AU Small Finance Bank wrapped up FY26 with strong results! **Business Performance:** Q4 PAT surged 65% YoY to ₹832 Cr, boosting FY26 PAT by 25% to ₹2,641 Cr.

Gross loan portfolio grew 21% YoY to ₹140,327 Cr, fueled by secured assets.

Deposits jumped 23% YoY to ₹152,661 Cr, maintaining a 28% CASA.

Asset quality improved, with GNPA at 2.03% and NNPA at 0.74%. **Growth Drivers & Strategy:** A major push is on tech with their new Agentic AI platform for loans and customer experience.

They're also expanding reach, adding 334 net touchpoints in FY26. **Recent Developments:** The bank has applied for a final Universal Bank license, a big step for future growth.

Fincare SFB's core banking system successfully merged with AU, streamlining operations. **Key Financial Metrics:** FY26 delivered a healthy RoA of 1.6% and RoE of 14.2%. EPS hit ₹35, and NIM recovered to 5.96% in Q4. **Management Outlook:** Management remains focused on leveraging AI for efficiency, optimizing operations, and expanding distribution to sustain this strong growth trajectory.