Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Motilal Oswal Annual Global Investor Conference 2020
20 slides from Au Small Finance Bank's conference presentation, Aug 28, 2020
Slide 1: Regulation 30 disclosure cover letter to stock exchanges
Ref. No.: AUSFB/SEC/2020-21/184 Date: 27th August 2020 National Stock Exchange of India Limited, BSE Limited, Exchange Plaza, Bandra Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra (East), Mumbai 400051, Dalal Street, Mumbai 400001, Maharashtra. Maharashtra. Symbol: AUBANK Scrip Code: 540611 Dear S
Slide 2: Gearing up for the next leap!
Gearing up for the next leap! Retail Focused | Technology Led | Customer Centric | Well Capitalized | Fast Learning
Slide 3: Built, Pause/Reset/Rebuild, Journey Continues
For the past 25 years as an Started in April 2020. Post the pandemic ends institution and 3 years as a Maybe for the next 12-18 bank till March 2020 months Pause/Reset/ Journey Built Continues Rebuild ……
Slide 4: What we have built…
What we have built… A resilient & robust foundation ……
Slide 5: A strong foundation
A strong foundation • Fundamental Principles • Detailing & execution oriented, pricing the risk, robust asset quality and focused to win the customers’ trust • Simplifying banking by challenging the status quo • Led by AU Dharma • Focus on building the Character of the Bank समझदार� ईमानदार� िज़म्मेदा
Slide 6: Our Business Model is - Inclusive Banking
Our Business Model is - Inclusive Banking 85% 60% 30% Financial Granular Reaching Inclusion loans every remote of our loans to is in our of loans sanctioned of our branches corner priority sector in rural areas 8/26/2020 <25 lakh 5
Slide 7: Purposeful journey as SFB
Purposeful journey as SFB Tangibles of last 3 years 30,036 INR Cr 59% 14.5% 1.7% 10,734 (CAGR from (Avg. of (Avg. of Mar17 - Jun20) FY18-20) FY18-20) 31-Mar-17 30-Jun-20 AUM Growth Balance Sheet Return on Return on 12 states 37% CAGR Growth Avg. Equity Avg. Assets and 2 UTs INR Cr 26,734 19,302 1.7%
Slide 8: April 2020: Pause/reset/rebuild phase begins
April 2020 Pause/reset/rebuild phase begins
Slide 9: Disruption due to the pandemic
Disruption due to the pandemic Challenges faced • Lack of Visibility • Business continuity • Subdued consumption • Moratorium • Record low consumer confidence index • Limitations due to lockdown • No asset growth
Slide 10: Our response to the pandemic
Our response to the pandemic Measures taken • Being an essential services provider, played the role of a credible banker • Technology driven operations • Provided moratorium and emergency credit lines • Increased impetus on building deposit franchise • Acquired & serviced customers online • Upskille
Slide 11: Continuing the journey..
Continuing the journey.. A new world awaits
Slide 12: Silver Linings
Silver Linings • Energy to live life is evident. • High Customer Connect. • Collection Efficiency trends improving. • Pandemic effect on Asset Quality will remain rangebound. Built adequate provisions till now. • Restructuring norms issued by RBI. • Excess liquidity enabling low cost of funds. • Red
Slide 13: Opportunities in Bharat
Opportunities in Bharat Mapping some of the opportunities in terms of footprint, Deposit & Lending space India AU Bank* Opportunities Districts 718 243 Deposits (INR) 138 Trn 0.26 Trn New Vehicle (FY20) 4 Mn 0.29 Mn Used Vehicle (FY19) 4 Mn 0.25 Mn Two-Wheeler 17.4 Mn 0.01 Mn No. of MSMEs 63.3 Mn 0.
Slide 14: Our learnings & strategy in journey of building trust
Our learnings & strategy in journey of building trust Madness to Method Borrower to Customer KYC to UYC Quantity to Quality Unified Market to Core and Urban Markets 26 branches have >5% market-share; 4 branches above 10% market-share in core markets, Furthermore, 28% of our branches in Urban markets
Slide 15: Digital and Payments strategy
Digital and Payments strategy Right combination of 4Ds- Data, Digital and Distribution will allow us to deliver Delight to our ‘Customers” Payments Ecosystem (Live with UPI, Bharat BillPay (BBPS) and QR payments, Contactless premier best-in- class debit card launched, Credit Card to be launched soon
Slide 16: Capitalization – Future ready
Capitalization – Future ready • Have sufficient room to raise Tier II 22.0% 21.7%* Capital • Can monetize equity stake in Aavas 4,377 4,588 Financiers Mar-20 Jun-20 • Can raise capital at appropriate Net Worth (INR Cr) CRAR time * Excludes profit of Q1FY21
Slide 17: Journey of forever continues…
Journey of forever continues…
Slide 18: Thanks
Thanks The Government of India RBI Depositors/Customers Employees/Partners Shareholders All of you
Slide 19: चलो आगे बढ़ें!
चलो आगे बढ़� !
Slide 20: 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
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