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AU Small Finance Bank's Q1 FY26 PAT rose 16% to INR581 Cr, with a 1.5% ROA. Loan book grew 18% to INR1,17,000 Cr, deposits 31% to INR1,27,000 Cr. NIM eased to 5.4%, expected to bottom in Q2 with recovery from Q3. Full-year credit cost guidance adjusted to ~1% due to elevated MFI and Southern mortgage stress; MFI collection efficiency at 98.3%. Credit card costs have peaked. Management is confident, strengthening collections, and eyes 1.8% ROA by FY27, with H2 economic improvement supporting growth from secure segments.