AU Small Finance Bank Limited — Q2FY27 earnings call summary

Filed 28 October 2026 · Official transcript

Credit cost guidance near 90 bps; asset quality stable with GNPA at 1.99%
Growth outlook: Wheels segment strong; mortgage growth targeted at 20% next year
Technology and AI investments driving automation and cost savings
Operating expenses up 26% YoY; cost-to-assets ratio improving
Net Interest Income increased 32% YoY; margin 5.8% with 33 bps YoY expansion
Deposits grew 29% YoY and 8% QoQ; CASA ratio improved to 29.5%
Loan portfolio grew 25% YoY and 7% QoQ; secured assets up 26% YoY
Profit after tax grew 53% YoY to INR858 Cr; RoA 1.7%, RoE 16.1%