AU Small Finance Bank Ltd

Total income increased 15.20% year on year (YoY) to Rs 5,451.26 crore in Q3 FY26, as against Rs 4,731.89 crore in Q3 FY25. The bank's operating profit before provisions and contingencies stood at Rs 1,215.31 crore in Q3 FY26, registering a marginal growth of 0.86% YoY. Net interest income (NII) rose 16% YoY to Rs 2,341 crore in Q3 FY26. Net interest margin (NIM) improved by 25 basis points quarter on quarter (QoQ) to 5.7%, compared with 5.5% in Q2 FY26. The banks pre-provisioning operating profit (PPoP) grew 3% YoY to Rs 1,235 crore in Q3 FY26, compared with Rs 1,205 crore in Q3 FY25. Total deposits grew 23.3% YoY and 4.5% QoQ to Rs 1,38,415 crore. The CASA ratio remained stable at around 29% as of December 2025, unchanged from September 2025. CASA deposits increased 16% YoY, driven by a 31% growth in current account deposits to Rs 7,404 crore and a 13% rise in savings account deposits to Rs 32,543 crore. On the asset quality front, gross non-performing assets (NPAs) stood at Rs 2,880.54 crore as on 31 December 2025, compared with Rs 2,335.51 crore as on 31 December 2024. Net NPAs were at Rs 1,091.46 crore, up from Rs 905.60 crore a year ago. The gross NPA ratio stood at 2.30% as of 31 December 2025, marginally lower than 2.31% a year earlier, while the net NPA ratio improved to 0.88% from 0.91%. The bank's average liquidity coverage ratio (LCR) for the quarter stood at 118%, compared with 119% in Q2 FY26. Slippages declined 13% QoQ to Rs 791 crore from Rs 908 crore in the previous quarter. During the quarter, AU SFB added a net 100 touchpoints, including 27 new liability branches, taking the total network to 2,726 touchpoints across 21 states and four Union Territories. The bank caters to over 12.5 million customers and has a workforce of more than 59,000 employees. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said, 'Banking sector growth remained resilient this quarter, supported by GST rationalization and festive demand, even as the deposit environment stayed highly competitive. Against this backdrop, we delivered a strong and well rounded performance in Q3 across growth, margins, asset quality and profitability. We further strengthened our governance by inducting three independent directors to the Board. At the same time, we are accelerating the integration of AI across our core operations and reimagining processes to transition to an AI native architecture'built for scale, resilience and inclusion. With our core growth engines firmly in place, and a once in a generation opportunity to evolve into a universal banking platform, we are well positioned to scale with purpose, responsibility and long term sustainability'. Meanwhile, the board recommended the appointment of Phani Shankar as non-executive independent director (additional director) with effect from 20 January 2026 for a term of three years, subject to shareholder approval. Uttam Tibrewal, Whole-Time Director and Deputy CEO, will complete his current term on 18 April 2026, marking nine years as a Whole-Time Director. In line with RBI's Small Finance Bank Governance Directions, 2025, he will conclude his term but continue as Deputy CEO and Senior Management Personnel, leading key business verticals including retail assets and liabilities. The board also approved the appointment of Vivek Tripathi, Chief Credit Officer, as Whole-Time Director (Executive Director) for a term of three years, subject to regulatory and shareholder approvals. Additionally, Divya Sehgal, Non-Executive Non-Independent Director, resigned with effect from the close of business hours on 20 January 2026 following the completion of the Fincare SFB integration. Further, Kannan Gopalaraghavan Vellur (V G Kannan), Independent Director, will complete his second term on 21 January 2026 and cease to be a director thereafter. The board placed on record its appreciation for his contributions. AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services. The counter slipped 1.16% to Rs 989.15 on the BSE. Powered by Capital Market - Live

