Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Q4 FY26 Earnings Presentation
61 slides from Au Small Finance Bank's earnings presentation, Apr 27, 2026
Slide 1: Exchange filing cover letter
Ref. No.: AUSFB/SEC/2026-27/45 Date: April 27, 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 Code:
Slide 2: Q4'FY26 Earnings presentation
Q4’FY26 Earnings presentation 27th April 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: Q4'FY26 - Strong finish to the year
Q4’FY26 - Strong finish to the year ❑ Deposits grew at 23% YoY (10% QoQ) to ~₹1.52 lac cr vs ~13% estimated growth in private banking sector Deposits ▪ CASA ratio at 28%, with stable deposits (CASA + Retail TD + Non callable Bulk TD) forming 79% of total deposits ▪ CoF declined further by 12bps QoQ
Slide 5: Q4'FY26 – key non-financial highlights
Q4’FY26 – key non-financial highlights ❑ Pursuant to the Bank’s request, RBI replaced condition of NOFHC requirement which will now apply to the transitioned Universal Bank Universal Bank only if the Bank or its promoter group proposes to establish any group entity in the future. ❑ Subsequently, Ban
Slide 6: Core metrics tracking well
Core metrics tracking well Margins recovered after initial rate cut led fall Focus on gaining operating leverage (Cost-to-asset*) 6.0% 4.4% 5.8% 5.7% 4.3% 5.4% 5.5% 4.1% Q4'FY25 Q1 Q2 Q3 Q4'FY26 FY24 FY25 FY26 NIM for FY26 at 5.65% (vs. 5.94% in FY25) Cost-to-asset ratio for FY26 at 4.2% including C
Slide 7: Expanded distribution footprint
Expanded distribution footprint Expanded distribution in last 2 years, aided by Fincare acquisition Deposits Retail Assets Product penetration Total unique Business Inclusive as on touchpoints @ Urban Swadesh Banking Banking Wheels MBL HL Gold Banking banking Mar’24 (Pre-merger) 727 315 176 546 532
Slide 8: Long-term performance trajectory remains strong
Long-term performance trajectory remains strong 1996 2017 2021 2024 2025 Started as a vehicle Commenced Launched Digital Bank, Acquired In-principle approval financier operations as an SFB video banking and Credit Fincare SFB for Universal Bank cards Metric FY18 FY26 Multiple Customer base 7.5 Lacs
Slide 9: Agenda
1 AI & TECH UPDATE 2 OPERATING & FINANCIAL HIGHLIGHTS 3 LIABILITIES UPDATE 4 ASSETS PERFORMANCE 5 ABOUT AU SMALL FINANCE BANK 8
Slide 10: AI & Tech Update
1 AI & TECH UPDATE 2 OPERATING & FINANCIAL HIGHLIGHTS 3 LIABILITIES UPDATE 4 ASSETS PERFORMANCE 5 ABOUT AU SMALL FINANCE BANK 9
Slide 11: Agentic AI: A strategic operating pillar
Agentic AI: A strategic operating pillar Embedding AI into AU’s Core ❑ Our AI roadmap further accelerates our ambition to become a truly Tech-led bank by enabling superior customer experience, intelligent business processes and personalized contextual interaction across all touchpoints through our a
Slide 12: Gen-AI & Agentic AI use cases across the Bank (1/2)
Gen-AI & Agentic AI use cases across the Bank (1/2) Customer onboarding systems ❑ Launched loan origination journey for Gold loan built on Agentic AI platform end-to-end; Expected to drive automation, improved TAT and agility ❑ Platform will be extended to Mortgages and other loan verticals in due c
Slide 13: Gen-AI & Agentic AI use cases across the Bank (2/2)
Gen-AI & Agentic AI use cases across the Bank (2/2) Lead Management Platform ❑ Centralized lead management across channels - with AI-based qualification into hot, warm, or cold leads ; data-driven allocation, tracking, and conversion ❑ Propensity-Driven Engagement: Intelligent prioritization and ser
Slide 14: Data Platform & Engineering
