Archive · 21 Jan 2026
AU SFB Q3 Profit Rises 26% on Lower Provisions
AU Small Finance Bank (SFB) recently announced its results for the third quarter of the financial year 2026.
The bank made a profit of Rs 668 crore, which is 26% more than the same period last year.
This growth was mainly due to higher interest income and lower amounts set aside for bad loans.
The bank's loans and deposits both grew by 23% compared to last year.
Additionally, the bank added three new directors to its board and announced a promotion for its Chief Credit Officer, Vivek Tripathi, who will become an Executive Director after regulatory approval.
The bank's overall financial health looks good with stable ratios for bad loans and a healthy credit-deposit ratio.
However, the bank faces risks such as a competitive deposit environment and rising operating costs.
AU SFB reported a 26% y-o-y increase in Q3FY26 net profit to Rs 668 crore.
NII grew 16% y-o-y to Rs 2,341 crore, with other income up 17% at Rs 724 crore.
Net interest margin improved by 25 basis points sequentially to 5.7% in Q3.
Provisions fell 34% on-year to Rs 331 crore, with fresh slippages decreasing to Rs 791 crore.
Gross loan portfolio and deposits both rose 23% y-o-y to Rs 1.29 lakh crore and Rs 1.38 lakh crore, respectively.
- Who
- AU Small Finance Bank (SFB)
- What
- Reported Q3FY26 net profit of Rs 668 crore, up 26% y-o-y
- When
- January 20, 2026
- Where
- Not specified
- Why
- Backed by strong growth in net interest income (NII) and lower provisions
- Net Profit
- Rs 668 crore
- NII Growth
- 16% y-o-y
- Other Income
- 17% y-o-y
- Net Interest Margin
- 5.7%
- Provisions
- Rs 331 crore
- Fresh Slippages
- Rs 791 crore
- Gross Loan Portfolio
- Rs 1.29 lakh crore
- Deposits
- Rs 1.38 lakh crore
- Credit-Deposit Ratio
- 89%
- Gross NPAs
- 2.3%
- Net NPAs
- 0.88%
- Operating Expenses
- Rs 1,850 crore
- New Directors
- NS Venkatesh, Satyajit Dwivedi, Phani Shankar
- Re-appointed Director
- Malini Thadani
- Promotion
- Vivek Tripathi to ED
Sources
AU SFB Q3 PAT up 26% on strong NII growth
AU SFB Q3 PAT up 26% on strong NII growth
Why AU Small Finance Bank's profit surge isn't just about growth
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Bank of India’s Q3FY26 net profit up 7% at ₹2,705 crore
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