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

AU Small Finance Bank delivered a strong Q3 performance. Profit after tax (PAT) surged 26% year-on-year to ₹668 Cr, contributing to a 13% YoY rise in 9M PAT to ₹1,809 Cr. Net Interest Income (NII) grew 16% YoY to ₹2,341 Cr, expanding the Net Interest Margin (NIM) to 5.7%.

The bank saw deposits grow 23.3% YoY to ₹1,38,000 Cr, with the loan portfolio expanding 19.3% YoY to ₹1,30,000 Cr, mainly driven by secured assets. Asset quality improved as Gross NPA (GNPA) declined to 2.30%, with Net NPA (NNPA) stable at 0.88%.

Strategically, the bank is leveraging its universal banking platform, expanding core growth areas like Wheels, Gold Loan, and Mortgages, and enhancing digital cross-sell. A significant Agentic AI roadmap aims to boost efficiency and customer engagement. Recent developments include strengthening governance, launching specialized banking programs (e.g., for CAs, 'M' Circle for women), and notably, government approval to increase the foreign investment limit from 49% to 74%. Management remains positive, citing supportive macro conditions and ongoing expansion.