{
  "id": 16314187,
  "title": "AU Small Finance Bank Reports 53% Q2 FY27 Profit Rise, Deposits Grow 28.6% As Asset Quality Improves",
  "url": "https://urgent.news/2026/10/24/au-small-finance-bank-reports-53-q2-fy27-profit-rise-deposits-grow-28",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-24T10:17:42.000Z",
  "source": {
    "name": "Free Press Journal",
    "slug": "free-press-journal",
    "url": "https://www.freepressjournal.in/business/au-small-finance-bank-reports-53-q2-fy27-profit-rise-deposits-grow-286-as-asset-quality-improves"
  },
  "original_language": "en",
  "account": "Mumbai-based AU Small Finance Bank reported a 53% increase in profit after tax (PAT) to ₹858 crore in the second quarter of fiscal year 2027, compared to ₹561 crore in the same period last year. The bank's Net Interest Income (NII) rose by 32% year-on-year to ₹2,820 crore, while its Net Interest Margin (NIM) improved by 33 basis points to 5.8%.\n\nCore other income grew by 16% year-on-year to ₹736 crore, driven by credit card and transaction banking fees. Total deposits expanded by 28.6% year-on-year and 8.1% quarter-on-quarter to ₹1,70,460 crore. The CASA deposits rose by 29.1% year-on-year and 10.8% quarter-on-quarter to ₹50,289 crore, with a CASA ratio of 29.5%.\n\nThe gross loan portfolio increased by 25.1% year-on-year to ₹1,53,769 crore, and gross advances were up by 27.9% to ₹1,50,291 crore. The Gross Non-Performing Asset (GNPA) ratio improved by 42 basis points to 1.99%, and the Net Non-Performing Asset (NNPA) ratio improved by 7 basis points to 0.81%.\n\nFor the first half of fiscal year 2027, NII grew by 32% year-on-year to ₹5,516 crore, and the bank's Core Pre-Provisioning Operating Profit (PPoP) expanded by 36% to ₹2,906 crore. PAT for H1 FY27 increased by 45% year-on-year to ₹1,654 crore. ICRA Ratings upgraded the bank's long-term credit rating outlook to 'Positive' from 'Stable', reaffirming its 'AA' long-term rating.",
  "summary": "Mumbai: AU Small Finance Bank Limited announced on Thursday that its profit after tax (PAT) rose to ₹858 crore for the second quarter of financial year 2027, up from ₹561 crore in Q2 FY26. The bank's Net Interest Income (NII) increased by 32 per cent year-on-year to ₹2,820 crore. Q2 FY27 Performance Net Interest Margin (NIM) for Q2 FY27 improved by 33 basis points year-on-year to 5.8 per cent…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Investing.com",
        "title": "Kotak Q2 FY27 slides: profit jumps 26% as asset quality improves",
        "url": "https://urgent.news/2026/10/24/kotak-q2-fy27-slides-profit-jumps-26-as-asset-quality-improves",
        "published": "2026-10-24T12:06:28.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}