AU Small Finance Bank Limited — Q3 FY26
AU Small Finance Bank delivered a strong Q3 FY26 with PAT of ₹668 crore (excluding one-time provision of ₹20 crore, PAT was ₹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
Full-year credit cost within 1% of average total assets
Management expects full-year credit cost to be within 1% of average total assets, with H1 at 1.28% annualized and H2 benefiting from seasonal recoveries.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY26
NIM improvement over next couple of quarters
Assuming no further rate cuts, NIM should continue to expand as deposit book reprices, with cost of funds declining further.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1