Key Financial Figures

Profitability Metrics (Q1 FY27)

  • Profit After Tax (PAT): ₹796 crore, up 37% YoY (vs ₹581 crore in Q1 FY26)
  • Net Interest Income (NII): ₹2,695 crore, up 32% YoY
  • Core Other Income: ₹680 crore, up 33% YoY
  • Net Total Income: ₹3,385 crore, up 19% YoY
  • Pre-Provision Operating Profit (PPoP): ₹1,435 crore, up 9% YoY
  • Core PPoP (ex-treasury gains): ₹1,426 crore, up 41% YoY
  • Tax expenses: ₹268 crore, up 35% YoY

Margin Metrics

  • Net Interest Margin (NIM): 5.9%, expanded 47 bps YoY (from 5.4% in Q1 FY26)
  • Gross Advance Yield: 13.7%, declined 6 bps QoQ
  • Cost of Funds: 6.48%, declined 1 bp QoQ and 60 bps YoY
  • Cost-to-Assets (excl. CGFMU premium): 4.0% (vs 3.9% in Q1 FY26)
  • Cost to Income ratio (excl. CGFMU): 56.6%

Asset Quality Indicators

  • Gross NPA: 2.10% (vs 2.47% in Q1 FY26)
  • Net NPA: 0.76% (vs 0.88% in Q1 FY26)
  • Slippages: ₹798 crore, down 22% YoY
  • Credit Cost (incl. CGFMU premium): 0.8% (vs 1.4% in Q1 FY26)
  • Provision Coverage Ratio: 85% (incl. technical write-off), 64% (excl. technical write-off)
  • Total Provisions: ₹371 crore, down 30% YoY (includes additional one-time provision of ₹23 crore)

Balance Sheet Metrics (as of June 30, 2026)

  • Gross Loan Portfolio: ₹1,44,250 crore, up 23% YoY and 3% QoQ
  • Total Deposits: ₹1,57,727 crore, up 24% YoY and 3% QoQ
  • CASA Deposits: ₹45,400 crore (SA: ₹36,902 crore, CA: ₹8,498 crore)
  • CD Ratio: 88% (80% excluding refinance)
  • Liquidity Coverage Ratio: 119%
  • Shareholders' Fund: ₹20,885 crore, up 17% YoY
  • Tier I Capital Ratio: 17.1%
  • Total CRAR: 18.9%
  • RWA to Total Assets: ~61%

Loan Portfolio Breakdown

  • Secured businesses (Retail + Commercial): 25% YoY growth, 4% QoQ growth
  • Unsecured businesses (MFI, Credit card, PL): 11% YoY growth, 5% QoQ growth
  • Retail Banking verticals: 74% of total loan assets
  • Commercial Banking verticals: 23% of total loan assets
  • Securitised Assets: ₹3,789 crore (off-book)

Geographic Distribution

  • Core markets: 17% of deposits, 62% of GLP
  • Urban markets: 83% of deposits, 38% of GLP
  • Total touchpoints: 2,920 (net addition of 130 QoQ)
  • 958 touchpoints in unbanked rural centres (~33% of total)

Strategic and Operational Updates

Management Changes

  • Board approved elevation of Mr. Yogesh Jain, COO, as Deputy CEO
  • Bank continued to strengthen leadership bench with additional industry hires in risk and technology

Technology Initiatives

  • Tech strategy organized under Run, Build and Transform with dedicated teams
  • Agentic AI platform: Gold loan origination journey built on proprietary bank-native AI-platform successfully rolled out in limited use environment
  • Mobile-native journey developed and being rolled out across branches in pilot mode
  • Building similar AI-powered LOS journey for wheels, mortgages, commercial banking, credit cards and PL
  • Unified Lead platform launched for AI-led lead aggregation, qualification, and distribution
  • New UPI interface with enhanced features live on AU 0101

Product Initiatives

  • Cross-border banking: Introduced zero forex margin with zero bank charges on retail remittances
  • Credit cards: Launched 4 new lifecycle-based credit cards catering to various customer segments

Awards and Recognition

  • Recognized as "Top 10 – India's Best Companies to Work" by Great Place to Work, 2026

CSR Initiatives

  • AU Ignite: 36,000+ youth trained, 26,000+ linked to employment
  • AU Udyogini: 5,995 women nurtured, 3,926+ empowered under Individual Women Entrepreneurship initiative
  • Bano Champion: 6,000+ kids & youths trained across 7 sports disciplines
  • AU Kartavya: 1,521 health checkup camps, 360+ Jal Bank, 16 open air gyms

Additional Information

  • Investor presentation available at: https://www.au.bank.in/investors/quarterly-reports
  • Audio recordings and transcript of conference call to be made available on same link
  • Contact for investor queries: Mr. Prince Tiwari, investorrelations@aubank.in