AU Small Finance Bank Q4 FY26 Net Profit Rises 65% YoY

AU Small Finance Bank reported a 65% YoY increase in Q4 FY26 net profit to ₹832 crores, with full-year profit up 25% to ₹2,641 crores.
The Bank's NIM expanded 24 bps QoQ to 5.96%, driven by a 12 bps decline in cost of funds and improved asset quality with GNPA ratio falling to 2.03%.
Management highlighted strategic focus on AI integration, universal banking license application, and succession planning with key leadership approvals.
Deposits grew 23% YoY to ₹1.52 lakh crores, while loans grew 21% YoY, with secured assets comprising 66% of the portfolio.