Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Investor Day (August 2019)
104 slides from Au Small Finance Bank's investor day presentation, Aug 5, 2019
Slide 1: The Halfway Mark
The Halfway Mark Retail Focused | Technology Led | Well Capitalized | Fast Growing | Customer Centric Assocham ABP BFSI ET Now CIBIL Best MSME Bank with Bank with Best Data CNBC Awaaz Bank leading Financial Best Quality Rajasthan SME Excellence Inclusion Technology Management Ratna Award initiatives
Slide 2: The Beginning as an SFB
April 2017 Aug 2019 April 2022 Next First 10 Qtrs 10 Qtrs Guidance Expectations Performance and Learnings Way Forward The The Complete Beginning Halfway 5 Years as as an SFB Mark SFB 2
Slide 3: Tangibles of Last 10 Quarters
Tangibles of Last 10 Quarters Our Own Expectations Outcome Disbursements Growth 35-40% 55% Proportion of Retail Born Retail, would continue 80%+ to be 80% (More than 90% loans upto INR 10 lakhs) 18,060 14,876 Deposits Accretion To fund incremental disbursements Incremental Loan AUM Incremental Depos
Slide 4: The Beginning
The Beginning 4
Slide 5: Dharma
Key Enablers Power of Strong First Banking Foundation Principle Platform Dharma 5
Slide 6: Strong Foundation
Strong Foundation Strong Foundation Small Ticket Execution Secured Pricing the Risk Retail Asset Quality Pricing the Risk Execution Execution Pricing the Risk Asset Quality Detailing Optimized Cost Relationship Consistency Hungry Seizing for more the Opportunity 6
Slide 7: First Principle
First Principle Challenging the Status-Quo ->> To Simplifying Banking A bank that credits interest on Savings Account on a monthly basis. A bank that offers extended customer banking hours. A bank that encourages minimal paperwork with no deposit slips or withdrawal slips. A bank that delivers seaml
Slide 8: Power of Banking Platform
Power of Banking Platform Limitless Opportunities, Perpetual Journey • Transition from NBFC to Bank • IPO • Scheduled Commercial Bank • Preferential Equity issuance of INR 1000 Crore attracting marque investor – Temasek • Credit Rating upgraded to AA- / Stable • Issue of Tier II Capital of Rs. 500 C
Slide 9: AU Dharma
AU Dharma Defining the way we work 9
Slide 10: Comprehensive Product Bouquet - Focus on Customer Delight
- Comprehensive Product Bouquet - Focus on Customer Delight If customer needs it, we will make it happen 10
Slide 11: Comprehensive Product Bouquet
Customer Comprehensive Product Bouquet Focus Personal Banking Savings A/C Term Deposit Insurance Wheels Loan Home Loan CF Loan Gold Loan PL / BL & Deposits Investment Advances Commercial Banking Current A/C SBL Business Banking Trade & FX Agri SME NBFC Real Estate Deposits Advances 11
Slide 12: Focus on Customer Delight
Customer Focus on Customer Delight Focus “Warmth of a relationship and excellent service delivery are two most important products of a bank” UYC Understand your Customer Moving from transactional conversational → relationship building conversation Understand your Product Shifting from sell the produ
Slide 13: Vintage Verticals – Impact Created
Vintage Verticals – Impact Created Urgency in everything we do 13
Slide 14: Impact Created
Bias for Action Impact Created ~4,22,000 ~88,000 ~400 ~160 Vehicles MSMEs Real estate NBFCs accelerated elevated projects partnered supported AUM 10,812 Cr AUM 8,509 Cr AUM 801 Cr AUM 2,579 Cr Alchemy o Understanding our Customers. o Catching the imagination & Delivering beyond expectations. o Build
Slide 15: New Verticals – Lives Touched
