AU Small Finance

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 deposit growth (+23%Current 23%. Reported change: +23% YoY. YoY). Loan book grew 21% YoYCurrent 21% YoY. Reported change: +21% YoY. led by secured assets (wheels +27%, gold loan doubled). Asset quality improved with GNPA down 27bps to 2.03%. Management guided for FY27 credit cost around 90bps and cost-to-assets below 4%, while targeting sustainable compounding at 2-2.5x nominal GDP growth. Key risk: margin pressure from seasonal Q4 benefits reversing and cost of funds potentially bottoming out.