AU Small Finance Bank Limited Q2 FY26 earnings call summary

Earnings call of 17 Oct 2025, summarised by AI from the filing.

AU Small Finance Bank Q2 FY26 PAT ₹561 cr, NIM 5.5%, credit cost ₹481 cr; universal bank transition on track within 18 months.

Key takeaways

1. Universal bank In-principle approval received on August 7 with 18-month transition; capital impact neutral to positive.
2. Competition risk Competitive intensity in MBL has significantly increased with small localized and niche players in every micro market.

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

• Q1 FY27: Earnings call (25 Jul 2026), Results deck (25 Jul 2026), Results press release (25 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results deck (27 Apr 2026), Results press release (27 Apr 2026)
• Q3 FY26: Earnings call (20 Jan 2026), Results deck (20 Jan 2026), Results deck (20 Jan 2026), Results press release (20 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (19 Jul 2025), Results deck (19 Jul 2025), Results press release (19 Jul 2025)
• Q4 FY25: Earnings call (22 Apr 2025), Results deck (22 Apr 2025), Results press release (22 Apr 2025)
• Other events: Strategy deck (24 Sep 2026), Strategy deck (24 Sep 2026), Strategy deck (1 Sep 2025)