New Verticals – Lives Touched 100% ownership accountability and 0% excuses 15
Slide 16: Lives touched
Responsibly Entrepreneurial Lives touched ~9,60,000 ~67,000 ~53,000 ~5,59,000 ~6,600 Savings Account Deposit Current Account Lives covered Lockers opened Customers opened provided 2,638 Cr mobilised 14,656 Cr mobilised 766 Cr mobilised 248 Cr premium ~2,44,000 ~46,000 ~10,000 ~4,300 ~1,200 Assets se
Slide 17: Building Digital Solutions
Building Digital Solutions Willing to go the extra mile in everything we do & thoroughly understand customer needs, issues and organizational delivery models 17
Slide 18: Industry First Initiatives
Work Hard and Industry First Initiatives Look For Details Saving Account on Whatsapp Current Account & Fixed Deposit on Tab Branch Agnostics account opening Hybrid BC - Mini Branches opening Current Account & collecting EMIs Two-Wheeler paper less, end-to-end digital journey (Similar digital journey
Slide 19: Digital Channels & Payments
Work Hard and Digital Channels & Payments Look For Details Internet Banking Digital Payments Debit Card Credit Card • Best-in-class • Live on key payment Corporate Internet modes live - NEFT, • Offering Rupay & Visa • Evaluating launching a Banking RTGS, IMPS, UPI cards powerful credit card in • Com
Slide 20: Digital Footprints
Work Hard & Digital Footprints Look for Detail www.aubank.in AU Bank Instant Savings Website Mobile Banking App Account Opening App ~10,000 Visitors ~1,30,000 Users ~11,000 Customers (per day in June,2019) AU Business App Kaizala Employee Business Referral Program Employee Communication App ~11,000
Slide 21: Our People & Initiatives
Our People & Initiatives We nurture talent and together we are a great team working for common goals 21
Slide 22: Building the Character of the Bank
Nurture Talent Building the Character of the Bank & Succeed Together समझदारी (Sensibility) ईमानदारी (Honesty) ज़िम्मेदारी (Responsibility) Empowering Bank Officer Formed Business Solution Group who will provide solutions through technology Focus on Strategy – craving out experienced bankers to form
Slide 23: Our Governance Structure
Our Governance Structure We are fair and consistent in all our dealings - employees, customers, partners or shareholders 23
Slide 24: Living the Best Practice
Living the Best Practice Integrity Independent Board Real time monitoring Risk based Audit Well defined credit committee structure Transparency & Data Disclosures 24
Slide 25: The Future
The Future Way forward for next 10 quarters 25
Slide 26: Way forward: Grow The Right Way and Build the Bank
Way forward Grow The Right Way and Build the Bank ❑ Right combination of 4Ds Data, Digital and Distribution will allow us to deliver Delight to our ‘Customers’ ❑ Consistently Grow Assets by 30-35% p.a.; Assets Targeted to reach at USD 10 billion by 2022 ❑ Funded by Granular Deposit Base; Deposits ta
Slide 27: Thanks
Thanks The Government of India RBI, NABARD, SIDBI, MUDRA, NHB Shareholders Partners Customers Team All of you 27
Slide 28: AU Small Finance Bank
AU SMALL FINANCE BANK aa 3m ad! 28
Slide 29: A. Personal Banking
AU SMALL. FINANCE BANK A. Personal Banking ach sit ag 29 | scr |
Slide 30: Personal Banking Objective
Personal Banking Personal Banking Objective “Building a long-term sustainable retail deposit funded retail credit franchise” 30
Slide 31: Comprehensive Product Bouquet
