Au સ્મોલ ફાઇનાન્સ બેંક શેરની કિંમત

We submit herewith the transcript of Conference Call held on Saturday, July 25, 2026 for Unaudited Financial Results of AU Small Finance Bank Limited ('the Bank') for the Quarter ended on June 30, 2026. In compliance of Regulation 46 of the Listing Regulations, the transcript is also made available on the Bank's website at following link: https://www.au.bank.in/investors/quarterly-reports.

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Newspaper advertisement for Unaudited Financial Results for the quarter ended on June 30, 2026.

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<h3><span style="font-size:16px;"><strong>Microfinance Institution Au Small Finance Bank announced Q1FY27 results</strong></span></h3><p><strong>નાણાંકીય વિશેષતાઓ:</strong></p><ul><li><strong _ngcontent-ng-c119449379="">Total Income</strong>: In Q1FY27, Total Income stood at Rs 5,99,195.79 lakh, representing a YoY increase of 15% compared to Rs 5,18,904.91 lakh in Q1FY26 and a QoQ increase of 4% from Rs 5,75,009.88 lakh in Q4FY26.</li><li><strong _ngcontent-ng-c119449379="">Interest Earned</strong>: The Bank earned interest of Rs 5,30,274.23 lakh in Q1FY27, showing a growth of 21% YoY compared to Rs 4,37,844.30 lakh in Q1FY26. On a QoQ basis, it grew by 6% from Rs 5,01,914.67 lakh in Q4FY26.</li><li><strong _ngcontent-ng-c119449379="">Net Interest Income (NII)</strong>: NII for Q1FY27 reached Rs 2,69,549.77 lakh (approximately Rs 2,695 crore), registering a YoY growth of 32% over Rs 2,04,500 lakh (approx.) in Q1FY26 and a QoQ growth of 4% from Rs 2,58,200 lakh (approx.) in Q4FY26.</li><li><strong _ngcontent-ng-c119449379="">Other Income</strong>: Other income stood at Rs 68,921.56 lakh in Q1FY27, depicting a YoY decline of 15% from Rs 81,060.61 lakh in Q1FY26 and a QoQ decline of 6% from Rs 73,095.21 lakh in Q4FY26.</li><li><strong _ngcontent-ng-c119449379="">Operating Profit (PPoP)</strong>: Pre-provisioning operating profit grew by 9% YoY to Rs 1,43,547.43 lakh in Q1FY27 from Rs 1,31,221.10 lakh in Q1FY26. On a QoQ basis, PPoP increased by 6% from Rs 1,35,151.51 lakh in Q4FY26.</li><li><strong _ngcontent-ng-c119449379="">Profit After Tax (PAT)</strong>: The Bank reported a PAT of Rs 79,595.29 lakh (approximately Rs 796 crore) for Q1FY27, which is a YoY increase of 37% from Rs 58,085.82 lakh in Q1FY26. However, it decreased by 4% QoQ from Rs 83,186.95 lakh in Q4FY26.</li><li><strong _ngcontent-ng-c119449379="">Net Interest Margin (NIM)</strong>: NIM for Q1FY27 stood at 5.9%, expanding by 47 bps YoY.</li><li><strong _ngcontent-ng-c119449379="">Return on Assets (RoA) and Return on Equity (RoE)</strong>: Annualised RoA stood at 1.7% and RoE at 15.6% for Q1FY27.</li><li><strong _ngcontent-ng-c119449379="">Net Worth</strong>: The Bank's Net Worth reached Rs 20,52,031.68 lakh in Q1FY27, a YoY growth of 18% from Rs 17,43,653.06 lakh in Q1FY26.</li></ul><p><strong>બિઝનેસ હાઇલાઇટ્સ:</strong></p><ul><li><strong _ngcontent-ng-c119449379="">Deposits</strong>: Total deposits reached Rs 1,57,727 crore in Q1FY27, growing by 24% YoY and 3% QoQ. CASA deposits grew 22% YoY and 5% QoQ to Rs 45,399 crore, with a CASA ratio of 29%.</li><li><strong _ngcontent-ng-c119449379="">Advances</strong>: The Gross loan portfolio (GLP) was Rs 1,44,250 crore in Q1FY27, registering a growth of 23% YoY and 3% QoQ. Disbursements for the quarter grew by ~42% YoY.</li><li><strong _ngcontent-ng-c119449379="">એસેટ ક્વૉલિટી</strong>:<ul><li>Gross NPA ratio declined to 2.10% in Q1FY27 from 2.47% in Q1FY26.</li><li>Net NPA ratio declined to 0.76% in Q1FY27 from 0.88% in Q1FY26.</li><li>Slippages decreased by 22% YoY to Rs 798 crore.</li><li>Provision coverage ratio was stable at 85% as on June 30, 2026.</li></ul></li><li><strong _ngcontent-ng-c119449379="">Capital Adequacy</strong>: Capital adequacy ratio (CAR) stood at 18.93% in Q1FY27, with Tier I capital adequacy at 17.1%.</li><li><strong _ngcontent-ng-c119449379="">Distribution Network</strong>: The Bank added ~130 net touchpoints in Q1FY27, including 16 new liability branches. The total network includes 2,920 banking touchpoints across 21 States and 4 Union Territories.</li></ul><p><strong>સેગમેન્ટ મુજબ પરફોર્મન્સ (રેવેન્યૂ)</strong></p><ul><li><strong _ngcontent-ng-c119449379="">Treasury</strong>: Reported revenue of Rs 80,105.64 lakh in Q1FY27 compared to Rs 98,024.05 lakh in Q1FY26.</li><li><strong _ngcontent-ng-c119449379="">Retail Banking</strong>: Revenue grew to Rs 4,45,030.55 lakh in Q1FY27 from Rs 3,65,189.21 lakh in Q1FY26.</li><li><strong _ngcontent-ng-c119449379="">Wholesale Banking</strong>: Revenue stood at Rs 64,710.48 lakh in Q1FY27, up from Rs 47,950.49 lakh in Q1FY26.</li><li><strong _ngcontent-ng-c119449379="">Other Banking Operations</strong>: Revenue was Rs 9,349.12 lakh in Q1FY27 compared to Rs 7,741.16 lakh in Q1FY26.</li></ul><p><strong>Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said,</strong> “Indian economy continues to remain resilient despite a challenging quarter marked by geopolitical uncertainties. I thank the Government and regulators for their proactive measures in safeguarding the economy from any major direct impact.</p><p>Against this macroeconomic backdrop, the Bank delivered a strong and well-rounded performance, with healthy growth in both deposits and advances alongside improved profitability. This reflects the investments made in strengthening the franchise, particularly over the last two years, through expanded distribution, enhanced technology capabilities, stronger product offerings and high-quality talent pool build-out.</p><p>What is particularly encouraging is the continued improvement in both the quality of growth and the quality of earnings. Our performance is increasingly being driven by the underlying strength of the franchise and disciplined execution, rather than cyclical or one-off factors.</p><p>While we remain mindful of the evolving macro environment, our strong capital and liquidity buffers, robust underwriting capabilities, and deepening franchise strengths provide the resilience to manage uncertainties and the flexibility to capture opportunities responsibly. As we continue to build a stronger, more diversified institution, we remain committed to delivering consistent, high-quality growth and creating enduring value for all our stakeholders.”</p><p><a class="lb" href="/gujarati/get-document/post/pdf/5747493/" target="_blank">પરિણામની PDF</a></p>

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