AU Small Finance Bank Limited — Investor Meet, 29-04-2026: Analysts/Institutional Investor Meet/Con. Call Updates

AU Small Finance Bank posted strong Q4 and FY26 results. Q4 Profit After Tax (PAT) surged 65% to ₹832 Cr, with Return on Assets (ROA) at 1.8%. Full-year PAT was ₹2,641 Cr, ROA 1.6%. Deposits grew 23% and loans 21%. Asset quality improved, Gross NPA (GNPA) down to 2.03%, Q4 credit cost 0.6%. A dividend of ₹1 per share has been announced.

The bank filed for a universal banking license, is heavily investing in Agentic AI (with its first AI-led Gold Loan system now live), and completed Fincare integration. Management targets sustained 1.8% full-year ROA via operational efficiency and normalized credit costs (projected ~90 bps next year), aiming for 2-2.5x India's nominal GDP growth.