Comprehensive Product Bouquet Personal Banking Savings A/C Term Deposit Insurance Wheels Loan Home Loan CF Loan Gold Loan PL & BL & Deposits Investment Advances Build retail sticky long-term Vintage Asset products – New Asset products – Building deposits Reinforced on Bank Serve customers financial
Slide 32: Weaving NBFC and Bank
Principles Personal Banking Weaving Go to Granular NBFC and Market Asset & Bank Strategy Liability 32
Slide 33: Branch Banking
1. Branch Banking Journey to build a Robust RETAIL book … 33
Slide 34: So Far … So Good
So Far … So Good Personal Banking 555 ~13,00,000 Touchpoints Customers Rs. 18,060 Cr 418 56 81 Deposits Branches Business Asset Centers Correspondents Rs. 2,638 Cr Rs. 766 Cr Rs. 14,656 Cr* Savings Account Current Account Term Deposits Deposits Deposits As on 30th June 2019 *Excludes Certificate of
Slide 35: Learnings so far
Learnings so far Personal Banking Leaner Branch Network through Hub and Spoke Model Digitization, Automation and Convenience To gain Trust you must be a Secure and Smart Bank Sniper Focus -Specialization in Acquisition Channels Key Learnings Sales Effectiveness by Building a Robust Sales Process Gra
Slide 36: Core Strategic Pillars for FY 19-20
Core Strategic Pillars for FY 19-20 Personal Banking Specialized Robust Sales Comprehensive Channels for Strengthen the Cost Optimized Granular Retail Process : and Customer CA, Salary, Payment Branch @ Branch The AU Centric TASC, Coop Ecosystem Expansion Way! Proposition Bank, Govt Organizations 36
Slide 37: Granular Retail @ Branch
Granular Retail @ Branch Personal Banking Focus on Senior Citizens, Women, NRI, TASC Segments “ पैसा किससे आ रहा है , और Focus on Focused SA & TD generation Team for किसिो ददया जा रहा है , Wholesale बैंि में किसी िो भी पता नहीीं from Liabilities Individuals होना चादहए ” It must be so Granular… FACEL
Slide 38: The Robust Sales Process
The Robust Sales Process Personal Banking The AU Way ! Simple & Lucrative Rewards and Recognition Analytics led engagement support Go To Market …High BTL Engagement Ladder of Everyone Sells , Everyone Earns Growth You Acquire, You Manage App Based DSR 38
Slide 39: Customer Centric Proposition
Customer Centric Proposition Personal Banking Best in Industry Digital 95% Adoption Revamp of Net ▪ Strengthening of Cards Program Payments Banking and ▪ Leveraging Partnerships with Fintech Ecosystem Mobile App ▪ BIN Sponsorship Engagements ▪ Offers & Benefits Analytical Engagement Campaigns ▪ 2nd
Slide 40: Decoding Branch led acquisition
Decoding Branch led acquisition Leaner Branches (<1000 Sq Feet) Deeper Penetration in Existing High Liabilities Yield Geographies Branch Agnostic Sales Team (@ Sales Hubs) Stitched with Flagship Branches Banking Outlet led expansion in Unbanked Locations Evolved & Smart BC Branch Model for enhancing
Slide 41: Correct Prioritization of Products
Correct Prioritization of Products Personal Banking CA, SA, TD – The Right Mix Desired Liability Mix 1 Retail Term 2 2 TAB Based Deposits Savings Current STP Digital Acquisition Account Account with best in industry TAT Easy to Pitch Bundling with – TD, 3 in 1 Complete Bouquet of Proposition Stable
Slide 42: PATH 2022: The RIGHT Path
PATH 2022 : The RIGHT Path Personal Banking Parking Account to Primary Account Transition 1000 Touch Point Outlets | 600 Branches & 400 Outlets “Evolving Branch Expansion Strategy, to cover TOP Deposit Centers” Building a Relationship Oriented, Robust & Granular Retail Book 42
Slide 43: Personal Banking - Wheels
2. Personal Banking - Wheels 43
Slide 44: Vintage of 24 years…
