AU Small Finance Bank Limited has released its provisional business update for the quarter ended December 31, 2025, showcasing robust growth across key financial metrics. The bank has also announced its board meeting and conference call scheduled for January 20, 2026, to discuss Q3FY26 unaudited financial results.

Strong Deposit and Advance Performance

The bank demonstrated impressive year-on-year growth with total deposits surging 23.3% to reach ₹1,38,420.00 crores, compared to ₹1,12,260.00 crores in the same period last year. This substantial increase reflects the bank's enhanced ability to attract customer deposits in a competitive banking environment.

Gross advances showed even stronger momentum, expanding by 24.0% year-on-year to ₹1,25,210.00 crores from ₹1,00,989.00 crores. This significant growth in lending activity indicates robust credit demand and the bank's continued focus on portfolio expansion.

CASA Deposits and Ratio Analysis

CASA deposits grew by 16.1% year-on-year to ₹39,950.00 crores, though the CASA ratio declined to 28.9% from 30.6% in the previous year. This decrease suggests customers may be preferring higher-yielding term deposits in the current interest rate environment.

Comprehensive Loan Portfolio Expansion

The bank's gross loan portfolio, including securitized and assigned portfolios, expanded by 19.3% year-on-year to ₹1,29,900.00 crores. Notably, the securitized and assigned portfolio decreased to ₹4,690.00 crores, indicating a strategic shift toward retaining more loans on the balance sheet.

Conference Call and Board Meeting Details

The bank will host a group conference call with analysts and investors on January 20, 2026 at 06:00 PM IST, where senior management will discuss the financial results for the quarter and nine months ended December 31, 2025. The board meeting is also scheduled for the same date to consider and approve the unaudited financial results.

The conference call will be accessible through multiple dial-in numbers including universal access numbers, local access numbers for India, Hong Kong, Singapore, UK, and USA. A replay facility will be available from January 20-21, 2026.

Regulatory Compliance and Performance Outlook

The provisional figures were disclosed under Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015, and SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The conference call announcement was made under Regulation 30 of SEBI regulations. Pursuant to SEBI regulations, the trading window for designated persons and their immediate relatives remains closed from January 1, 2026, till January 22, 2026.

AU Small Finance Bank's Q3 performance demonstrates continued strong growth trajectory with robust expansion in both deposits and advances, positioning the bank favorably in the competitive small finance banking sector despite the slight decline in CASA ratio.