Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Motilal Oswal 21st Annual Global Investor Conference (MAGIC) 2025
22 slides from Au Small Finance Bank's conference presentation, Sep 1, 2025
Slide 1: Exchange filing cover letter: Investor Presentation
Ref. No.: AUSFB/SEC/2025-26/199 Date: September 01, 2025 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: Big Opportunity, Bigger Responsibility
Big Opportunity, Bigger Responsibility MAGIC Conference 1st September, 2025
Slide 3: *Basis in-principle approval received as per RBI notification dated Aug 7, 2025.
*Basis in-principle approval received as per RBI notification dated Aug 7, 2025.
Slide 4: We have built ourselves in the last 30 Years
We have built ourselves in the last 30 Years “India at 2025: ₹eforms to ₹eimagination” • AU has been built in the first quarter of this century • We have gone through the grind, shown resilience, adapted to the changes while thinking big, challenging the status quo and making ourselves relevant BANK
Slide 5: From humble beginnings to universal license…
From humble beginnings to universal license… 2015-2025 3. Buildup and Consolidation • SFB Banking license in 2015; Listed on stock exchanges in 2017 AU’s journey is proof that big dreams backed • Launched AU0101 App and Video-banking on a tech-driven approach by robust execution lead to big outcomes
Slide 6: … backed by strong execution
… backed by strong execution FY18 Jun’25 Growth Customer Base 7.5 lacs 115.8 Lacs 15x Employees 11,151 53,235 4.8x Touchpoints 474 2,505 5.3x Deposits ₹7,923 Cr ₹1,27,696 Cr 16.1x Gross Loan Portfolio ₹16,256 Cr ₹1,17,624 Cr 7.2x Total Assets ₹18,833 Cr ₹1,60,813 Cr 8.5x Shareholders Fund ₹2,281 Cr
Slide 7: All the building blocks in place to build a formidable banking franchise
All the building blocks in place to build a formidable banking franchise 1 Platform The Power of Universal platform – big privilege and tremendous opportunity 2 Growth India will continue to be one of the fastest growing economies in the World Opportunity 3 Solid We have laid a strong foundation Fou
Slide 8: 1. Universal bank conversion – key benefits
1. Universal bank conversion – key benefits First “in-principle” Universal Banking license since 2014 • No additional Opex to be incurred on Tech/People/Compliance • No conditions attached other than transfer of Promoter shares to an NOFHC (18 months time-period provided) Enhanced Brand & level play
Slide 9: Future growth enablers
Future growth enablers India opportunity Opportunity for AU ~10% ~$30 Tn Our market share is low and expanding - AU’s market share will grow from just 0.5%/0.6% Projected GDP by 2047 currently Nominal GDP growth rate in next 5 years (IMF) - Benefits from growing India GDP @ 10% nominally - Expansion
Slide 10: 3. Foundation: Strong foundation has been laid
3. Foundation : Strong foundation has been laid 3.1 Diversified Product Suite 3.2 Pan-India Distribution Franchise Foundational pillars 3.3 Stable, Scalable IT & Robust Security 3.4 Strong Team and HR Practices 3.5 Intangibles / X-factor
Slide 11: 3.1 Foundation: Complete suite of products and digital channels
3.1 Foundation : Complete suite of products and digital channels Deposits 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
Slide 12: 3.2 Foundation: Pan-India geographic presence
3.2 Foundation : Pan-India geographic presence 03 57 16 21 States 10 States with more than 02 and 4 UTs 100 touchpoints 03 42 58 101 2,505 615 1,100 v 790 Touchpoints Branches Asset Centres BO + BC + Unbanked 480 02 181 Region Touchpoints 274 South 724 239 38 473 16 Districts North 659 207 20 West 4
Slide 13: 3.3 Foundation: Stable & scalable tech platform
3.3 Foundation : Stable & scalable tech platform AVAILABILITY SECURITY CUSTOMER OBSESSED Bank should be available 24/7 Should be completely secure & Compliant Convenient, Simple and feature rich • Uptime of ~ 99.9% in FY25 across all • Deployed best in class security systems to • AU 0101 and AU 0101
Slide 14: 3.4 Foundation: Strong and stable team
3.4 Foundation : Strong and stable team Senior team is stable and vintaged • Good mix of entrepreneurial and professional talent • Senior team that led execution in last 10-15 years remains in place and is highly motivated to lead the universal banking journey • Average vintage of SMP is ~10 yrs and
Slide 15: 3.5 Foundation: Intangibles/X-factor
3.5 Foundation : Intangibles/X-factor Entrepreneurial culture / Challenging status quo Bold vision / Thinking big – Building a Forever Bank Long term focus - not playing for galleries Self belief / ‘Yes’ we can – we are custodian of trust Champion team vs team of champions Get things done against al
Slide 16: 4. Execution: Sensible and profitable growth with robust asset quality
4. Execution : Sensible and profitable growth with robust asset quality Deposit & Loan growth (₹ ’000 Cr) Asset quality profile 124 87 4.3% Deposit CAGR 48% 69 53 36 116 19 26 2.0% 2.0% 2.3% 8 1.7% 2.0% 1.7% 1.7% 82 64 2.2% 48 1.3% 1.3% 31 38 Loan CAGR 33% 0.8% 0.5% 0.5% 0.7% 25 0.4% 16 FY18 FY19 FY
Slide 17: 5. Governance: compliance driven by our value system
5. Governance : compliance driven by our value system Integrity and focus on quality governance is a way of life Board is independent and diversified • Bank is a public good; conducted ourselves with utmost • 9 of 12 directors are non-executive and independent integrity directors • Compliance in bot
Slide 18: Key challenges / monitorable
Key challenges / monitorable Our growth is tied to the whole country Geopolitical situation and emanating risks Scale Management Ever-evolving Compliances Digital and cyber security risk Comparison and competition with well-settled large banks 17
Slide 19: To summarise…
To summarise… We have re-imagined ourselves every ~5 years Financier, Channel partner, NBFC, HFC, SFB and upcoming Universal banking Universal platform is a tremendous opportunity Level playing field, greater acceptability, more segments, channels etc. India will continue to grow Our asset market sh
Slide 20: AU Bank - The Gold within
AU Bank - The Gold within Inspired by the timeless Journey of Gold (Au). Embodied by AU Bank. Stage of Gold (Au) What It Represents AU Bank Parallel Gold lies deep underground, full of promise AU began in 1996 in the heartland -quiet yet 1. Hidden Potential but unseen grounded in purpose Mining is l
Slide 21: Mumbai
“क्या कहता है पर िं दा खोल दो मे े पिंख को क्युकी अभी तो मैंने ध ती नापी है … आसमािं अभी बाकक है ।" Next Innings is being started from Mumbai
Slide 22: Thank you!
Our heartfelt gratitude to the Government of India and the RBI for their unwavering guidance throughout our 30-year journey. We are truly grateful to our customers and partners for their continued support in achieving this milestone moment. I request for your support to build AU as a national asset
AU Small Finance Bank — Motilal Oswal 21st Annual Global Investor Conference (MAGIC) 2025 on 6ix