AU Small Finance Bank Limited — Q1FY27 earnings call summary

Filed 28 July 2026 · Official transcript

Cost to assets ratio at 4%, slight increase due to investments; operating leverage expected to improve
Deposits grew 24% y-y, ahead of private sector growth of 14%; loan portfolio up 23% y-y
Asset quality stable; slippages down 22% y-y; credit cost declined 54 bps y-y to 0.8%
Digital transactions now 90%+ of total; AI initiatives rolled out in gold loan origination and risk assessment
Management elevated Yogesh Jain to Deputy CEO; focus on tech, risk, and growth across geographies
Profit after tax rose 37% y-y to INR796 Cr; net interest margin improved 47 bps y-y to 5.9%
Retail secured assets grew 23% y-y; commercial banking up 34% y-y; unsecured business recovering
Multiple analyst queries on ECL framework impact; management expects neutral effect, to update by Q3FY27