Data Platform & Engineering ❑ Single source of data: consistent, accurate and available across business, MIS, regulatory and analytic functions ❑ Internal review meetings e.g. ALCO/ IC conducted on this platform for several quarters, without Excel or PowerPoint Unified Data ❑ A query builder to allo
Slide 15: Data Science and Analytics using AI/ML
Data Science and Analytics using AI/ML ❑ Underwriting scorecards for NTB and ETB customers using bureau data, payment gateway data and banking data Underwriting ❑ Behavioral scorecard for credit cards drives post-acquisition strategies, limit enhancement, transaction whitelisting scorecard for unsec
Slide 16: Tech transformation and Automation
Tech transformation and Automation ❑ Modern, cloud-native, API-driven architecture for real time processing and scalability Extension of ❑ The Bank extends its digital platforms to dealers and partners for end-to-end digital sourcing and processing Bank’s digital platforms ▪ Live across Wheels, Digi
Slide 17: Operating & Financial Highlights
1 AI & TECH UPDATE 2 OPERATING & FINANCIAL HIGHLIGHTS 3 LIABILITIES UPDATE 4 ASSETS PERFORMANCE 5 ABOUT AU SMALL FINANCE BANK 16
Slide 18: Performance summary (1/3)
Performance summary (1/3) Deposit and Liquidity at Mar 31, 2026 Deposits & Cost of funds ₹1,52,661 cr Total Deposits ❑ Deposit strategy focused around three core pillars: granularity, stability and cost of funds 23% ▪ Granularity: CASA ratio at 28%, ~60% of the deposits come from Branch banking ₹9,3
Slide 19: Performance summary (2/3)
Performance summary (2/3) Advances and asset quality - Mar 31, 2026 Gross loan ₹1,40,327 cr Loan portfolio portfolio 21% ❑ Gross loan portfolio was ₹1,40,327 cr, registering a growth of 21% YoY and 8% QoQ ▪ Secured businesses (Retail + Commercial) delivered 23% YoY growth, led by Wheels (+27%) and G
Slide 20: Performance summary (3/3)
Performance summary (3/3) Financial performance – Q4’FY26 Earnings Net interest ₹2,582 cr income 23% ❑ NII grew by 23% YoY and 10% QoQ in Q4’FY26 supported by strong loan growth and expansion in margins ₹731 cr ❑ NIM expanded by 24bps QoQ to 5.96% in Q4’FY26 from 5.7% in Q3’FY26 primarily driven by
Slide 21: FY26 – Key financial numbers
FY26 – Key financial numbers ₹ in cr Net interest income Other income Total income PAT 14% 18% 16% 25% 2,641 9,113 2,978 21,614 2,106 8,012 18,590 2,526 FY25 FY26 FY25 FY26 FY25 FY26 FY25 FY26 Yield on advances Cost of funds Net interest margin Cost to income GNPA Vs Vs Vs Vs Vs 14.4% 7.07% 5.94% 56
Slide 22: Asset book snapshot
Asset book snapshot ₹ in cr Q4'FY26 Q3'FY26 QoQ Q4'FY25 YoY Segments Gross Loan GA Yield Gross Gross Loan GA Yield Gross GLP Gross Loan GA Yield Gross GLP Portfolio (%) NPA1 (%) Portfolio (%) NPA1 (%) Growth Portfolio (%) NPA1 (%) Growth Retail Secured Assets 92,742 14.2% 2.4% 87,773 14.3% 2.6% 5.7%
Slide 23: Profit & Loss statement
Profit & Loss statement (All figures in ₹ cr) FY26 FY25 YoY Q4'FY26 Q4'FY25 YoY Q3'FY26 QoQ Income Interest Earned 18,636 16,064 16% 5,019 4,271 18% 4,727 6% Interest Expended 9,524 8,052 18% 2,437 2,177 12% 2,386 2% Net Interest Income 9,113 8,012 14% 2,582 2,094 23% 2,341 10% Other Income 2,978 2,
Slide 24: Other Income
Other Income (All figures in ₹ cr) FY26 FY25 YoY Q4'FY26 Q4'FY25 YoY Q3'FY26 QoQ Loan Assets Processing & Other Fees 1,299 1,126 15% 375 336 12% 342 10% General Banking, Cross Sell & Deposits related fees 871 696 25% 242 227 7% 249 -3% Credit Card 263 351 -25% 85 58 46% 65 32% Transaction Banking &
Slide 25: Profitability ratios (Q4'FY26 and FY26)
