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AU Small Finance Bank Limited strategy deck summary

NSE: AUBANK · BSE: 540611

Strategy deck of 24 Sep 2026, summarised by AI from the filing.

AU SFB targets 10M+ digital customers by FY28 and has submitted its application for final Universal Bank licence approval.

Key takeaways

  1. Scale Deposits CAGR at 45% and advances CAGR at 34% over the last 9 years, with avg RoA of 1.6% and avg RoE of 14.2%.
  2. Guidance 10M+ digital customers targeted by FY28; 8–10% of opex invested in technology and skills every year.
  3. Change Application submitted for final UB licence approval; replacement of NOFHC-related UB licence condition by RBI.
  4. Driver Continued growth in core retail & commercial banking business and scaling newer businesses from a low base.
  5. Risk Geopolitical uncertainty and crude prices, macro factors such as inflation and rate hikes, and weather related disruption.

Original filing on BSE

AU Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹5,303 cr, EBITDA ₹375 cr, PAT ₹796 cr, EBITDA margin 7.1%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹5,019 cr, EBITDA ₹351 cr, PAT ₹832 cr, EBITDA margin 7.0%. Not scored. Bank result format: not scored yet. Share price after the results: −3.6% in 30 days (Nifty 500: +0.6%).
  • Q3 FY26: Revenue ₹4,727 cr, EBITDA ₹160 cr, PAT ₹668 cr, EBITDA margin 3.4%. Not scored. Bank result format: not scored yet. Share price after the results: +1.6% in 30 days (Nifty 500: +1.5%).
  • Q2 FY26: Revenue ₹4,511 cr, EBITDA ₹16.4 cr, PAT ₹561 cr, EBITDA margin 0.4%. Not scored. Bank result format: not scored yet. Share price after the results: +12.4% in 28 days (Nifty 500: +1.0%).
  • Q1 FY26: Revenue ₹4,378 cr, EBITDA −₹31.6 cr, PAT ₹581 cr, EBITDA margin -0.7%. Not scored. Bank result format: not scored yet. Share price after the results: −4.2% in 30 days (Nifty 500: −1.5%).
  • Q4 FY25: Revenue ₹4,271 cr, EBITDA −₹104 cr, PAT ₹504 cr, EBITDA margin -2.4%. Not scored. Bank result format: not scored yet. Share price after the results: +12.3% in 30 days (Nifty 500: +2.3%).
  • Q3 FY25: Revenue ₹4,113 cr, EBITDA ₹84.6 cr, PAT ₹528 cr, EBITDA margin 2.1%. Not scored. Bank result format: not scored yet.
  • Q2 FY25: Revenue ₹3,911 cr, EBITDA ₹121 cr, PAT ₹571 cr, EBITDA margin 3.1%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

AU Small Finance Bank Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.