Vintage of 24 years….. WHEELS INR Crore Wheels AUM 12000 10 yr CAGR – 47% 10,812 10,224 10000 8000 7,135 6000 5,396 4,174 4000 2,931 3,115 3,146 2,060 2000 1,069 187 214 428 0 4 0 Mar'96 Mar'04 Mar'08 Mar'09 Mar'10 Mar'11 Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Jun'19 44
Slide 45: Vintage of 24 years…
Vintage of 24 years….. WHEELS INR Crore Annual Wheels AUM Growth 12000 10 yr CAGR – 47% 2 10,812 150% 10,224 10000 1.5 100% 93% 8000 1 7,135 42% 43% 6000 33% 5,396 0.5 15% 6% 1% 4,174 4000 29% 32% 0 2,931 3,115 3,146 2,060 2000 -0.5 1,069 187 214 428 0 4 0 -1 Mar'96 Mar'04 Mar'08 Mar'09 Mar'10 Mar'1
Slide 46: Respecting the cycle for 24 years…
Respecting the cycle for 24 years….. WHEELS INR Crore Annual Wheels AUM Growth 12000 10 yr CAGR – 47% 2 10,812 150% 10,224 10000 1.5 100% 93% 8000 1 7,135 42% 43% 6000 33% 5,396 0.5 15% 6% 1% 4,174 4000 29% 32% 0 2,931 3,115 3,146 2,060 2000 -0.5 1,069 187 214 428 0 4 0 -1 Mar'96 Mar'04 Mar'08 Mar'0
Slide 47: Created a Diversified Space
Created a Diversified Space WHEELS Customer Value Enablers Profile Proposition ▪ First Time Buyers ▪ New, Used & Refinance ▪ First Time Users ▪ Rural, Semi-urban & Urban ▪ Deep Distribution model ▪ Last Mile / Intra-City Operators ▪ Personal, Passenger & Loading ▪ Customized Product Suite ▪ Tour & T
Slide 48: Granular Approach
Granular Approach Very granular Wheels loan book WHEELS 4,22,565 INR 3.5 to 4.0 lakh 3 to 4 years 80% INR 14,000 85% Active loans Avg ticket size Avg tenor Avg LTV Avg EMI PSL Substantially Passenger & last mile transport Salaried Personal New Vehicle Passenger Vehicles Non-Salaried Taxi / Commercia
Slide 49: Well Diversified across Segments, Type, Make
Well Diversified across Segments, Type, Make Increased Proportion of Passenger Vehicles (PV) Wheels portfolio distributed across segments Strong Manufacturer & Model selection 1% 1% INR Crore Cars 10,812 Maruti 3% 1% Multi-Utility Vehicle 1% M&M Others, 1% 7% 5% 11% Small Commercial Vehcile 2% Tata
Slide 50: Used gaining proportion; Diversifying geographically
Used gaining proportion; Diversifying geographically Increasing proportion of Used & Refinance (COW) Building Wheels book outside Rajasthan WHEELS INR Crore 10,812 0% Trade Rajasthan Advance, 2% 2%1% 1% Maharashtra Used + 8% COW, 31% Madhya Pradesh 8% 35% Gujarat 2,060 Punjab New, 68% Delhi Used + C
Slide 51: Key Differentiators: Sourcing and Credit
Key Differentiators: Sourcing and Credit WHEELS Sourcing In-house Field Investigation Direct Sourcing: No DSA Local Employees in Field Strong Referral Channel Touch and Feel Repeat Customers Customer Equity in absolute terms Asset Quality alignment In-depth Credit 51
Slide 52: Key Differentiators: Collection
Key Differentiators: Collection COLLECTION - A SUPER SPECIALTY UNIT – RIGHT TREATMENT FOR EVERY CASE Mobile Enabled Platform Bond Team Insurance Recovery Legal MCCT Customer Digital 1st Simplified Next Gen Field Collection Repo-Sale & ARD Analytics In-house Tele-calling Set-up 52
Slide 53: Superior Asset Quality – across cycles
Superior Asset Quality – across cycles WHEELS INR Crore Wheels AUM & 90+ DPD 12000 4.0% 3.5% 10,812 10,224 3.5% 10000 3.0% GNPA 3.0% 8000 90+ 7,135 2.3% 2.5% DPD 2.0% 2.0% 2.1% 1.9% 6000 5,396 2.0% 1.3% 1.2% 1.3% 4,174 1.2% 1.5% 4000 2,931 3,115 3,146 0.8% 1.0% 2000 0.5% 2,060 1,069 0.5% 0% 0% 187 2
Slide 54: Market Size – 51 Lakh New Vehicles
Market Size – 51 Lakh NEW VEHICLES (Ex of Two Wheelers) 54
Slide 55: In AU's States – 25 Lakh
BANK In AU’ STATES — 25 Lakh AU 55
Slide 56: AU's Market Share in New Vehicles
AU’s MARKET SHARE in New Vehicles 3.5% 56