Profitability ratios (Q4’FY26 and FY26) NII (%) Other Income (%) RoA Components 5.6% 5.6% 5.8% 2.0% 1.8% 1.8% 5.4% 1.6% Q4'FY25 Q4'FY26 FY25 FY26 Q4'FY25 Q4'FY26 FY25 FY26 Opex (%) PPoP (%) Provision & Contingencies (%) 4.3% 4.3% 3.5% 3.3% 1.7% 4.2% 4.2% 2.9% 3.0% 1.3% 1.0% 0.6% Q4'FY25 Q4'FY26 FY25
Slide 26: Quarterly trend of key parameters (1/3)
Quarterly trend of key parameters (1/3) Customers Employees Touchpoints (in Lacs) (in 000s) (#) 125.0 59.9 2,726 2,790 113.4 115.8 120.6 122.4 57.8 59.2 2,626 50.9 53.2 2,456 2,505 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26
Slide 27: Quarterly trend of key parameters (2/3)
Quarterly trend of key parameters (2/3) Figures in ₹ cr unless specified CASA Deposit Deposits Gross Advances 1,52,661 43,357 1,38,415 1,25,209 1,36,041 37,241 38,963 39,946 1,32,509 1,17,525 36,253 1,24,269 1,27,696 1,08,778 1,11,614 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4'FY25 Q1'FY26 Q2'FY26 Q
Slide 28: Quarterly trend of key parameters (3/3)
Quarterly trend of key parameters (3/3) Gross Advance Yield Cost of Fund Net Interest Margin 5.8% 5.7% 6.0% 14.4% 14.1% 7.1% 7.1% 5.4% 5.5% 13.9% 13.8% 13.8% 6.8% 6.6% 6.5% Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Cost-to
Slide 29: Balance sheet
Balance sheet (All figures in ₹ cr) 31st Mar'26 31st Mar'25 YoY 31st Dec'25 QoQ Liabilities Shareholders Fund 19,974 17,166 16% 19,085 5% Deposits 1,52,661 1,24,269 23% 1,38,415 10% Borrowings 13,872 11,660 19% 12,022 15% Other Liabilities and Provisions 5,291 4,751 11% 4,530 17% Total Liabilities 1
Slide 30: Geographic distribution of advances & deposits
Geographic distribution of advances & deposits All figures are as on Gross Loans Portfolio (GLP) Deposits 31st Mar’26 1% 2% 3% 2% 1% 4% Maharashtra Rajasthan 3% 2% 2% Rajasthan Maharashtra 3% 2% 3% 4% Delhi Madhya Pradesh 22% Gujarat Gujarat 3% 25% Haryana Delhi 4% Punjab Haryana 5% 0.7% 0.6% Uttar
Slide 31: Liabilities Update
1 AI & TECH UPDATE 2 OPERATING & FINANCIAL HIGHLIGHTS 3 LIABILITIES UPDATE 4 ASSETS PERFORMANCE 5 ABOUT AU SMALL FINANCE BANK 30
Slide 32: Deposit book – growing with stability
Deposit book – growing with stability Performance Total deposits (₹ bn) ❑ 34% deposit CAGR over last 5 years ❑ 23% YoY growth in deposits at Mar’26, amidst a competitive environment 1,527 23% 1,243 61 Strategy 27% 48 ❑ Focus across four segments with stable leadership and team across each segment –
Slide 33: Deposit book - snapshot
Deposit book - snapshot ₹ in billion Deposit mix Daily average CASA balance CASA ratio & Stable deposit ratio Total deposits 1,243 1,277 1,325 1,384 1,527 65 79% 80% 61 59 78% 79% 79% 58 56 53 47 50 52 48 29% 29% 29% 29% 28% 927 1,032 832 852 882 286 285 309 310 332 293 309 314 325 340 70 63 76 74 9
Slide 34: Assets Performance
1 AI & TECH UPDATE 2 OPERATING & FINANCIAL HIGHLIGHTS 3 LIABILITIES UPDATE 4 ASSETS PERFORMANCE 5 ABOUT AU SMALL FINANCE BANK 33
Slide 35: Well diversified, predominantly retail and secured asset book
Well diversified, predominantly retail and secured asset book Others Unsecured - 7.2% ₹1,40,327 cr Total gross loan portfolio Commercial ❑ ~68% of the portfolio is fixed rate; additionally, Banking - 22.1% ~4% of loans are floating rate, most of which is Wheels – 33.0% currently in fixed interest pe
Slide 36: Retail secured assets – Vintage book with growth opportunity
Retail secured assets – Vintage book with growth opportunity Retail Secured Assets (₹ Bn) Performance ❑ Vintage business with strong legacy, and best in class risk adjusted returns, through the cycles 927 ❑ 24%+ CAGR growth over last 6 years with ~21% YoY growth for Mar’26 21% 766 39 21% 77 Right to
Slide 37: Commercial banking – scaled book and growth opportunity
