Earnings Review
AU Small Finance Bk PAT surges YoY as provisions fall 34%
This story was originally published at 20:09 IST on 20 January 2026
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--AU Small Finance Bank Oct-Dec net profit INR 6.68 bln
--Analysts saw AU Small Finance Bank Oct-Dec net profit at INR 6.89 bln
--AU Small Fin Bk Oct-Dec net profit INR 6.68 bln vs INR 5.28 bln year ago
--AU Small Fin Bk Oct-Dec total income INR 54.51 bln vs INR 47.32 bln yr ago
--AU Small Fin Bk Apr-Dec net profit INR 18.09 bln vs INR 16.02 bln year ago
--AU Small Fin Bk Apr-Dec total income INR 158.6 bln vs INR 135.6 bln yr ago
--AU Small Fin Bank Oct-Dec net interest income INR 23.41 bln, up 16% on yr
--AU Small Fin Bank Oct-Dec net interest margin 5.7% vs 5.5% qtr ago
--AU Small Finance Bank provision coverage ratio at 83% as on Dec 31
--AU Small Fin Bk yield on gross advances 13.8%, down 10 bps on qtr
--AU Small Fin Bk Oct-Dec slippages INR 7.91 bln vs INR 9.08 bln qtr ago
--AU Small Finance Bank capital adequacy ratio 19% as on Dec 31
By Meera Nair
MUMBAI – AU Small Finance Bank Ltd.'s net profit for the December quarter surged on year on the back of lower provisions. However, the bank missed the Street's estimates due to slow growth in margins.
The lender reported a net profit of INR 6.68 billion, up over 26% on year for the December quarter. Sequentially, the net profit increased over 19%. Analysts had estimated the net profit at INR 6.89 billion. The net profit was INR 5.61 billion for the September quarter.
The scheduled commercial bank's provisions fell to INR 3.31 billion, down almost 34% on year and over 31% on quarter. Analysts had estimated the bank's Oct-Dec provisions at INR 3.96 billion.
The bank's total income for the reporting quarter was INR 54.51 billion, up over 15% from the year-ago quarter. The net interest margin for Oct-Dec was 5.7% against 5.5% a quarter ago.
The lender's net profit for the nine months ended December was INR 18.09 billion, up almost 13% on year, as the total income for the period rose 17% on year to INR 158.64 billion.
AU Small Finance Bank's net interest income for the December quarter was INR 23.41 billion, up 16% on year.
The scheduled commercial bank's yield on gross advances was 13.8%, down 10 basis points on quarter. Its slippages were at INR 7.91 billion, down 13% from the trailing quarter. The bank's capital adequacy ratio was 19% as of Dec. 31. The bank's provision coverage ratio was at 83% as on Dec. 31.
Whole-time Director and Deputy Chief Executive Officer Uttam Tibrewal will complete his current term on the board on Apr. 18. However, he will continue as deputy CEO to devote more time to on-ground engagement to drive growth, strengthen customer relationships, and expand the bank's presence across newer geographies, the bank said. He will continue to be categorised as senior management personnel of the bank. End
Edited by Tanima Banerjee
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