Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Q2 FY27 Earnings Presentation
48 slides from Au Small Finance Bank's earnings presentation, Oct 24, 2026
Slide 1: Exchange filing cover letter
Ref. No.: AUSFB/SEC/2026-27/277 Date: October 24, 2026 To, National Stock Exchange of India Ltd. BSE Limited Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Bandra (East), Mumbai 400051, Mumbai 400001, Maharashtra. Maharashtra. NSE Symbol: AUBANK Scrip Co
Slide 2: Q2'FY27 Earnings presentation
Q2’FY27 Earnings presentation 24th October 2026 Sustainable Business Model | Retail Focused | Tech-Led | Customer Centric | Well-Governed
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by AU SMALL FINANCE BANK LIMITED (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Ban
Slide 4: Agenda: Key Updates
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 3
Slide 5: Key Updates
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 4
Slide 6: Q2'FY27 - Consistently delivering across parameters
Q2’FY27 – Consistently delivering across parameters ❑ Deposits grew 29% YoY (8% QoQ) to ~₹1.70 lac cr vs. ~18% estimated growth in banking sector Deposits ▪ CASA deposits grew 29% YoY and 11% QoQ, CASA ratio grew 72 bps sequentially to 29.5% ▪ Cost of Funds (CoF) declined by 43bps YoY and 7 bps QoQ
Slide 7: Q2'FY27 - Other highlights
Q2’FY27 – Other highlights Foundation built. Adoption scaling. AI becoming enterprise-wide ❑ One strategy, three engines: Run, Build, Transform; each with dedicated teams and leaders ❑ Digital Adoption: >95% bank transactions done digitally; 46+ lac registered users on AU 0101 with 19.4 lac MAUs ❑ E
Slide 8: Performance summary (1/3)
Performance summary (1/3) Deposit and Liquidity as at 30th Sep, 2026 Deposits & Cost of Funds ₹1,70,460 cr Total deposits ❑ Focus on three core pillars - Granularity, Stability, and Cost of funds 29% ▪ Granularity: CASA deposits cross ₹50,000 cr and grew 29% YoY led by 55% growth in CA and 23% in SA
Slide 9: Performance summary (2/3)
Performance summary (2/3) Advances and asset quality at 30th Sep, 2026 Gross loan ₹1,53,769 cr Loan Portfolio portfolio 25% ❑ Gross loan portfolio registered a growth of 25% YoY and 7% QoQ Gross advances ₹1,50,291 cr ▪ Secured businesses (Retail + Commercial) grew 26% YoY and 5% QoQ, led by Wheels,
Slide 10: Performance summary (3/3)
Performance summary (3/3) Financial performance – Q2’FY27 Net interest ₹2,820 cr Earnings income 32% ❑ NII grew 32% YoY supported by strong loan growth and expansion in margins by 33 bps YoY Core Other ₹736 cr ▪ NIM moderated by 9 bps QoQ driven by higher share of investments to total assets and sea
Slide 11: Financial Highlights
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 10
Slide 12: Profit & Loss statement
Profit & Loss statement (All Figures in ₹ crore) H1'FY27 H1'FY26 YoY Q2'FY27 Q2'FY26 YoY Q1'FY27 QoQ FY26 Income Interest Earned 10,915 8,890 23% 5,612 4,511 24% 5,303 6% 18,636 Interest Expended 5,399 4,701 15% 2,792 2,367 18% 2,607 7% 9,524 Net Interest Income 5,516 4,189 32% 2,820 2,144 32% 2,695
Slide 13: Other Income
Other Income (All Figures in ₹ crore) H1'FY27 H1'FY26 YoY Q2'FY27 Q2'FY26 YoY Q1'FY27 QoQ FY26 Loan Assets Processing & Other Fees 719 581 24% 375 319 17% 344 9% 1,299 General Banking, Cross Sell & Deposits 401 380 6% 215 223 -4% 186 15% 871 related fees Credit Card 193 113 71% 94 56 68% 99 -5% 263
Slide 14: Key ratios
Key ratios Particulars H1'FY27 H1'FY26 Q2'FY27 Q2'FY26 Q1'FY27 FY26 NIM 5.8% 5.4% 5.8% 5.5% 5.9% 5.7% Profitability Gross advance yield 13.7% 14.0% 13.6% 13.9% 13.7% 13.9% Cost of funds 6.44% 6.96% 6.41% 6.83% 6.48% 6.75% Cost-to-assets (excl. guarantee 4.0% 4.0% 3.9% 4.0% 4.0% 4.1% Efficiency premi