Commercial banking – scaled book and growth opportunity Commercial Banking (₹ Bn) Performance ❑ 36% CAGR in last 6 years, albeit from a low base; 320 ❑ YoY growth of 30% as on Mar’26 50 246 ❑ Merged Agri into Business banking; carved out Renewable energy vertical 32 186 68 Creating a well-crafted Ri
Slide 38: Microfinance – stabilised and started to grow
Microfinance – stabilised and started to grow Gross loan portfolio Average outstanding exposure Non-OD collection efficiency ₹ in cr Per borrower in ‘000 6,879 99.3% 99.7% 6,670 34 98.7% 98.9% 98.3% 30 6,322 28 6,232 26 27 6,174 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26
Slide 39: Digital unsecured – growth is gradually coming back
Digital unsecured – growth is gradually coming back Credit cards Personal Loans Cards In Force Portfolio Size Engagement Portfolio Size 9.94 lacs+ ~₹2,200 cr ~₹12,000 ₹3,350 cr+ ₹750 cr+ Cards Live Credit Card Receivables Avg. Spend per Card Spends in Q4’FY26 in Mar’26 Book composition Issuances hav
Slide 40: Asset quality - NPA movement
Asset quality - NPA movement Figures in ₹ cr NPA movement Q4’FY26 Q4’FY25 Q3’FY26 Opening GNPA 2,881 2,336 2,835 Additions during the period* 659 894 791 Less: Recoveries & Write Offs during the period 784 752 746 Closing GNPA 2,756 2,477 2,881 NPA summary Q4’FY26 Q4’FY25 Q3’FY26 Gross NPA 2,756 2,4
Slide 41: Asset quality - provisioning summary
Asset quality - provisioning summary Figures in ₹ cr Credit Cost Q4’FY26 Q4’FY25 Q3’FY26 FY26 FY25 Provision on NPA and Write off# 235 644 321 1,559 1,778 Repossession loss & POS loss 76 60 70 268 154 Standard & other provision 52 26 32 104 72 Covid restructuring provision (3) (4) (3) (13) (20) Cont
Slide 42: Overview of total provisions
Overview of total provisions Figures in ₹ cr Mar’26 Dec’25 Particulars Loan Loan Provisions Coverage Provisions Coverage Amount Amount GNPA 2,756 1,725 63% 2,881 1,748 61% Covid related restructuring (Standard) 231 38 16% 247 41 17% Contingency provisions 38 17 Floating provisions 41 41 Stressed and
Slide 43: About AU Small Finance Bank
1 AI & TECH UPDATE 2 OPERATING & FINANCIAL HIGHLIGHTS 3 LIABILITIES UPDATE 4 ASSETS PERFORMANCE 5 ABOUT AU SMALL FINANCE BANK 42
Slide 44: AU's Journey
AU’s Journey AI-native Gold loan origination system (LOS) deployed 43
Slide 45: With consistent and strong execution track record
With consistent and strong execution track record…. ₹ in Bn Deposit Gross advances Total assets 45% 34% 34% 1,527 1,360 1,918 1,243 1,088 1,578 872 740 1,094 694 592 902 526 468 691 360 272 354 421 516 194 262 134 230 188 326 79 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 F
Slide 46: 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% 3.3% 2.9% 3.1% 3.0% 3.0% 2.7% 2.5% 2.5% 2.0% 2.0% 1.7% 2.2% 2.3% 2.0% 2.0% 1.7% 1.7% 1.4% 1.3% 1.0% 0.6% 0.7% 0.6% 0.5% 0.5% 0.7% 0.7% 0.4% 0.4% 1.3% 1.3% 0.4% 0.2% 0.8% FY
Slide 47: 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 48: Diversified advances and deposits profile
Diversified advances and deposits profile Gross Loan Portfolio Deposits Credit Card and PL Others 2% 5% Current Account By Product Certificate of Deposits MicroFinance 4% 6% 5% Secured- Secured-Wheels Savings Account Commercial 33% 22% Banking 22% Secured – Gold Loans 3% Secured-MBL Term Deposits 25
Slide 49: Pan-India geographic presence
Pan-India geographic presence 21 States and 4 UTs 2,790 Touchpoints 499 Districts 504 Urban Branches 762 ATMs 07 10 States with more 16 AU Asset + Unbanked 62 than 100 touchpoints MFI Center 04 2,790 05 Touchpoints 703 1,206 881 47 Branches Asset Centres BO + BC + Unbanked 71 120 Net 64 touchpoints
