AU Small Finance Bank has reported its Q3 results, showcasing significant growth in deposits and advances. The bank’s deposits have increased by 23.3% year-over-year (YoY), reaching a total of \u20b973,336 crore. This substantial growth demonstrates the bank’s ability to attract and retain customers, further solidifying its position in the market.<\/p>\n
Advances, which include loans and other credit facilities, have also witnessed remarkable growth, rising by 24% YoY to \u20b955,849 crore. This increase is a testament to the bank’s effective lending strategies and its commitment to supporting the financial needs of its customers. The growth in advances is particularly noteworthy, as it indicates a strong demand for credit from the bank’s target segments, including micro, small, and medium-sized enterprises (MSMEs) and low-income households.<\/p>\n
The bank’s asset quality has also shown improvement, with the gross non-performing assets (GNPA) ratio declining to 2.04% from 2.23% in the same quarter last year. This reduction in NPAs is a positive indicator of the bank’s prudent lending practices and its ability to manage credit risk effectively.<\/p>\n
Net interest income (NII) has increased by 29.4% YoY to \u20b91,035 crore, driven by the growth in advances and deposits. The bank’s net interest margin (NIM) has also expanded to 5.6% from 5.3% in the same quarter last year, reflecting the bank’s ability to maintain a healthy spread between its lending and deposit rates.<\/p>\n
The bank’s operating expenses have increased by 24.5% YoY to \u20b9542 crore, primarily due to the expansion of its branch network and hiring of new employees. However, the bank’s cost-to-income ratio has remained stable at 41.6%, indicating that the bank is able to manage its expenses effectively.<\/p>\n
Overall, AU Small Finance Bank’s Q3 results demonstrate the bank’s strong growth momentum and its ability to navigate the challenges of the current economic environment. The bank’s focus on financial inclusion, digital transformation, and customer-centricity is expected to drive its growth in the coming quarters. With its robust business model and commitment to serving the underserved segments, AU Small Finance Bank is well-positioned to achieve its long-term goals and create value for its stakeholders.<\/p>\n","protected":false},"excerpt":{"rendered":"
AU Small Finance Bank has reported its Q3 results, showcasing significant growth in deposits and advances. The bank’s deposits have increased by 23.3% year-over-year (YoY), reaching a total of \u20b973,336 crore. This substantial growth demonstrates the bank’s ability to attract and retain customers, further solidifying its position in the market. Advances, which include loans and […]<\/p>\n","protected":false},"author":1,"featured_media":219053,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[57],"tags":[],"class_list":["post-222561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-au-small-finance-bank"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/smallnews.in\/banking\/wp-content\/uploads\/sites\/4\/2025\/01\/au-small-finance-bank.jpg?fit=968%2C523&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p9pSib-VTH","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":222648,"url":"https:\/\/smallnews.in\/banking\/kotak-mahindra-bank\/kotak-mahindra-banks-q3-profit-after-tax-increases-by-4-to-%e2%82%b93446-crore\/","url_meta":{"origin":222561,"position":0},"title":"Kotak Mahindra Bank’s Q3 profit after tax increases by 4% to \u20b93,446 crore","author":"Team Small News","date":"January 25, 2026","format":false,"excerpt":"Kotak Mahindra Bank has announced its financial results for the third quarter ended December 31, 2025. The bank reported a 4% year-on-year (YoY) growth in net profit, reaching \u20b93,446 crore. The Net Interest Income (NII) for the quarter increased by 5% YoY to \u20b97,565 crore. However, the Net Interest Margin\u2026","rel":"","context":"In "Kotak Mahindra Bank"","block_context":{"text":"Kotak Mahindra Bank","link":"https:\/\/smallnews.in\/banking\/category\/kotak-mahindra-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/posts\/222561","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/comments?post=222561"}],"version-history":[{"count":0,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/posts\/222561\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/media\/219053"}],"wp:attachment":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/media?parent=222561"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/categories?post=222561"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/tags?post=222561"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}