AU Small Fin. Bank
Small Finance Bank · NSE AUBANK · Market cap ₹79,441
Latest FY FY2026
Loan growth
25.4%
Deposit growth
22.8%
NIM
5.9%
43th pctile
ROA
1.5%
ROE
14.5%
Gross NPA
2.0%
64th pctile
P/B
3.20x
30th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 25.4% | 17.7% | +7.7pp | — |
| Deposit growth | 22.8% | 13.4% | +9.5pp | — |
| CASA | 29.0% | 32.7% | -3.7pp | 39th |
| NIM | 5.9% | 3.6% | +2.3pp | 43th |
| ROA | 1.5% | 1.1% | +0.4pp | — |
| ROE | 14.5% | 12.4% | +2.1pp | — |
| Gross NPA | 2.0% | 1.9% | +0.2pp | 64th |
| Credit cost | 2.0% | 1.3% | +0.7pp | — |
| Cost/income | 56.6% | 55.1% | +1.5pp | — |
| CRAR | 18.9% | 18.9% | 0.0pp | — |
| P/B | 3.20x | 1.07x | +2.1pp | 30th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Fresh Slippages - Quarterly -22.3% YoY to 798.00 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +11.4pp vs listed-bank aggregate (share 0.62%, +0.06pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +12.9pp vs listed-bank aggregate (share 0.60%, +0.06pp 1Y) · |bank growth - system proxy growth| >= 5pp