Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — CIO Roundtable hosted by ICICI Securities 2026
34 slides from Au Small Finance Bank's conference presentation, Sep 24, 2026
Slide 1: Regulation 30 cover letter to stock exchanges
Ref. No.: AUSFB/SEC/2026-27/243 Date: September 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
Slide 2: CIO Roundtable Hosted by ICICI Securities
CIO Roundtable Hosted by ICICI Securities Sept 24, 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: We will cover…
We will cover…. ➢ AU’s strong execution track record and sustainable business model ▪ Scaled our core businesses and added newer products and segments ➢ Strategy to sustain growth in both deposits and assets ▪ We are investing in Distribution, Technology and Brand ▪ Benefits from potential transitio
Slide 5: Consistent and strong track-record of growth while maintaining margins
Consistent and strong track-record of growth while maintaining margins in ₹ ‘000 cr. Deposits in ₹ ‘000 cr. Gross Loan Portfolio 144 18 0 16 0 153 158 140 45% 16 0 31% 14 0 124 116 CAGR (FY18-26) CAGR (FY18-26) 14 0 12 0 12 0 Robust 82 10 0 87 10 0 69 64 80 Business 80 48 53 60 Growth 38 60 36 31 26
Slide 6: Robust asset quality & profitability across cycles
Robust asset quality & profitability across cycles GNPA and NNPA (%) Credit Costs (% of Avg. Total Assets2) 4.3% GNPA (%) NNPA (%) 9 yr avg is ~0.7 bps 1.4% 1.3% Stable 2.0% 2.3% 2.1% 2.0% 2.0% 2.0% 1.0% Asset 1.7% 1.7% 1.7% 0.7% 0.8% 0.6% 0.6% Quality 2.2% 0.7% 0.7% 0.8% 0.4% 0.4% 0.5% 0.5% 1.3% 1.
Slide 7: 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 8: 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 117% retail franchise 103% 96% 88% 84% 88% 86% 88% ` 723 514 Branch Banking Pan India Liability Branches Urban Branches FY18 FY19 FY20 FY
Slide 9: Building a scalable deposit franchise is a continuous journey
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 upon potenti
Slide 10: Advances - Well diversified and vintaged product suite
Advances - Well diversified and vintaged product suite Asset book Breakup (by vintage) FY 24 Vintage (Proforma FY 26 CAGR FY26 Mix S.No. Gross Loan Portfolio Merged) (in Years) (in '000 Cr) % % Existing Products 83 124 22% 88% 1 Wheels 30 29 46 27% 33% Mortgages 19 33 42 14% 30% 2 Micro Business Loa
Slide 11: Transitioned into one of India's most diversified retail-led franchise
Transitioned into one of India’s most diversified retail-led franchise Breakdown of customer assets (All figures in ₹ ‘000 cr.) 30th Jun'26 30th Jun'25 YoY 31st Mar'26 QoQ Consumer Assets 66 58 14% 64 3% - Mortgages1 Retail 43 39 12% 42 2% - Auto (Cars, 2W) Retail 20 16 21% 19 5% - Credit Cards Reta
Slide 12: Strategic focus for driving sustainable loan growth
Strategic focus for driving sustainable loan growth ❑ Continued growth in core retail & commercial banking business Growth from ❑ Scale newer business from a low base – MFI, Gold, PL/BL,CC existing ❑ Continued investment in technology & AI led enablement businesses ❑ Expansion of asset franchise to
Slide 13: Multiple levers for Profitability
Multiple levers for Profitability ❑ NII growth to be supported by expansion in high yield/high RoA businesses of MFI, Gold loan, PLand BL ❑ Funding cost optimization through scale, liability mix & Universal Bank opportunity Income ❑ Expand fee pools through deeper customer engagements (TBG, credit c
Slide 14: Key macro variables
Key macro variables Macro opportunities Things to watch out for India’s Nominal GDP is projected to grow at 10% by 20311 #4 India ✓ Geopolitical uncertainty and crude prices $6.2T From $3.9T in FY26 CAGR: 10% ✓ Macro factors – Inflation, Rate hike Only 15% of India’s population borrowed money from F
Slide 15: Leadership and Governance
Leadership and Governance Management team strengthened Sanjay Agarwal Vivek Tripathi Uttam Tibrewal Yogesh Jain Founder, MD& CEO Executive Director Deputy CEO Deputy CEO Credit & Collections Retail banking Technology & Digital Leadership Senior hires Anil Agarwal Amol Ashok Padhye Head - Commercial
Slide 16: 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 17: Technology Overview
Technology Overview Digital, Data, Analytics & AI - Strategy and Outcomes Video
Slide 18: Our technology strategy
Our technology strategy Run - Resilient Core 01 Modernised core banking, cloud-first infrastructure and an AI-run command centre Build - Digital Experiences 02 AU 0101 super app, straight-through onboarding and digital lending journeys Transform - Data, Analytics & AI 03 Enterprise lakehouse, Custom
Slide 19: Three pillars of execution
Three pillars of execution RUN BUILD TRANSFORM Keep the lights on — reliably, Build differentiated experiences for Transform AU Bank with Data securely, efficiently customers, Employees and partners Intelligence, Analytics and Agentic AI • Cloud & Hybrid Infrastructure — • AU 0101 Super App Evolutio
Slide 20: Modernised core, run by an AI command centre
