AU Small Finance Bank

AU Small Finance Bank delivered a strong Q4 FY26 with PAT of ₹832 croreCurrent reported value: ₹832 crore. No comparable prior figure is available in the source record. (+65Current reported value: 65. No comparable prior figure is available in the source record.% YoY) and ROA of 1.8%Current reported value: 1.8%. No comparable prior figure is available in the source record., driven by margin expansion (+24bps QoQ to 5.96%), lower credit costs (0.6%), and robust loan growth (21% YoYCurrent 21% YoY. Reported change: +21% YoY.). Deposits grew 23% YoY with CASA stable at 28%Current 28%. Reported change: Stable.. Asset quality improved with GNPA down 27bps to 2.03%. Management guided for sustainable compounding at 2x-2.5x of nominal GDP, with cost-to-assets expected below 4% in FY27 and credit costs around 90bps. Key risks include margin pressure from deposit rate hikes and potential macro headwinds from geopolitical tensions.