Slide 57: Used is the New New
Used is the New New WHEELS Used Car Market: Moving -> Unorganised to Organised Used Car Market Size Units (lacs) Financial Penetration 75 70 % 40 17 % 2018 2022 Used New Uptick in Shift in Assuming 15% Ample Rural CAGR opportunity Used Car Customer Penetration Outlets Profile Opportunity AU Mar'19 2
Slide 58: Future Ready
Future Ready WHEELS Paperless Two-Wheeler Loan Journey Biometric e-sign Loan Paperless Journey 2 to 22 Wheels New Used Cash-on-Wheels Electric Vehicles in Foresight Team Govt. Focus Infrastructure 58
Slide 59: Way Forward – Build The Bank
Way Forward – Build The Bank WHEELS AU on Wheels… Bank on The Bank Digital Orientation Data & Analytics 24 Years Vintage 59
Slide 60: End of Session
AU SMALL. FINANCE BANK End of Session | sche 60
Slide 61: B. Commercial Banking i) SBL - MSME
B. Commercial Banking i) SBL - MSME 61
Slide 62: MSME Business Quadrant
MSME Business Quadrant SBL-MSME MSME Quadrant 62
Slide 63: Who is our MSME Customer?
Who is our MSME Customer? SBL-MSME रोटी िपडा मिान शिक्षा स्वास््य रहन सहन Consumption Driven Business Food Clothing Housing Education Healthcare Life-style Income is there but proof may/may not be there Avg EMI ~ Rs. 19,500 The only asset as collateral – SORP / SOCP LTV < 50% 1st formal Business Loa
Slide 64: We have just scratched the surface
We have just scratched the surface No. of MSMEs as per Ministry of MSME SBL-MSME 6.3 Crore Reported Credit Gap of 25.8 Lakh crores Micro Small Medium 99.5% 0.5% 0.0% Focus No. of MSMEs in AU’s 11 States AU MSME 1.79 Crore Book ~INR 8500 Crs Micro Small Medium 99.0% 1.0% 0.0% No. of Micro and Small E
Slide 65: AU Moat – Vintage of Last 9 Years
AU Moat – Vintage of Last 9 Years BANK PLATFORM PULL SBL-MSME The Bank of the 0 0 3,200 CAGR 8,500 Self Employed 55%+ 1996 2009 2017 Jun 2019 2022 2025 Commenced AU Commenced MSME Commenced Bank Will Complete Journey Journey Journey 5 Yrs as SFB SCLT Made in AU Diversified Distribution Phy-gital Pro
Slide 66: AU MSME – Key Pillars
AU MSME – Key Pillars SBL-MSME BIG PICTURE Pioneers of SBL Cumulative Cumulative No. of States = 11 GNPA as on Jun’19 Most Focused Disbursement customer Clusters = 38 2.5% Product INR 12000+ Cr. ~1,14,000 Branches = 321 CORE USPs SCLT - MADE BY AU IN JPR Sales – 1876+ Credit – 570+ Legal – 70+ Techn
Slide 67: Excellent Asset Quality
Excellent Asset Quality SBL-MSME Segment Wise NPA Rates AU SBL-MSME 3.0% 3.2% 3.1% 2.4% 2.4% 2.6% 2.6% 2.5% GNPA Source: TransUnion CIBIL 67
Slide 68: Probability of Default Model
Probability of Default Model SBL-MSME • The probability of default (POD) model is developed to profile the risk-levels of existing AU customers • 101 variables are used to predict ‘intent to default’ for a given customer Customer Profile Product Holding Repayment History Total # Payment On time Paym
Slide 69: Way Forward
Way Forward SBL-MSME Broaden Cross-sell Alternate the Branch Franchise Prospect sourcing by Sales Officer Channels Funnel Sharpen Detailed Profile and Property fitment Customized the Saw Data Capturing Training Improved Analytics Lead Generation Digitization Efficiency Support Business Business 69
Slide 70: B. Commercial Banking ii) Small & Mid Corporate
B. Commercial Banking ii) Small & Mid Corporate 70
Slide 71: Small & Mid Corporate – NBFC
Small & Mid Corporate – NBFC • Vintage business with more than 6 years of seasoning • NIL 0+ DPD account in NBFC Book since inception • 161 Clients with 335 Facilities out of which 81% are less than INR 10 Crore and 55% are less than INR 5 Crore • Well diversified book across AFCs, HFCs, MFIs, Gold
