Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Q1 FY27 Earnings Presentation
47 slides from Au Small Finance Bank's earnings presentation, Jul 25, 2026
Slide 1: Q1’FY27 Earnings presentation
Q1’FY27 Earnings presentation 25th July 2026 Sustainable Business Model | Retail Focused | Tech-Led | Customer Centric | Well-Governed
Slide 2: 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 3: Agenda
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 3
Slide 4: Key Updates
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 4
Slide 5: Q1’FY27 – Strong performance in a seasonally soft quarter
Q1’FY27 – Strong performance in a seasonally soft quarter ❑ Deposits grew 24% YoY (3% QoQ) to ~₹1.58 lac cr vs. ~14% estimated growth in private sector banks Deposits ▪ CASA deposits grew 22% YoY and 5% QoQ, CASA ratio grew sequentially to 29% ▪ Cost of Funds (CoF) declined by 60bps YoY and 1 bps Qo
Slide 6: Q1’FY27 – Other highlights
Q1’FY27 – Other highlights ❑ Tech strategy organized under Run, Build and Transform with dedicated teams and leadership ❑ Agentic AI platform update ▪ Gold loan origination journey built on proprietary bank-native AI-platform saw successful rollout in a limited use environment during Q1; mobile-nati
Slide 7: Performance summary (1/3)
Performance summary (1/3) Deposit and Liquidity at 30th Jun, 2026 Deposits & Cost of Funds ₹1,57,727 cr Total deposits ❑ Liability franchise organized into four verticals - Branch Banking, Commercial banking & Wholesale 24% deposits, Government Banking & Inter-bank, and Financial Institutions group
Slide 8: Performance summary (2/3)
Performance summary (2/3) Advances and asset quality at 30th Jun, 2026 Gross loan ₹1,44,250 cr Loan Portfolio portfolio 23% ❑ Gross loan portfolio registered a growth of 23% YoY and 3% QoQ ▪ Secured businesses (Retail + Commercial) delivered 25% YoY and 4% QoQ growth, led by Wheels, Gold Gross advan
Slide 9: Performance summary (3/3)
Performance summary (3/3) Financial performance – Q1’FY27 Net interest ₹2,695 cr Earnings income 32% ❑ NII grew 32% YoY supported by strong loan growth and expansion in margins by 47 bps YoY Core Other ₹680 cr ▪ NIM moderated by 7 bps QoQ on reversal of certain Q4 one-offs - day count benefit and lo
Slide 10: Financial Highlights
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 10
Slide 11: Profit & Loss statement
Profit & Loss statement (All Figures in ₹ Crore) Q1'FY27 Q1'FY26 YoY Q4'FY26 QoQ FY26 Income Interest Earned 5,303 4,378 21% 5,019 6% 18,636 Interest Expended 2,607 2,334 12% 2,437 7% 9,524 Net Interest Income 2,695 2,045 32% 2,582 4% 9,113 Other Income 689 811 -15% 731 -6% 2,978 Net Total Income 3,
Slide 12: Other Income
Other Income (All Figures in ₹ Crore) Q1'FY27 Q1'FY26 YoY Q4'FY26 QoQ FY26 Loan Assets Processing & Other Fees 344 262 31% 375 -8% 1,299 General Banking, Cross Sell & Deposits related fees 186 157 19% 242 -23% 871 Credit Card 99 57 74% 85 16% 263 Transaction Banking & Forex Income 48 33 46% 44 8% 14
Slide 13: Key ratios
Key ratios Particulars Q1'FY27 Q1'FY26 Q4'FY26 FY26 NIM 5.9% 5.4% 6.0% 5.7% Margins Gross advance yield 13.7% 14.1% 13.8% 13.9% Cost of funds 6.48% 7.08% 6.49% 6.75% Cost-to-assets ratios (excl. CGFMU) 4.0% 3.9% 4.2% 4.1% Cost efficiency Cost to Income ratio (excl. CGFMU) 56.6% 53.7% 58.6% 57.4% CD
Slide 14: Balance sheet
Balance sheet (All Figures in ₹ Crore) 30th Jun'26 30th Jun'25 YoY 31st Mar'26 QoQ Liabilities Shareholders Fund 20,885 17,800 17% 19,974 5% Deposits 1,57,727 1,27,696 24% 1,52,661 3% Borrowings 13,419 10,649 26% 13,872 -3% Other Liabilities and Provisions 5,093 4,668 9% 5,291 -4% Total Liabilities
Slide 15: RoA Tree
RoA Tree RoA Tree % Q1'FY27 Q1'FY26 Q4'FY26 FY26 Net Interest Income 5.6% 5.2% 5.6% 5.4% Other Income 1.4% 2.1% 1.6% 1.8% Net Total Income 7.1% 7.3% 7.2% 7.2% Cost to Assets 4.1% 3.9% 4.3% 4.2% PPoP 3.0% 3.3% 2.9% 3.0% Credit Cost 0.8% 1.4% 0.6% 1.0% PBT 2.2% 2.0% 2.4% 2.1% Tax 0.6% 0.5% 0.5% 0.5% P