Slide 15: Balance sheet
Balance sheet (All Figures in ₹ crore) 30th Sep'26 30th Sep'25 YoY 30th Jun'26 QoQ Liabilities Shareholders Fund 21,810 18,316 19% 20,885 4% Deposits 1,70,460 1,32,509 29% 1,57,727 8% Borrowings 14,239 10,319 38% 13,419 6% Other Liabilities and Provisions 5,295 4,397 20% 5,093 4% Total Liabilities 2
Slide 16: RoA Tree
RoA Tree RoA Tree % H1'FY27 H1'FY26 Q2'FY27 Q2'FY26 Q1'FY27 FY26 Net Interest Income (NII) 5.5% 5.3% 5.5% 5.3% 5.6% 5.4% Other Income 1.5% 1.9% 1.5% 1.8% 1.4% 1.8% Net Total Income 7.0% 7.2% 6.9% 7.1% 7.1% 7.2% Cost to Assets 4.0% 4.0% 4.0% 4.1% 4.1% 4.2% PPoP 3.0% 3.2% 2.9% 3.0% 3.0% 3.0% Credit Co
Slide 17: Asset quality - NPA movement
Asset quality - NPA movement Figures in ₹ cr NPA movement Q2’FY27 Q2’FY26 Q1’FY27 Opening GNPA 2,948 2,751 2,756 Additions during the period* 906 908 798 Less: Recoveries & Write Offs during the period 866 824 605 Closing GNPA 2,988 2,835 2,948 NPA summary Q2’FY27 Q2’FY26 Q1’FY27 Gross NPA 2,988 2,8
Slide 18: Overview of provisions
Overview of provisions Figures in ₹ cr Sep’26 Jun’26 Particulars Loan Loan Provisions Coverage Provisions Coverage Amount Amount GNPA 2,988 1,742 58% 2,948 1,848 63% Covid related restructuring (Standard) 203 34 17% 217 36 17% Contingency provisions 30 37 Floating provisions 41 41 Stressed and conti
Slide 19: AI & Tech Update
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 18
Slide 20: Our technology strategy
Our technology strategy Foundation is well built for next phase of growth Focus of investment Continuous Improvements RUN | Resilient Core BUILD | Digital Evolution TRANSFORM | Data, Analytics & AI SECURE | Controlled Execution Protect the core while Scale digital adoption and Create a future-ready,
Slide 21: Consumer tech: a digital-first storefront on a secure, modern core
Consumer tech: a digital-first storefront on a secure, modern core 19.4 L 3.02 L 43% 92/100 Monthly active users1 Daily active users1 MAU /Registered Users stickiness1 App health score2 AU 0101 and AU 0101 Business carry 80% of service interactions3 AU 0101 | Retail Customers AU 0101 BUSINESS | Busi
Slide 22: Employee tech: one digital workspace to onboard, sell, serve and monitor
Employee tech: one digital workspace to onboard, sell, serve and monitor 60%+ 25K+ 2 min Straight-through onboarding Sales Management app users Four-click personal loan Straight-through onboarding, one sales workspace and automated lead orchestration replace manual handoffs across 25,800 employees O
Slide 23: Data & AI: from one data foundation to measurable business impact
Data & AI: from one data foundation to measurable business impact ₹500+ cr ₹240 cr 10x >50% Incremental loan book, scorecard-led Annualised incremental card spends PL cross-sell conversion uplift AML alerts auto-closed by ML Data Platform Cross Sell and Credit Underwriting AML & Fraud Analytics ❑ La
Slide 24: Six bets - reimagining how we operate
Six bets - reimagining how we operate Embed AI decisively into the core operating model - deterministic, auditable Agentic AI across customer engagement, lending journeys and enterprise operations Agentic Platform in production – Agentic Framework - Lending LOS Voice AI - Service & Cross-Sell collab
Slide 25: Business Update
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 24
Slide 26: Geographic diversification - Distribution of deposits & advances
Geographic diversification - Distribution of deposits & advances All figures are as on Deposits Gross Loan Portfolio (GLP) 30th Sep’26 1% 1% 1% 2% 2% 1% 4% Maharashtra 3% 3% Rajasthan Rajasthan 2% 3% Maharashtra Delhi 3% 3% Madhya Pradesh 24% 25% Gujarat Gujarat Haryana 4% 4% Delhi Punjab 5% Haryana
