Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — JM Financial BSFI Conference 2021
19 slides from Au Small Finance Bank's conference presentation, Feb 12, 2021
Slide 1: Regulation 30 disclosure cover letter to exchanges
Ref. No.: AUSFB/SEC/2020-21/388 Date: 12th February 2021 Listing Department Department of Corporate Services, National Stock Exchange of India Limited, The BSE Limited, Exchange Plaza, Bandra Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra (East), Mumbai 400051, Dalal Street, Mumbai 400001, Maharas
Slide 2: JM Financial India Conference
JM Financial India Conference 11th February
Slide 3: AU has always been known for… Taking banking to the unbanked and underserved
AU has always been known for… Taking Banking to the unbanked and underserved 63% 87% 35% 14.4% 0.8% Yield Net NPA Branches in semi-urban and Loans to priority sector AUM Growth (3-year average) (3-year average) rural areas (3-year CAGR ) Banking for the real “Bharat” Strong Growth Pricing & Underwri
Slide 4: Inspiring trust with our consistent execution
Inspiring trust with our consistent execution 15 States and 2 UTs Touchpoints Customers Employees 728 18.8 lakh 18,992 Vs. Vs. Vs. 624 15.9 lakh 15,308 (31-Dec-19) (31-Dec-19) (31-Dec-19) Loan Assets Under Total B/S Assets Disbursements1 Deposits3 CASA Ratio# Management2 ₹ Crore ₹ Crore ₹ Crore ₹ Cr
Slide 5: Improving customer experience by continuously challenging status quo
Improving customer experience by continuously challenging status quo Monthly interest payout Customer Extended services banking menu hours Challenging status quo Engaging is in our “Any & DNA branch is personalize home d comms branch” CKYC – No deposit enabling or less withdrawal paperwork slip
Slide 6: But I am not here to talk about our known strengths…
But I am not here to talk about our known strengths…
Slide 7: Did you know that? Tab Banking
Did you know that? 2017 2018 Paperless 2019 Tab Two- WhatsApp Banking Wheeler Banking Loans ````` Industry first process to Only bank with 90% + Industry first initiative to disburse end-to-end Two- adoption of Tab Banking to enable Saving Account Wheeler Loans for both onboard deposit customers ope
Slide 8: Our goal is to become a tech-led bank with our existing deep expertise in inclusive banking
Our goal is to become a tech-led bank with our existing deep expertise in inclusive banking Its a rare combination
Slide 9: Covid has led to a step-change in customer adoption of digital technologies
Covid has led to a step-change in customer adoption of digital technologies… 20x subscriber jump e-grocery market expected to 40% growth in e-commerce in 2020 (from 2019 to March’ expand ~10x by 2024 2020) “We have seen two years of digital acceleration in two months” - Satya Nadella, CEO Microsoft
Slide 10: Unlocking tremendous opportunity and leveling the playing field
Unlocking tremendous opportunity and leveling the playing field… 0.1x 300 mn $900 bn Household to debt ratio Unbanked households Unmet MSME Credit Gap 0.1x of global looking for credit by 2023 in India average High adoption of fintech / digital banking in India *Source: NASSCOM (Fintech Lending: Unt
Slide 11: However digital banking models are still evolving
However digital banking models are still evolving… A Leading Payments Player in India Source: The Ken Source: CNBC Lending fintechs trying to scale Regulations still evolving <0.1% <0.3% Personal Finance MSME Share of top-5 standalone Fintechs in India Source: TransUnion CIBIL, AU estimate
Slide 12: Regulated banks are best-placed to execute on the digital banking opportunity in India
We strongly believe that regulated banks are best- placed to execute on the digital banking opportunity in India
Slide 13: Digital continues to be our top priority
Digital continues to be our top priority Building compelling customer experience across touch-points Increasing product offerings Driving engagement and building our brand as a digital bank Continual internal digitization (data analytics, automation, architecture, security) Building team c
Slide 14: Deep focus on enhancing customer experience
Deep focus on enhancing customer experience… Upgraded Mobile Banking and Internet Banking platform; launched in Q3FY21 with 130+ new functionalities 10+ new end-to-end banking service & product journeys for both NTB and ETB customers scheduled for launch in Q1FY22 Deposits Cards Loans Insurance
Slide 15: Increasing product offerings
Increasing product offerings Existing Upcoming Instant SA and FD Paperless 2-Wheeler Loan POS/QR Solutions for Credit Card and Prepaid Card Auto Market Place using Video KYC Merchants Online Home Online Unsecured Loans Lending Life Insurance Investment (MF, IPO) Tax Filing Health Insurance Digital G
Slide 16: With seamless multi-channel engagement
With seamless multi-channel engagement Offers across major brands Shopping Festival and Pre-Approved Offers on Maruti Suzuki NEXA 78% Debit Card users on Amazon were new activations Hyperlocal Debit Card Offers across cities Events for Customer Engagement
Slide 17: Continual digitization and building a strong team
Continual digitization and building a strong team • Tab based journeys for lending products - SBL (live); Home Tab Banking Loan and Wheels to be launched in Q1FY22 • Risk based score cards for credit underwriting to reduce TAT Data and Analytics • 4+ lakh pre-approved offers generated 6K+ Mobile CRM
Slide 18: Thank You
THANK YOU
Slide 19: 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
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