Slide 72: Small & Mid Corporates – REG
Small & Mid Corporates – REG • Vintage business with more than 6 years of seasoning • Book is well diversified between Row Houses, Low-Rise and High-Rise projects • 93% of Facilities are less than INR 5 Crore with average ticket size of INR 2.4 Crore • Strictly selective sourcing , largely focused o
Slide 73: Small & Mid Corporate – Business Banking and Agri & SME
Small & Mid Corporate – Business Banking and Agri & SME • Focused products for bank within Small and Mid Corporate book • Being built on retails distribution much like Wheels and SBL Business • Strategic product from Branch Banking point of view as it brings in stickiness around CASA • Business Bank
Slide 74: Small & Mid Corporate – Trade & Forex
Small & Mid Corporate – Trade & Forex • Focusing on domestic trade business including LC, BG, LCBD and AD-II remittances • Healthy increase in transaction YOY basis, have handled 612 transactions of INR 212 Cr Value in Q1FY20 itself compared to 1539 transactions of INR 425 Cr Value in FY19 • Large o
Slide 75: End of Session
AU SMALL. FINANCE BANK End of Session | sche 75
Slide 76: C. Treasury
AU SMALL. FINANCE BANK C. Treasury aden set as ron |
Slide 77: Leveraging Bank Platform
Leveraging Bank Platform Treasury Improving Cost of Funds 9.6% Drop in cost of funds by 8.4% 170 bps 7.9% 7.9% 61% 63% 43% 57% 39% 37% 100% Mar-17 Mar-18 Mar-19 Jun-19 Borrowing Deposits* Cost of Funds CD Ratio Movement Particulars 31-Mar-17 30-Jun-19 Net Increase Loans AUM 10,734 25,610 14,876 Incr
Slide 78: Leveraging Bank Platform
Leveraging Bank Platform Increasing Deposits diversifying funding mix favorably Treasury Deposit + 7,071 15,562 28,036 28,856 Borrowings* 7% 5% 21% 43% 61% 63% Moderate CD book at ~6% 8% 2% 68% 23% 8% 6% Stable long-term 5% 5% Refinance Book 19% 20% helping in ALM 24% 7% 6% Grandfathered Mar'17 Mar'
Slide 79: Treasury – Key Focus Areas
Treasury – Key Focus Areas Treasury Key Treasury Resources • Ability to securitize portfolio - Securitization of Rs. 1700 crores in Q1FY20 • Long Term Refinance from DFIs • CDs / Inter-Bank lines (currently only 6% of external borrowings) Prudent Liquidity Management • Maintaining optimal liquidity
Slide 80: Strategy & Way Forward
Strategy & Way Forward Treasury • Continued efforts for reduction in cost of funds & keeping adequate liquidity • Effective management of SLR & Non SLR Investment Book to avoid negative carry and MTM • Focus on enhancing treasury gains with prudent risk framework • Judicious optimization of Securiti
Slide 81: Market Outlook
Market Outlook Treasury • Interest rate are directionally lower (rate cut of 75 bps in last 3 policy announcement) • Expect RBI to cut rates further to support growth tracking low inflation and stable oil prices • Expecting 10Y Benchmark G-Sec yields to trade between 6-6.25% in near term (currently
Slide 82: D. Governance
AU SMALL. FINANCE BANK D. Governance ach sit ag 82 | scr |
Slide 83: Governance Framework
Governance Framework • Independent Risk , Audit and Compliance Function with unfettered access to the Board • Governance functions play vital role in strategic decisions of the Bank • Board / Delegated committees are put in place for Risk and adherence of Compliances • Three line of Défense Mechanis
Slide 84: Technology support
