AU Small Finance Bank Limited — Q2 FY26
AU Small Finance Bank reported a resilient Q2 FY26 with PAT of ₹561 crore and H1 PAT of ₹1,142 crore, up 6% YoY.
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q1 FY26
NIM expected to bottom in Q2, improve from Q3
Net interest margin likely to decline further in Q2 but start recovering from Q3 onwards, assuming no further rate cuts.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
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