AU Small Finance Bank Limited — PPTs, 27-04-2026: Investor Presentation

AU Small Finance Bank wrapped up FY26 with strong results!

**Business Performance:** Q4 PAT surged 65% YoY to ₹832 Cr, boosting FY26 PAT by 25% to ₹2,641 Cr. Gross loan portfolio grew 21% YoY to ₹140,327 Cr, fueled by secured assets. Deposits jumped 23% YoY to ₹152,661 Cr, maintaining a 28% CASA. Asset quality improved, with GNPA at 2.03% and NNPA at 0.74%.

**Growth Drivers & Strategy:** A major push is on tech with their new Agentic AI platform for loans and customer experience. They're also expanding reach, adding 334 net touchpoints in FY26.

**Recent Developments:** The bank has applied for a final Universal Bank license, a big step for future growth. Fincare SFB's core banking system successfully merged with AU, streamlining operations.

**Key Financial Metrics:** FY26 delivered a healthy RoA of 1.6% and RoE of 14.2%. EPS hit ₹35, and NIM recovered to 5.96% in Q4.

**Management Outlook:** Management remains focused on leveraging AI for efficiency, optimizing operations, and expanding distribution to sustain this strong growth trajectory.