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![_Investor_Feed_ Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1825090112713285632.png) Investor Feed [@_Investor_Feed_](/creator/twitter/_Investor_Feed_) on x 6193 followers
Created: 2025-07-25 13:23:09 UTC

AU Small Finance Bank Q1 FY26 Results: Strong Growth Amid Margin Pressures 📊🏦 | MCap XXXXXXXXX Cr

- Profit After Tax (PAT) rose XX% YoY to ₹581 Cr in Q1 FY26.
- Deposit base grew XX% YoY, crossing ₹1.27 lakh Cr, with CASA up 16%.
- Loan portfolio expanded XX% YoY to ₹1.17 lakh Cr, led by secured segments (retail & commercial banking).
- Retail-secured assets (67% of loans) grew XX% YoY, with wheels (+26%) and mortgages (+14%) driving growth.
- Unsecured segments (8% of loans) declined XX% YoY due to stress in MFI & credit cards.
- Net Interest Margin (NIM) fell XX bps to XXX% (repo rate cuts, lower yields, higher liquidity).
- Credit costs elevated in unsecured segments; full-year estimate adjusted to ~1% of avg. assets.
- NIM expected to bottom out in Q2, improve gradually from Q3 (assuming no further rate cuts).
- Branch profitability improved: XX% profitable in Q1 vs. XX% a year ago.
- ROA target of XXX% by FY27 reaffirmed despite near-term NIM & credit cost challenges.

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**Related Topics**
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[$aubankbo](/topic/$aubankbo)
[investment](/topic/investment)

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