Technology support Continuous process Data Analytics for Re-engineering by Alert Based Real Time effective Risk Risk Based Auditing Leveraging Functionalities Monitoring Management & Technology Governance 84
Slide 85: Technology Partners in Governance
Technology Partners in Governance 85
Slide 86: Information and Cyber Security Partners
Information and Cyber Security Partners Governance 86
Slide 87: E. Digital, IT and Analytics
E. Digital, IT and Analytics 87
Slide 88: Enablers for Digital Bank
Enablers for Digital Bank Technology Infrastructure Digital Analytics & Security Agile Application Management Solutions Data Science Framework Stack 88
Slide 89: Enterprise Architecture
Enterprise Architecture Technology Design Principles Scalable and API Driven Unified Customer 360 Omni-channel Experience 100% DC and DR 89
Slide 90: Don't love visiting branches… we love visiting your homes
Technology Don’t love visiting branches… … we love visiting your homes 90
Slide 91: CA and FD opening on Tab
CA and FD opening on Tab Technology • Opening sole-proprietor Current Account on tab • Branch agnostic account opening • Minimum documentation • Insta kit with cheque book and account number • Vypaar OD facility • Account activation notification over mail • Fixed Deposit opening through tab 91
Slide 92: …bank typical millennial style
Technology …bank typical millennial style 92
Slide 93: SA opening on WhatsApp
SA opening on WhatsApp Technology • First in industry initiative • Open savings account by giving missed call • Open account in under 2 min using your AADHAR and PAN details 93
Slide 94: …get your banking constantly upgraded
Technology …get your banking constantly upgraded 94
Slide 95: Mobile and Internet Banking revamp – Coming Soon
Mobile and Internet Banking revamp – Coming Soon Technology • Face ID for login authentication • End-to-end in app journey for all products • Tax payment, Mobile recharge and bill payment • UPI enabled • Conversational Banking - Voice assistant with SIRI and Google Assistant integration • Predictive
Slide 96: …borrow with minimal or no paperwork
Technology …borrow with minimal or no paperwork 96
Slide 97: Paperless Two Wheeler loan
Paperless Two Wheeler loan Technology • Paper less loan disbursement process • Only AADHAR and PAN details required • Bio-metric authentication and e-sign to complete the journey 97
Slide 98: …get serviced at smart branches
Technology …get serviced at smart branches 98
Slide 99: 3-in-1 Account Launch
3 – in – 1 Account Launch Technology • AU Bank Savings Account along with Demat and Trading Account in Partnership with Motilal Oswal Group • Account activation in 30mins • Initiate trading same day • Minimum brokerage 99
Slide 100: 360 Degree Analytical Approach
360 Degree Analytical Approach Data Culture Infrastructure + Processes + Tools + Skills Customer Delight Reporting Warehousing Deduplication Modeling Quick Decisioning Visualization Quality Mobility Mining Effort Optimization Governance Machine Learning Security 100
Slide 101: now is the time to up the game…
Technology now is the time to up the game… 101
Slide 102: Building Digital Bank 1 to 100
Building Digital Bank 1 to 100 Technology …hyper-personalized services …open banking infrastructure …capturing imaginations proactively …innovative factors of authentication …futuristic interfaces 102
Slide 103: 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 104: Thank You
THANK YOU Contact for Investor queries: Sunil Parnami / Hemant Sethia AU Small Finance Bank Ltd Tel: +91 22 6249 0607 / +91 22 6249 0614 Email: investorrelations@aubank.in 104