AU Small Finance Bank Q4 Profit Jumps 65% to Rs 832 Cr
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AU Small Finance Bank reports a 65% surge in Q4 profit to Rs 832 crore, driven by increased core income and improved asset quality.
Illustration: Uttam Ghosh/Rediff.com
New Delhi, Apr 27 (PTI) AU Small Finance Bank on Monday reported 65 per cent jump in profit to Rs 832 crore for the March quarter on account of increase in core income.
The bank had earned a net profit was Rs 504 crore in the year-ago quarter.
During the latest fourth quarter, the bank's total income increased to Rs 5,750 crore from Rs 5,031 crore in Q4FY25, AU Small Finance Bank said in a regulatory filing.
Net interest income (NII) grew 23 per cent to Rs 2,582 crore compared to Rs 2,094 crore in the year-ago period, it said.
Net interest margin (NIM) for Q4FY26 rose to 5.96 per cent compared to 5.8 per cent in Q4FY25, it said.
Net profit of the bank in full financial year 2025-26 rose 25 per cent to Rs 2,641 crore from Rs 2,106 crore in the previous fiscal year.
The Jaipur-based bank declared a dividend of Re 1 per share for FY26 subject to shareholders' approval.
On the asset quality front, the bank witnessed improvement with gross NPA (non-performing asset) declining to 2.03 per cent in March 2026 as against 2.28 per cent in March 2025.
Net NPA remained static at 0.74 per cent of net advances at the end of March 2026.
As a result, provisions and contingency declined significantly to Rs 269 crore from Rs 635 crore in the fourth quarter of FY25.
The board in its meeting approved issuance of equity shares for an aggregate amount not exceeding Rs 7,500 crore through private placement or qualified institutions placement (QIP) or preferential allotment or through a combination subject to approval of the shareholders.
The said approval would remain valid for the period of 12 months from the date of shareholders' approval, it said.
Besides, the board approved debt issuance not exceeding Rs 6,000 crore in one or more tranches, subject to shareholders approval, of which up to Rs 2,500 crore may be raised through tier II bonds.
AU Small Finance Bank MD & CEO Sanjay Agarwal said, "The strength of our foundation and the quality of our franchise give me confidence that as we approach our Universal Banking milestone, we do so with clarity of purpose and conviction in our trajectory."
The bank is deeply grateful to the Government of India, the RBI and other regulators, customers, shareholders, and every stakeholder who makes this journey possible, he added.
The bank had earned a net profit was Rs 504 crore in the year-ago quarter.
During the latest fourth quarter, the bank's total income increased to Rs 5,750 crore from Rs 5,031 crore in Q4FY25, AU Small Finance Bank said in a regulatory filing.
Net interest income (NII) grew 23 per cent to Rs 2,582 crore compared to Rs 2,094 crore in the year-ago period, it said.
Net interest margin (NIM) for Q4FY26 rose to 5.96 per cent compared to 5.8 per cent in Q4FY25, it said.
Net profit of the bank in full financial year 2025-26 rose 25 per cent to Rs 2,641 crore from Rs 2,106 crore in the previous fiscal year.
The Jaipur-based bank declared a dividend of Re 1 per share for FY26 subject to shareholders' approval.
On the asset quality front, the bank witnessed improvement with gross NPA (non-performing asset) declining to 2.03 per cent in March 2026 as against 2.28 per cent in March 2025.
Net NPA remained static at 0.74 per cent of net advances at the end of March 2026.
As a result, provisions and contingency declined significantly to Rs 269 crore from Rs 635 crore in the fourth quarter of FY25.
The board in its meeting approved issuance of equity shares for an aggregate amount not exceeding Rs 7,500 crore through private placement or qualified institutions placement (QIP) or preferential allotment or through a combination subject to approval of the shareholders.
The said approval would remain valid for the period of 12 months from the date of shareholders' approval, it said.
Besides, the board approved debt issuance not exceeding Rs 6,000 crore in one or more tranches, subject to shareholders approval, of which up to Rs 2,500 crore may be raised through tier II bonds.
AU Small Finance Bank MD & CEO Sanjay Agarwal said, "The strength of our foundation and the quality of our franchise give me confidence that as we approach our Universal Banking milestone, we do so with clarity of purpose and conviction in our trajectory."
The bank is deeply grateful to the Government of India, the RBI and other regulators, customers, shareholders, and every stakeholder who makes this journey possible, he added.
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