Au Small Finance Bank announced Q1FY26 results The Bank’s Net Interest Income (NII) grew 6% YoY to Rs 2,045 crore for Q1FY26 compared to Rs 1,921 crore in Q1FY25. Other income increased by 59% YoY, aided by higher treasury income, to Rs 811 crore in Q1FY26 compared to Rs 509 crore in Q1FY25. Operating expenses grew by 4% YoY to Rs 1,543 crore for Q1FY26 compared to Rs 1,478 crore in Q1FY25. The Bank’s pre-provisioning operating profit (PPoP) for Q1FY26 grew by 38% YoY to Rs 1,312 crore compared to Rs 952 crore in Q1FY25. PAT was up 16% YoY for Q1FY26 at Rs 581 crore vs Rs 503 crore in Q1FY25. Net Interest Margin (NIM) for Q1FY26 declined by ~38 bps at 5.4% compared to 5.8% in Q4FY25. Cost to Income ratio improved to 54.0% in Q1FY26 vs 60.8% in Q1FY25. The Return on Asset (ROA) and Return on Equity (ROE) for Q1FY26 stood at 1.5% and 13.3% respectively on annualised basis. Earnings Per Share (EPS) for Q1 at Rs 7.8 grew by 15% YoY whereas Book Value Per Share (BVPS) at Rs 239 grew by 14% YoY. Deposits: Total Deposits stood at Rs 1,27,696 crore, registering a YoY growth of 31% compared to Rs 97,290 crore as on Q1FY25. CASA deposits grew by 16% YoY to Rs 37,241 crore with CASA ratio at 29.2%. Current deposits have grown by 34% YoY to Rs 6,348 crore and Savings deposits have grown by 13% YoY to Rs 30,983 crore respectively. Stable deposits (CASA + Retail TD + Non-callable Bulk TD) now stand at 79% of total deposits. Cost of Funds (CoF) declined by 6 bps in the current quarter to reach 7.08% for Q1FY26 from 7.14% for Q4’FY25 whereas incremental CoF was 7.08%, a decline of 62 bps in the current quarter. Advances: Gross loan portfolio (GLP) stood at Rs 117,624 crore, registering a YoY growth of 18% compared to Rs 99,792 crore as on Q1FY25. Secured businesses (Retail + Commercial) grew by 22% YoY whereas Unsecured businesses (primarily MFI and Credit Card) de-grew by 23% YoY driven by cyclical slowdown in MFI, and calibration in credit card book. Asset Quality: Gross NPA stood at 2.47% and Net NPA stood at 0.88% in Q1FY26 vs 2.28% and 0.74% in Q4FY25. Additionally, Bank carries Rs 41 crore of floating provisions and Rs 17 crore of contingency provisions towards the MFI portfolio. Net credit cost for Q1FY26 is at 0.34% on average total Assets and 0.46% on average GLP. Provision coverage ratio including technical write-off stood at 83%. Result PDF