Modernised core, run by an AI command centre 99.9% 200+ 70% <300ms Uptime Open Banking APIs Cloud footprint Latency RELIABLE CORE MONITORED THROUGH UNIFIED COMMAND CENTRE Cloud-First Migration Observability Platform AI Anomaly Detection 70% of workloads to hybrid cloud (AWS + private DC). Unified lo
Slide 21: Build: differentiated experiences for customers and employees
Build: differentiated experiences for customers and employees CONSUMER TECH EMPLOYEE TECH AU 0101 Super App Digital Onboarding & Workflow Automation One app for banking, payments, lending and everyday service Servicing journeys. Single workbench to Paperless approvals across onboard, sell, serve and
Slide 22: The digital channel - three stacks, one secure platform
The digital channel - three stacks, one secure platform 18.4 L 3.22 L 44% 92/100 Monthly active users Daily active users DAU / MAU stickiness App health score AU 0101 and AU 0101 Business carry 95%+ of transaction volumes and 90%+ of service interactions AU 0101 AU 0101 Business Payments Primary ret
Slide 23: Digital employee workspace to onboard, sell, serve and monitor
Digital employee workspace to onboard, sell serve and monitor 60%+ 2 min 25K+ ₹500 Cr+ ~75 Onboarding straight- Four-click personal loan on Sampark users, Disbursed via Cross Regulatory returns on through. 3L+ Account AU 0101, ~2.3x growth in Q1 ~94% daily active Lead Platform the new platform Sales
Slide 24: Transform: Data stack - from engineering to agentic AI
Transform: Data stack - from engineering to agentic AI DATA ENGINEERING BI & DATA ANALYTICS AGENTIC AI Unified Data Platform Decision Analytics AI Centre of Excellence Single lakehouse across core, digital and 20+ risk and cross-sell scorecards in Central team that builds and governs every partner s
Slide 25: Agentic AI architecture - the target blueprint
Agentic AI architecture - the target blueprint LAYER 5 Multi-Agent AI Ethics & Compliance layer Orchestration & Human-in-the-Loop Audit trails & model Orchestrator Explainability (RBI, DPDP Act, Governance approval gates risk management (Master Agent) engine SEBI) Fraud & Risk Customer Ops Collectio
Slide 26: Data Lakehouse
Data Lakehouse Strengthen digital engagement, payments capabilities and customer experience through scalable, AI-enabled platforms — the key enabler for the Bank's AI-Native aspirations. W H Y I T M AT T E R S W H AT W E AR E B U I L D I N G • Moves the bank away from manual MIS and Excel reports •
Slide 27: Analytics as a business enabler
Analytics as a business enabler ₹400 Cr ₹100 Cr 10x 50%+ scorecard-led, pre-approved incremental card spends through PL cross-sell conversion uplift AML alerts auto-closed by ML Wheels Loans disbursed YTD behavioral scorecards LENDING SCORECARDS FRAUD & RISK — AI-LED CONTROL GOVERNED BY DESIGN • Cre
Slide 28: 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 — Dialoqa & Agentic Framework — Lending Voice AI — Service & Cross-Sell Intellect LOS
Slide 29: Cyber Security: AI-powered and AI-protected
Cyber Security: AI-powered and AI-protected CYBER SECURITY USING AI AI SECURITY — SECURING OUR AI SYSTEMS AI Threat Detection (SIEM+) LLM & Model Security ML-based SIEM across 1B+ daily events, with real-time threat Models hardened against prompt injection and data poisoning, red- hunting teamed bef
Slide 30: The ecosystem supporting our tech roadmap
The ecosystem supporting our tech roadmap DATA-RICH ECONOMY NEW BUSINESS MODELS AGENTIC AI & AI MISSION India Stack & Account Aggregator Super-App Banking Agentic AI at Scale UPI, Aadhaar and consent-based data sharing AU 0101 moves from transactional utility to a Voice, onboarding and servicing age
Slide 31: Agentic AI architecture - the target blueprint
Agentic AI architecture - the target blueprint LAYER 5 Multi-Agent AI Ethics & Compliance layer Orchestration & Human-in-the-Loop Audit trails & model Orchestrator Explainability (RBI, DPDP Act, Governance approval gates risk management (Master Agent) engine SEBI) Fraud & Risk Customer Ops Collectio
Slide 32: Where this takes us: What are we solving for
Where this takes us: What are we solving for ❑ Best-in-class customer experience ▪ Consumer tech rivalling top fintechs — AU 0101 and beyond ▪ Employee apps built for digital native workforce. ❑ Business Growth ▪ Tech-led distribution and cross-sell accelerating revenue growth ❑ Build Operational Ef
Slide 33: Where this takes us
Where this takes us VISION Transform AU Bank into India's most technologically advanced bank, delivering superior customer experience, operational excellence and sustainable growth. 10M+ >80% 50%+ 30% 50+ >99.9% AI-led Digital customers Digital STP AI-handled calls Productivity gain AI use cases Upt
Slide 34: For Investor queries contact
For Investor queries contact (details in QR Code): Mr. Prince Tiwari Email: investorrelations@aubank.in
AU Small Finance Bank — CIO Roundtable hosted by ICICI Securities 2026 on 6ix