AU Small Finance Bank (SFB) on Tuesday reported its Q3FY26 net profit at Rs 668 crore, up 26 per cent year-on-year (y-o-y) backed by strong growth in net interest income (NII) and lower provisions.
The bank’s NII grew 16 per cent y-o-y to ₹2,341 crore, while other income was up 17 per cent at ₹724 crore. Net interest margin (NIM) improved by 25 basis points sequentially to 5.7 per cent in Q3. Provisions fell 34 per cent on-year to ₹331 crore. Fresh slippages fell to ₹791 crore in Q3 from ₹908 crore last quarter. Gross and net non-performing asset ratio (GNPA, NNPA) stood at 2.30 per cent and 0.88 per cent in Q3, respectively, largely flat y-o-y.
Gross loan portfolio of the bank (excluding unsecured loans) rose 23 per cent y-o-y to ₹1.29 lakh crore, while deposits were also up 23 per cent on-year at ₹1.38 lakh crore as on December end. Credit-deposit ratio of the lender stood at 89 per cent in Q3.
Management changes
AU SFB said it has inducted three new non-executive independent directors on board including NS Venkatesh, Satyajit Dwivedi and Phani Shankar. It also re-appointed Malini Thadani as independent director for a second 3-year term.
Importantly, the lender said its current executive director (ED) and deputy CEO Uttam Tibrewal will complete his tenure as whole time director in April this year, but continue serving as the bank’s deputy CEO.
Vivek Tripathi, Chief Credit Officer at the lender, will be promoted to the level of ED after receiving the regulator’s approval. ENDS
Published on January 20, 2026
