AU Small Finance Bank Q3 FY26 Concall: Management on Fincare Integration and Asset Quality

Описание: AU Small Finance Bank Q3 FY26 Concall: Management on Fincare Integration and Asset Quality

During the Q3 FY26 conference call, the management of AU Small Finance Bank focused on the progress of the Fincare SFB merger integration and its impact on the bank's geographic footprint. The leadership team highlighted a robust growth in deposits, particularly retail CASA, and shared updates on the scaling of their credit card and mortgage businesses. Management also addressed the normalization of credit costs and emphasized their commitment to maintaining a superior digital-first banking experience while expanding into newer rural markets.

The bank's performance was largely in line with brokerage estimates regarding net interest income (NII) and loan growth. However, the reported net profit was slightly below some analyst estimates due to higher integration-related expenses and a marginal uptick in slippages within the unsecured segment. Management maintained a positive outlook for the final quarter, citing strong capital adequacy and the realization of cost synergies from the merger.

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