Securities in F&O Ban: Steel Authority of India (SAIL) and Sammaan Capital shares are banned from F&O trading on 21 January 2026. Result Today: Anant Raj, Bajaj Consumer Care, Bank of India, Dalmia Bharat, Dr Reddys Laboratories, Gallantt Ispat, Gravita India, Hindustan Petroleum Corporation, Jindal Stainless, KEI Industries, Oracle Financial Services Software, PNB Housing Finance, Rajratan Global Wire, Sagar Cements, Supreme Industries, Tata Communications, Tatva Chintan Pharma Chem, Thangamayil Jewellery, UTI Asset Management Company, Eternal will announce their quarterly earnings today. Listing In the Mainboard segment, the Amagi Media Labs IPO will debut today. Meanwhile, in the SME segment, INDO SMC, GRE Renew Enertech, and Narmadesh Brass Industries are set to list today. Stocks to Watch: AU Small Finance Bank (SFB) reported a 26.34% jump in standalone net profit to Rs 667.66 crore in Q3 FY26, compared with Rs 528.45 crore in Q3 FY25. Total income increased 15.20% year on year (YoY) to Rs 5,451.26 crore in Q3 FY26, as against Rs 4,731.89 crore in Q3 FY25. Persistent Systems reported a 6.79% decline in consolidated net profit to Rs 439.4 crore despite of 5.52% increase in revenue from operations to Rs 3778.20 crore in Q3 FY26 over Q2 FY26. On a year on year basis, the company's consolidated net profit and revenue from operations jumped 17.82% and 23.38% respectively in Q3 FY26. Vikram Solar reported a sharp 405.47% jump in consolidated net profit to Rs 96.14 crore on 7.79% increase in revenue from operations to Rs 1,105.95 crore in Q3 FY26 over Q3 FY25. IndiaMART reported a 55.6% surge in consolidated net profit to Rs 188 crore on 13.4% jump in revenue to Rs 402 crore in Q3 FY26 over Q3 FY26. Cyient DLM reported 2.2% increase in consolidated net profit to Rs 11.2 crore on 31.8% decrease in revenue to Rs 303 crore in Q3 FY26 over Q3 FY25. Supreme Petrochem has reported 36.7% decline in consolidated net profit to Rs 30.6 crore in Q3 FY26 from Rs 48.3 crore in Q3 FY25. Revenue increased by 14.6% year-on-year (YoY) to Rs 1,281 crore in Q3 FY26. Powered by Capital Market - Live

Net profit of AU Small Finance Bank rose 26.34% to Rs 667.66 crore in the quarter ended December 2025 as against Rs 528.45 crore during the previous quarter ended December 2024. Total Operating Income rose 14.93% to Rs 4727.47 crore in the quarter ended December 2025 as against Rs 4113.48 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income4727.474113.48 15 OPM %53.8752.89 - PBDT884.17703.23 26 PBT884.17703.23 26 NP667.66528.45 26 Powered by Capital Market - Live

Total income increased 15.20% year on year (YoY) to Rs 5,451.26 crore in Q3 FY26, as against Rs 4,731.89 crore in Q3 FY25. The bank's operating profit before provisions and contingencies stood at Rs 1,215.31 crore in Q3 FY26, registering a marginal growth of 0.86% YoY. Net interest income (NII) rose 16% YoY to Rs 2,341 crore in Q3 FY26. Net interest margin (NIM) improved by 25 basis points quarter on quarter (QoQ) to 5.7%, compared with 5.5% in Q2 FY26. The banks pre-provisioning operating profit (PPoP) grew 3% YoY to Rs 1,235 crore in Q3 FY26, compared with Rs 1,205 crore in Q3 FY25. Total deposits grew 23.3% YoY and 4.5% QoQ to Rs 1,38,415 crore. The CASA ratio remained stable at around 29% as of December 2025, unchanged from September 2025. CASA deposits increased 16% YoY, driven by a 31% growth in current account deposits to Rs 7,404 crore and a 13% rise in savings account deposits to Rs 32,543 crore. On the asset quality front, gross non-performing assets (NPAs) stood at Rs 2,880.54 crore as on 31 December 2025, compared with Rs 2,335.51 crore as on 31 December 2024. Net NPAs were at Rs 1,091.46 crore, up from Rs 905.60 crore a year ago. The gross NPA ratio stood at 2.30% as of 31 December 2025, marginally lower than 2.31% a year earlier, while the net NPA ratio improved to 0.88% from 0.91%. The bank's average liquidity coverage ratio (LCR) for the quarter stood at 118%, compared with 119% in Q2 FY26. Slippages declined 13% QoQ to Rs 791 crore from Rs 908 crore in the previous quarter. During the quarter, AU SFB added a net 100 touchpoints, including 27 new liability branches, taking the total network to 2,726 touchpoints across 21 states and four Union Territories. The bank caters to over 12.5 million customers and has a workforce of more than 59,000 employees. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said, 'Banking sector growth remained resilient this quarter, supported by GST rationalization and festive demand, even as the deposit environment stayed highly competitive. Against this backdrop, we delivered a strong and well rounded performance in Q3 across growth, margins, asset quality and profitability. We further strengthened our governance by inducting three independent directors to the Board. At the same time, we are accelerating the integration of AI across our core operations and reimagining processes to transition to an AI native architecture'built for scale, resilience and inclusion. With our core growth engines firmly in place, and a once in a generation opportunity to evolve into a universal banking platform, we are well positioned to scale with purpose, responsibility and long term sustainability'. Meanwhile, the board recommended the appointment of Phani Shankar as non-executive independent director (additional director) with effect from 20 January 2026 for a term of three years, subject to shareholder approval. Uttam Tibrewal, Whole-Time Director and Deputy CEO, will complete his current term on 18 April 2026, marking nine years as a Whole-Time Director. In line with RBI's Small Finance Bank Governance Directions, 2025, he will conclude his term but continue as Deputy CEO and Senior Management Personnel, leading key business verticals including retail assets and liabilities. The board also approved the appointment of Vivek Tripathi, Chief Credit Officer, as Whole-Time Director (Executive Director) for a term of three years, subject to regulatory and shareholder approvals. Additionally, Divya Sehgal, Non-Executive Non-Independent Director, resigned with effect from the close of business hours on 20 January 2026 following the completion of the Fincare SFB integration. Further, Kannan Gopalaraghavan Vellur (V G Kannan), Independent Director, will complete his second term on 21 January 2026 and cease to be a director thereafter. The board placed on record its appreciation for his contributions. AU Small Finance Bank is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, and other services. The counter slipped 1.95% to Rs 1,000.80 on the BSE. Powered by Capital Market - Live

