AU Small Finance Bank Limited — Q3 FY26
AU Small Finance Bank delivered a strong Q3 FY26 with PAT of INR 668 crore (excluding one-time provision of INR 20 crore, PAT was INR 682 crore, up 29% 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.
Q2 FY26
NIM expansion expected over next couple of quarters
Assuming no further rate cuts, NIM should continue to expand as deposit book reprices and asset mix stabilizes.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
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