Slide 16: Asset quality - NPA movement
Asset quality - NPA movement Figures in ₹ cr NPA movement Q1’FY27 Q1’FY26 Q4’FY26 Opening GNPA 2,756 2,477 2,881 Additions during the period* 798 1,027 659 Less: Recoveries & Write Offs during the period 605 753 784 Closing GNPA 2,948 2,751 2,756 NPA summary Q1’FY27 Q1’FY26 Q4’FY26 Gross NPA 2,948 2
Slide 17: Overview of total provisions
Overview of total provisions Figures in ₹ cr Jun’26 Mar’26 Particulars Loan Loan Provisions Coverage Provisions Coverage Amount Amount GNPA 2,948 1,848 63% 2,756 1,725 63% Covid related restructuring (Standard) 217 36 17% 231 38 16% Contingency provisions 37 38 Floating provisions 41 41 Stressed and
Slide 18: AI & Tech Update
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 18
Slide 19: Tech strategy: Aligning technology investment to business impact
Tech strategy: Aligning technology investment to business impact Our technology strategy positions the Bank for sustainable, technology-led growth by balancing resilience, cost discipline, digital scale, and long-term transformation through data, analytics, and AI 1. Run the Bank: Protect the core a
Slide 20: Build: Digital evolution and automation
Build: Digital evolution and automation ❑ A modern, cloud-native, API-driven architecture supports real-time processing, scalability and faster execution Digital — AU 0101 now processes more than 90% of the Bank’s total transactions and service requests Platform ❑ Extended digital platforms to deale
Slide 21: Transform strategy: Advancing an AI-native technology stack
Transform strategy: Advancing an AI-native technology stack We continue strengthening the Bank’s native AI architecture so AI scales safely, economically and sustainably. Our edge isn’t the number of AI agents we deploy — it’s the strength, flexibility and control of the architecture underneath them
Slide 22: Transform: Agentic AI in action across the Bank (1/2)
Transform: Agentic AI in action across the Bank (1/2) Customer onboarding Retail Assets: ❑ Scaling our agentic AI-led gold loan origination platform across branches and launching a mobile-native journey — validating AU’s AI-first lending strategy ▪ Extending the same platform to mortgages, bringing
Slide 23: Transform: Agentic AI in action across the Bank (2/2)
Transform: Agentic AI in action across the Bank (2/2) Customer Service ❑ Deployed an enterprise-scale voice-AI platform across 11 languages, backed by AI-powered sentiment analytics and agent-augmentation tools ❑ Scaling AI-led engagement - roughly 1 million outbound calls processed in four months,
Slide 24: Transform: Data platform and engineering, built for scale
Transform: Data platform and engineering, built for scale ❑ Built an enterprise data lake consolidating internal and external sources — incl. credit bureau and consent-based data-sharing frameworks — to power real-time dashboards and apps such as Customer 360 and operational Data monitoring Engineer
Slide 25: Transform: Data science and analytics
Transform: Data science and analytics ❑ Strengthened underwriting analytics for unsecured loans with underwriting scorecards covering 100% of new and existing customers, drawing on credit bureau data, consent-based data-sharing insights, transaction data and banking behavior Analytics for ❑ Propensi
Slide 26: Business Update
1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 26
Slide 27: Geographic distribution of deposits & advances
Geographic distribution of deposits & advances All figures are as on Deposits Gross Loan Portfolio (GLP) 30th Jun’26 2% 1% 1% Maharashtra 3% 3% Rajasthan 2% 4% 2% 2% Rajasthan Maharashtra 1% 3% Delhi 4% Madhya Pradesh Gujarat 3% Gujarat 23% 25% Haryana 4% 4% Delhi Punjab Haryana Uttar Pradesh 5% 0.6
Slide 28: Pan-India geographic presence