Slide 27: Distribution - Pan-India geographic presence
Distribution - Pan-India geographic presence 21 3,103 526 558 820 States and 4 UTs Touchpoints Districts Urban Branches ATMs 07 Our Touchpoints 68 16 Local sourcing and collections 06 07 54 766 1,372 965 80 204 Branches Asset Centres BO + BC + Unbanked Urban deposit gathering Net 183 Touchpoints add
Slide 28: Deposits - Book snapshot
Deposits - Book snapshot (₹ in ‘000 crore) Deposit mix Daily average CASA CASA ratio & Stable deposit* ratio 132.5 138.4 152.7 157.7 170.5 (₹ in ‘000 crore) Total deposits 6.4 6.0 6.1 79% 80% 79% 79% 5.8 79% 5.3 114.1 38.4 103.2 106.0 88.2 92.7 33.2 34.8 30% 30.9 31.0 29% 29% 28% 29% 31.4 32.5 34.0
Slide 29: Deposits - Strong and granular liability franchise
Deposits - Strong and granular liability franchise Focus on deposit led growth Full Product suite and CD Ratio (%) 168% Strengthening customer service orientation retail franchise 117% 103% 96% 88% 84% 84% 86% 88% 87% 766 558 Branch Banking Pan India Liability Branches Urban Branches branch network
Slide 30: Deposits - Building a scalable deposit franchise
Deposits - Building a scalable deposit franchise is a continuous journey Strategic initiatives to drive deposits growth Key opportunities and levers ~100 Liability branches (planned to be added annually) • Focus on high potential Tier I & metro markets (Top 20-30 cities) Greater brand acceptance upo
Slide 31: Asset book snapshot
Asset book snapshot ₹ in cr Q2'FY27 Q2'FY26 Q1'FY27 YoY QoQ Segments GA Yield Gross GA Yield Gross GA Yield Gross GLP GLP Growth GLP Growth (%) NPA (%) (%) NPA (%) (%) NPA (%) Retail Secured Assets 1,00,849 14.1% 2.4% 82,735 14.4% 2.7% 21.9% 96,485 14.2% 2.4% 4.5% Commercial Banking 35,356 10.3% 0.9
Slide 32: Breakdown of customer assets – additional disclosure
Breakdown of customer assets – additional disclosure (All figures in ₹ crore) 30th Sep'26 30th Sep'25 YoY 30th Jun'26 QoQ Consumer Assets 68,851 59,560 16% 65,974 4% - Mortgages1 Retail 44,359 39,755 12% 43,318 2% - Auto (Cars, 2W) Retail 20,917 16,898 24% 19,511 7% - Credit Cards Retail 2,399 2,258
Slide 33: About AU Small Finance Bank
1 KEY UPDATE 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 32
Slide 34: AU SFB: Scaled, profitable, with in-principle approval for Universal Bank
AU SFB: Scaled, profitable, with ‘in-principle’ approval for Universal Bank ❑ A high-quality, well-governed banking franchise with an ‘in-principle’ approval for transition to Universal Bank ▪ Founded in 1996 as a vehicle financier, AU built strong capabilities in serving underserved, self-employed
Slide 35: Long-term performance trajectory remains strong
Long-term performance trajectory remains strong 1996 2017 2021 2024 2025 2026 Commenced Launched Digital Bank, Acquired Advancing towards Started as a vehicle In-principle approval operations as an SFB video banking and Credit Fincare SFB becoming an AI- financier for Universal Bank cards powered ba
Slide 36: With consistent and strong execution track record
With consistent and strong execution track record…. ₹ in 000 cr Deposit Gross Loan Portfolio Total assets 45% 31% 34% 170 154 212 153 140 192 124 116 158 87 82 109 69 64 90 53 38 48 69 26 36 24 31 42 52 8 19 16 19 33 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 FY18 FY19 FY20 FY21 FY22 FY23 FY
Slide 37: In a healthy and profitable way
……In a healthy and profitable way Asset quality profile Pre provision profit (PPoP) & Credit cost on Avg Total assets 4.3% 3.7% 3.1% 3.3% 2.9% 3.0% 3.0% 3.0% 2.7% 2.5% 2.5% 2.0% 2.0% 2.3% 2.0% 1.7% 2.0% 2.0% 1.7% 1.7% 1.4% 1.3% 2.2% 0.7% 0.7% 0.8% 1.0% 0.7% 0.4% 0.5% 0.6% 0.7% 0.6% 1.3% 1.3% 0.4% 0.
