AU Small Finance Bank Limited — Investor Meet, 22-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

AU Small Finance Bank reported strong Q3 FY'26 results. Deposits rose 23% YoY, with loans up 19.3% YoY. Margins expanded to 5.7% (+25bps QoQ). Asset quality improved, reducing GNPA to 2.30% and Q3 credit costs to 78bps. PAT grew 26% QoQ (excl. one-time item) to Rs. 682 Cr; ROA reached 1.6%.

Management aims for 20-22% loan growth, led by secured assets like Wheels and Gold Loans. MFI is showing green shoots, while credit cards need more stabilization. Significant tech and AI investments are underway for efficiency. The bank is confident in achieving FY'26 credit costs of 1% and 1.8% ROA by FY'27, maintaining a confident outlook amid competitive markets.