Pan-India geographic presence 21 States and 4 UTs 2,920 Touchpoints 521 Districts 514 Urban Branches 778 ATMs 07 10 States with more 16 AU Asset + Unbanked 66 than 100 touchpoints MFI Center 04 2,920 05 Touchpoints 723 1,269 928 48 Branches Asset Centres BO + BC + Unbanked 73 157 Net 130 touchpoints
Slide 29: Deposit book snapshot
Deposit book snapshot (₹ in ‘000 Crore) Deposit mix Daily average CASA balance CASA ratio & Stable deposit* ratio Total deposits 127.7 132.5 138.4 152.7 157.7 (₹ in ‘000 Crore) 6.1 6.4 79% 79% 80% 79% 5.8 79% 5.2 5.3 103.2 106.0 33.2 34.8 85.2 88.2 92.7 28.5 30.9 31.0 29% 29% 29% 29% 28% 30.9 31.4 3
Slide 30: Asset book snapshot
Asset book snapshot ₹ in cr Q1'FY27 Q1'FY26 Q4’FY26 YoY QoQ Segments GA Yield Gross GA Yield Gross GA Yield Gross Growth GLP GLP Growth GLP (%) NPA (%) (%) NPA (%) (%) NPA (%) Retail Secured Assets 96,485 14.2% 2.4% 78,739 14.4% 2.7% 22.5% 92,742 14.2% 2.4% 4.0% Commercial Banking 32,789 10.3% 0.9%
Slide 31: Breakdown of customer assets – additional disclosure
Breakdown of customer assets – additional disclosure (All figures in ₹ cr) 30th Jun'26 30th Jun'25 YoY 31st Mar'26 QoQ Consumer Assets 65,974 57,850 14% 63,958 3% - Mortgages1 Retail 43,318 38,654 12% 42,438 2% - Auto (Cars, 2W) Retail 19,511 16,145 21% 18,571 5% - Credit Cards Retail 2,248 2,327 -3
Slide 32: 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 33: 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 34: 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 35: 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 36: 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 37: 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 38: External ratings
External ratings Credit Ratings ESG Ratings 16.6 (Low Risk) Fixed Deposits AA+/Stable CRISIL (CSA) 47 Long Term/ CRISIL/ CARE/ ICRA subordinated Debt/ AA/Stable Ratings Included in Tier II Bonds FTSE4Good Emerging Indices Short Term A1+ CRISIL/ CARE/ 73 India Ratings (Strong) 80.4 (Low ESG Risk) 38
Slide 39: Sustainability Initiatives
Sustainability Initiatives 39
Slide 40: Financial & Digital Inclusion
Financial & Digital Inclusion Access Highlights Financial Products ` 22,900+ Products (Active) Count Financial Literacy Camps (as on 30 June 2026) ` Organized at rural branches BSBD Accounts 5.7 lac+ ~33% Touchpoints in Unbanked Rural Centres MUDRA Loans^ 25.7 lac+ 958 touchpoints PM Jeevan Jyoti Bi
Slide 41: 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 Ex-Deputy Governor of RBI Senior Partner - KKC & Associates LLP Served on B
Slide 42: CSR Initiatives (1/2)
CSR Initiatives (1/2) AU Ignite: AI training for future skill trainees AU Udyogini: Mother's Day celebrated with AU Udyoginis AU Udyogini: As on date, total 5,995 women are nurtured and 3,926+ AU Ignite: Till Q1’FY27, 36,000+ youth got trained in 10 centers across 6 empowered under Individual Women
Slide 43: CSR Initiatives (2/2)
CSR Initiatives (2/2) AU Bano Champion: 1st residential Summer Camp for athletes AU Kartavya: Students studying at AU Study Centre Bano Champion: Active at 75+ locations across Rajasthan, 6,000 AU Kartavya: Till Q1’FY27, 1,521 health checkup camps, 360+ Jal kids & youths regularly trained across 7 s
Slide 44: Shareholding pattern
Shareholding pattern KMP, Director & their relatives (Excluding Independent Director) 0.05% Others Individuals 1.8% Domestic 6.3% 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 45: Awards and recognition
Awards and recognition “Recognised for its strong “Best Small Finance Bank contribution and performance `“Top 10 – India’s Best Companies to Work” Award' (SFB category)” under the APY initiative” Great Place to Work, 2026 At Atal Pension Yojana (APY) At Financial Express India's Best Annual Felicita
Slide 46: For further information about the bank - Scan to Download
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 46
Slide 47: For Investor queries contact
For Investor queries contact (details in QR Code): Mr. Prince Tiwari Email: investorrelations@aubank.in
AU Small Finance Bank — Q1 FY27 Earnings Presentation on 6ix