AU Small Finance Bank / Q4-FY26

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Positive2026-04-??Back to AUBANK

Revenue

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Revenue YoY

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reported change

EBITDA

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Revenue (₹ Cr)PositiveWatchNegative
4 actual records
Actual quarterly Revenue (₹ Cr) trajectoryReported values plotted by quarter. Hover or focus a point for its quarter, value, and source sentiment.Q1 FY24: 2,458.3 · Watch source sentiment · 2023-07-22Q1 FY24Q3 FY24: 27,35,82,030 · Watch source sentiment · 2024-01-25Q3 FY24Q4 FY24: 28,29,49,960 · Positive source sentiment · 2024-04-30Q4 FY24Q1 FY25: 37,69,04,180 · Watch source sentiment · 2024-07-24Q1 FY2537,69,04,1802,458.3
Values are taken from the available verified source records; sentiment color is a separate source-read indicator.

Quarter read

What the record says.

AU Small Finance Bank delivered a strong Q4 FY26 with PAT of ₹832 crore (+65% YoY) and ROA of 1.8%, driven by margin expansion (+24bps QoQ to 5.96%), lower credit costs (0.6%), and robust loan growth (21% YoY). Deposits grew 23% YoY with CASA stable at 28%. 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.

Colored figures show movement against the previous available record.

Guidance to track

  • Management expects cost-to-assets (ex-CGFMU) to decline below 4% in FY27 from 4.1% in FY26, driven by operating efficiency and AI-led automation.
  • Management advised analysts to model credit costs around 90bps for FY27, though actual performance may be better.
  • Management aims to achieve 1.8% ROA on a full-year basis in FY27, supported by operating leverage and lower credit costs.
  • The bank filed its final universal banking license application in March 2026 and awaits regulatory approvals.

Risks flagged

  • Management raised deposit rates ahead of peers, and CFO noted cost of funds may have bottomed, potentially compressing NIMs in coming quarters.
  • Geopolitical tensions in West Asia could impact fuel prices, inflation, and consumption, with second-order effects on credit quality.
  • RBI's expected credit loss norms, applicable after universal bank transition, could increase provisioning requirements, though management says it's too early to quantify.
  • Home loan book remained flat due to intense competition; management indicated they will not chase growth irrationally, which may cap overall loan growth.

Key quotes

  • We are inducting AI in our core operating model, which can lead to a complete reimagination of our customer journeys and provide a sustainable operating leverage over the coming years.
  • I would advise anybody that you should actually build this quarter credit cost as an overall cost for next year... build it around 90 basis points or maybe in that range so that it allows franchise to have some kind of risk-taking capability.
  • Our nine-year-old journey has taught us that liability is a day-to-day business, right? We need to play every day.

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