Slide 38: Full-suite of products with digital capabilities
Full-suite of products with digital capabilities Deposit Franchise Diversified Asset Products Third Party Products COMMERCIAL DEPOSITS RETAIL ASSETS INSURANCE WEALTH ASSETS Current Account Wheels Working Cap. Loans Life Mutual Fund Savings Account Micro Business loan Business Loans Health ASBA/IPO T
Slide 39: External ratings
External ratings Credit Ratings ESG Ratings 16.6 (Low Risk) Fixed Deposits AA+/Stable CRISIL (CSA) 47 Subordinated Debt/ AA/Stable CRISIL/ CARE Tier II Bonds Included in AA/Positive ICRA FTSE4Good Emerging Indices Infrastructure AA/Positive ICRA 73 Bonds (Strong) AA/Stable CARE Short Term A1+ CRISIL
Slide 40: Sustainability Initiatives
Sustainability Initiatives ESG Governance Structure Board Level Management Level Execution Level CSR & Sustainability Committee Sustainability Steering Committee Core Sustainability Team Providing Board-level oversight on Ensures ESG embedded into core business Translates strategic priorities into m
Slide 41: Financial & Digital Inclusion
Financial & Digital Inclusion Access Highlights Financial Products 23,700+ Count Financial Literacy Camps Products (Active) (as on 30 Sept 2026) Organized at rural branches BSBD Accounts 5.8 lac+ ~32% Touchpoints in Unbanked Rural Centres MUDRA Loans^ 27.1 lac+ 997 touchpoints PM Jeevan Jyoti Bima Y
Slide 42: Board of Directors
Board of Directors Mr. H R Khan Mr. J M Prasad Mr. Kamlesh Vikamsey Part- Time Chairman & Independent Independent Director Independent Director Director 30+ years of experience 42+ years of experience, 46+ years of experience Former Deputy Governor of RBI Senior Partner, KKC & Associates LLP Served
Slide 43: Shareholding pattern
Shareholding pattern KMP, Director & their relatives (Excluding Independent Director) 0.06% Others Individuals 1.7% Domestic 6.5% Promoter & Promoter Group 22.7% Foreign holding 36% Domestic holding 64% Domestic Institution (Mutual Funds, Insurance, AIF 32.8% and Others) Foreign Holding 36.3% Note:
Slide 44: Awards and recognition
Awards and recognition Asia's Best Workplaces 2026 “BFSI Guild Award” Ranked# 54 (large Category) Excellence in Voice AI-Powered Great Place to Work® Customer Acquisition in Asia 2026 Banking “Overall Performance - Bank” - SFB Category At ASSOCHAM 21st Annual Summit & Awards on Banking & Financial S
Slide 45: CSR Initiatives (1/2)
CSR Initiatives (1/2) AU Yashotsav- Excellence Awards 1.0 AU Udyogini: Convocation ceremony of Nirjhari artisans AU Udyogini: As on date, total 6,342 women are nurtured and 4,238+ AU Ignite: Till Q2’FY27, 37,700+ youth got trained in 10 centers across 6 empowered under Individual Women Entrepreneurs
Slide 46: CSR Initiatives (2/2)
CSR Initiatives (2/2) AU Bano Champion : Athletes & Coaches at the Weekend League AU Kartavya: Women participated at a menstrual hygiene camp AU Bano Champion: Active at 70+ locations across Rajasthan, 6,000 AU Kartavya: Till Q2’FY27, 1,613 health checkup camps , 370+ Jal kids & youths regularly tra
Slide 47: For further information about the bank
For further information about the bank - Scan to Download Analyst day Sustainability Annual Report FY26 AU Insights * presentation - Mar’24 Report *presentations providing detailed insights into the working of key business groups 46
Slide 48: For Investor queries contact
For Investor queries contact (details in QR Code): Mr. Prince Tiwari Email: [email protected]
AU Small Finance Bank — Q2 FY27 Earnings Presentation on 6ix