AU Small Finance Bank Limited – Q2 & H1 FY26 Results Summary
Announcement Date: 17 October 2025
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Financial Highlights (₹ lakh):
- Q2 FY26 Revenue: ₹5,22,387 (up 14.9% YoY)
- Q2 FY26 Net Profit: ₹56,087 (stable YoY)
- H1 FY26 Net Profit: ₹1,14,173 (up 6.4% YoY)
- Basic EPS Q2 FY26: ₹7.52; H1 FY26: ₹15.32
- Operating profit before provisions increased QoQ; provisions higher reflecting cautious stance
- Capital Adequacy Ratio: 18.78% (down from 20.06% at FY25 end but above regulatory minimum)
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Balance Sheet & Capital:
- Advances: ₹1,15,70,498 lakh (up from ₹94,83,818 lakh YoY)
- Deposits: ₹1,32,50,923 lakh (up from ₹1,09,69,315 lakh YoY)
- Gross NPAs: ₹2,83,534 lakh (up from ₹1,90,169 lakh YoY)
- Cash & Balances with RBI: ₹5,55,060 lakh (down YoY)
- Reserves & Surplus: ₹17,39,920 lakh (up YoY)
- Net borrowings reduced by ₹1,34,086 lakh in H1 FY26
- Capital expenditure increased significantly to ₹54,291 lakh in H1 FY26
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Segment Performance:
- Retail Banking: ₹3,81,840 lakh revenue in Q2 FY26, largest contributor
- Treasury: ₹77,244 lakh revenue, showing volatility but profitable
- Wholesale Banking: ₹50,302 lakh revenue, growing segment
- Retail Banking and Treasury segments remain key profit drivers
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Management Commentary & Corporate Developments:
- Received RBI in-principle approval for voluntary transition to Universal Bank (valid 18 months)
- No acquisitions, disposals, or restructuring during the period
- Employee Stock Options: 9.18 lakh shares allotted in Q2 FY26; cash inflow ₹6,314 lakh from ESOP exercises in H1 FY26
- No exceptional items or stressed loan acquisitions reported
- Pillar 3 disclosures available on website (not audited)
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Other Notes:
- Results are standalone; no subsidiaries or associates
- Auditor’s limited review report unmodified with no qualifications
This summary encapsulates AU Small Finance Bank’s financial and operational status for Q2 and H1 FY26, highlighting growth in core banking operations, stable profitability, and strategic progress towards Universal Bank status.