Slide 50: Board of Directors
With consistent and strong execution track record…. 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 Ex-Deputy Governor of RBI Senior Partner -
Slide 51: Shareholding pattern
Shareholding pattern KMP, Director & their relatives (Excluding Independent Director) 1.8% Others Individuals 1.7% Domestic 4.6% Promoter & Promoter Group 22.8% Foreign holding 38% Domestic holding 62% Domestic Institution (Mutual Funds, Insurance, AIF 31.3% and Others) Foreign Holding 37.8% Note: %
Slide 52: Universal Bank conversion – key benefits
Universal Bank conversion – key benefits First “in-principle” Universal Banking license since 2014 ❑ No additional Opex to be incurred on Tech/People/Compliance ❑ Bank has now filed an application with RBI for grant of final license for universal bank transition Enhanced Brand & level playing field
Slide 53: Brand campaign
Brand campaign Our ad appeared Total Awareness saw an uplift of 5pts 171 cr+ times across media compared to Mar’25 uplift study. Brand Awareness 46% +5 pts vs Mar’25 30 171Cr 21cr 28 Date range – 5th Dec’25 to 31st Mar’26 52
Slide 54: Sustainability Initiatives
Sustainability Initiatives Sustainable Finance Sustainable Celebration ❑ Opened 24,520 Green Fixed Launched a webinar series on Deposits raising ₹ 2,950 cr+ as International Women’s day which on 31st March. brought the finest minds in the country together, each speaking to ❑ 100% deployed in Green a
Slide 55: CSR Initiatives (1/2)
CSR Initiatives (1/2) AU Ignite alumnus placed at Royal Carribbean Cruise AU Udyogini felicitated by Hon'ble CM of Rajasthan, Shri Bhajanlal Sharma AU Udyogini: As on date, total 5,995 women are nurtured and 3,926+ AU Ignite: Till Q4’FY26, 36,000+ youth got trained in 15+ centers empowered under Ind
Slide 56: CSR Initiatives (2/2)
CSR Initiatives (2/2) Para athlete won gold at National Championship Health checkup camp organised in Tamil Nadu Bano Champion: Active at 75+ locations across Rajasthan, 6,000 kids AU Kartavya: Till date executed:1,447 health checkup camps, 340+ Jal & youths regularly trained across 7 sports discipl
Slide 57: Financial & Digital Inclusion
Financial & Digital Inclusion Universal Access to Financial Services ➢ ~33% of our total touchpoints/branches – 909 are in unbanked rural centres ➢ Present in 110 Special Focus Districts* with 647 touchpoints covering 49 Aspirational districts, 16 Hill States Districts, 44 Left Wing Extremist Affect
Slide 58: External ratings
External ratings Credit Ratings ESG Ratings 16.6 Fixed Deposits AA+/Stable CRISIL (Low Risk) Long Term/ (CSA) 47 CRISIL/ CARE/ ICRA subordinated Debt/ AA/Stable Ratings Tier II Bonds AA (Leader) Short Term A1+ CRISIL/ CARE/ India Ratings 69 (Strong) 73 (Strong) 57
Slide 59: Awards and recognition
Awards and recognition “Best Bank” “Best IT Risk Management” “India's leading Small “Best Performance on Growth” “Best Tech Talent” Finance Bank Award by “Best Performance on Profitability” “Best Technology Bank” Dun & Bradstreet” “Best Performance on Asset Quality” “Best Digital Financial Inclusion
Slide 60: For further information about the bank
For further information about the bank - Scan to Download Analyst day Sustainability Annual Report FY25 AU Insights * presentation - Mar’24 Report *presentations providing detailed insights into the working of each business group 59
Slide 61: For Investor queries contact
For Investor queries contact (details in QR Code): Mr. Prince Tiwari Email: investorrelations@aubank.in
AU Small Finance Bank — Q4 FY26 Earnings Presentation on 6ix