Q3 FY26): ₹66,765.64 Lakhs
- Previous Year (Q4 FY25): ₹50,369.86 Lakhs
- PAT (Q4 FY26): ₹83,186.95 Lakhs
- QoQ Performance
- Revenue Trend: Steady growth
- Profit Trend: Strong expansion
Margin Analysis
Key Drivers:
- Strong growth in advances and interest income
- Controlled credit costs compared to previous periods
- Operating efficiency improvements
Key Signal: Margins improving with profit growth outpacing revenue
Segment performance
Segment: Retail Banking
- Revenue: ₹4,26,717.44 Lakhs
Insights:
- Major revenue contributor
- Strong growth driver
Segment: Treasury
- Revenue: ₹73,441.62 Lakhs
Insights:
- Stable contribution
- Sensitive to interest rate movements
Segment: Wholesale Banking
- Revenue: ₹59,637.94 Lakhs
Insights:
- Moderate growth
- Diversification support
Segment insight
Summary:
- Retail banking continues to dominate growth and profitability
Characteristics:
- Retail-focused lending model
- Diversified income streams
- Strong CASA and deposit growth
Earning quality check
Drivers:
- Core interest income growth
- Stable fee income
- Controlled provisioning
Interpretation:
- High-quality earnings driven by core banking operations
balance sheet Analysis
- Total Assets: ₹1,91,79,746.81 Lakhs
- Total Liabilities: ₹1,16,53,020.10 Lakhs
Insight:
- Strong balance sheet expansion driven by advances and deposit growth
key risks
- Credit cycle risks in retail lending
- Interest rate fluctuations impacting margins
- High growth leading to asset quality pressure
management strategy signals
- Expansion of retail loan book
- Strengthening deposit franchise
- Digital banking growth
Financial Metrics
| Particular | Q4 FY26 | Q.O.Q | Y.O.Y |
|---|---|---|---|
| Total Income | ₹5,75,009.88 Lakhs | +5.48% | +14.29% |
| PBT | ₹1,08,208.12 Lakhs | +22.39% | +60.03% |
| PAT | ₹83,186.95 Lakhs | +24.61% | +65.17% |
AU Small Finance Bank delivered a strong and well-rounded quarter, with robust growth in both revenue and profitability. Improving asset quality and strong retail momentum reinforce a positive outlook, though sustained credit discipline remains critical.
Official Exchange Filing: AU Small Finance Bank Ltd
Quarterly Performance Context
COST OF OPERATIONS AS % OF REVENUE
77%
NET PROFIT AS % OF REVENUE
14%
FISCAL YEAR
2025-2026
AUDIT STATUS
REVIEWED