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
ICICI Bank announced Q1FY26 results Earnings: Profit before tax excluding treasury grew by 11.4% YoY to Rs 156.90 billion in Q1FY26. Core operating profit grew by 13.6% YoY to Rs 175.05 billion. Profit after tax grew by 15.5% YoY to Rs 127.68 billion in Q1FY26. Deposits: Period end total deposits grew by 12.8% YoY and were flat sequentially. Average deposits grew by 11.2% YoY and 3.1% QoQ at June 30, 2025. Average savings account deposits increased by 7.6% YoY and 3.6% QoQ. Average current account deposits increased by 11.2% YoY and 4.6% QoQ Advances: Domestic loans grew by 12.0% YoY and 1.5% QoQ. Retail loans grew by 6.9% YoY and 0.5% QoQ. Business banking1 portfolio grew by 29.7% YoY and 3.7% QoQ. Domestic corporate portfolio grew by 7.5% YoY and declined by 1.4% QoQ Asset quality: Net NPA ratio was 0.41% at Jun 30, 2025 (Jun 30, 2024: 0.43%). Net additions of Rs 30.34 billion to gross NPAs in Q1-2026 (Q1-2025: Rs 26.24 billion). Provisions of Rs 18.15 billion in Q1-2026 (0.53% of average advances). Provision coverage was 75.3% at Jun 30, 2025. Standard, contingency and other provisions of Rs 226.64 billion (1.7% of advances) at Jun 30, 2025. Contingency provisions of Rs 131.00 billion at Jun 30, 2025. Capital: Common Equity Tier 1 ratio of 16.31% (Mar 31, 2025: 15.94% ). Total capital adequacy ratio of 16.97%. Result PDF