AU Small Finance Bank Limited — PPTs, 20-01-2026: Investor Presentation

Here's a concise, retail-friendly summary in the style of an equity analyst:

**Business Performance:**

AU Small Finance Bank saw strong Q3FY26 results. Profit After Tax jumped 26% to ₹668 Crore. Loan book grew 19.3% to ₹130,000 Crore, outpacing the sector. Deposits rose 23.3% to ₹138,000 Crore. Asset quality improved: GNPA at 2.30%, NNPA stable at 0.88%. Net Interest Margin expanded to 5.7%.

**Growth Drivers & Strategy:**

The bank is transitioning to a universal banking platform for broader reach and better funding. Key growth strategies include expanding Wheels, Gold Loans, and Mortgages. Significant investment in Agentic AI aims to boost customer engagement and operational efficiency.

**Recent Developments:**

Highlights include new board appointments, leadership succession, and specialized banking programs for CAs and women. The bank added 100 touchpoints this quarter. Foreign investment limit increased to 74%, and new credit card issuances nearly doubled.

**Management Outlook:**

Management is optimistic for the next growth phase. Unsecured segments (Microfinance, Credit Cards) have stabilized and are targeted for growth. Plans include expanding the network and deepening product penetration across states.