AU Small Finance Bank has allotted 2,22,762 equity shares under ESOP on 14 January 2026. The paid-up equity share capital of the Bank will accordingly increase from Rs. 7,47,18,07,180 to Rs. 7,47,40,34,800. Powered by Capital Market - Live

AU Small Finance Bank will hold a meeting of the Board of Directors of the Company on 20 January 2026.Powered by Capital Market - Live

AU Small Finance Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 998.75, up 1.23% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.12% on the day, quoting at 25911.6. The Sensex is at 84587.19, down 0.13%. AU Small Finance Bank Ltd has added around 5.08% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has added around 1.19% in last one month and is currently quoting at 58932.35, up 0.07% on the day. The volume in the stock stood at 10.72 lakh shares today, compared to the daily average of 19.67 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 997.6, up 1.2% on the day. AU Small Finance Bank Ltd is up 78.64% in last one year as compared to a 9.59% gain in NIFTY and a 15.95% gain in the Nifty Bank index.The PE of the stock is 33.89 based on TTM earnings ending September 25.Powered by Capital Market - Live

AU Small Finance Bank Ltd fell for a fifth straight session today. The stock is quoting at Rs 974.75, down 0.57% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0% on the day, quoting at 26176.7. The Sensex is at 85511.96, down 0.02%.AU Small Finance Bank Ltd has gained around 3.25% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has increased around 0.67% in last one month and is currently quoting at 59299.55, down 0.14% on the day. The volume in the stock stood at 10.11 lakh shares today, compared to the daily average of 20.74 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 980.25, down 0.28% on the day. AU Small Finance Bank Ltd jumped 77.78% in last one year as compared to a 10.22% rally in NIFTY and a 15.72% spurt in the Nifty Bank index.The PE of the stock is 33.69 based on TTM earnings ending September 25.Powered by Capital Market - Live

AU Small Finance Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 993.8, up 1.35% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.24% on the day, quoting at 25798.95. The Sensex is at 84532.23, down 0.17%. AU Small Finance Bank Ltd has gained around 8% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has gained around 0.04% in last one month and is currently quoting at 59034.6, down 0.18% on the day. The volume in the stock stood at 18.76 lakh shares today, compared to the daily average of 21.04 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 992.35, up 0.96% on the day. AU Small Finance Bank Ltd is up 77.99% in last one year as compared to a 6.61% jump in NIFTY and a 13.02% jump in the Nifty Bank index.The PE of the stock is 33.69 based on TTM earnings ending September 25.Powered by Capital Market - Live

The enhanced limit will provide the bank in maintaining sufficient headroom for foreign investment through permissible mode of investments in compliance with Foreign Direct Investment (FDI) policy and the Foreign Exchange Management (Non-debt Instruments) Rules, 2019, as amended from time to time. AU Small Finance Bank (AU SFB) is a scheduled commercial bank and has established itself as India's largest small finance bank since commencing its banking journey in April 2017. The bank provides comprehensive banking solutions across deposits, loans, credit cards, premium banking, remittance services, merchant solutions, insurance, and investments. As on 30 September 2025, the bank had a wide network of over 2,626 banking touchpoints across 21 states and 4 union territories. The bank's standalone net profit increased 1.81% to Rs 560.87 crore in Q2 FY26, compared with Rs 571.21 crore in Q2 FY25. Total income climbed 14.85% YoY to Rs 5,223.86 crore in Q2 FY26. The counter hit an all-time high at Rs 1007.65 in intraday today.Powered by Capital Market - Live