AU Small Finance Bank Limited

rs,

400051, Maharashtra. NSE Symbol: AUBANK Dear Sir/Madam, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400001, Maharashtra. Scrip Code: 540611, 958400, 974093, 974094 & 974095

9.9%

00 shares held in Fincare SFB ▪ Post transaction, existing shareholders of Fincare SFB shall hold ~9.9% in AU SFB ❑ Transaction completion is subject to: ▪ Shareholders approval (for both Fincare SFB

₹ 700

val (for both Fincare SFB and AU SFB) ▪ Regulatory approvals by RBI and CCI ▪ Capital infusion of ₹ 700 Cr by promoters of Fincare SFB ❑ All Fincare SFB customers to have seamless integration into the AU

93.6%

e suite of deposit & asset products Highlights of Fincare SFB (Sep’23) ❑ ~54 Lacs customers with ~93.6% of Microfinance loans located in rural areas ❑ Total Deposits of ₹ 9,453 Cr of which 79% are retai

₹ 9,453

❑ ~54 Lacs customers with ~93.6% of Microfinance loans located in rural areas ❑ Total Deposits of ₹ 9,453 Cr of which 79% are retail ❑ Gross Advances of ₹ 10,541 Cr consisting of Microfinance (54%), Micro

79%

s with ~93.6% of Microfinance loans located in rural areas ❑ Total Deposits of ₹ 9,453 Cr of which 79% are retail ❑ Gross Advances of ₹ 10,541 Cr consisting of Microfinance (54%), Micro Business Loans

₹ 10,541

located in rural areas ❑ Total Deposits of ₹ 9,453 Cr of which 79% are retail ❑ Gross Advances of ₹ 10,541 Cr consisting of Microfinance (54%), Micro Business Loans (MBL) (19%), Affordable Housing Loans (14%

54%

of ₹ 9,453 Cr of which 79% are retail ❑ Gross Advances of ₹ 10,541 Cr consisting of Microfinance (54%), Micro Business Loans (MBL) (19%), Affordable Housing Loans (14%) and Gold Loans (10%) ❑ Networ

19%

tail ❑ Gross Advances of ₹ 10,541 Cr consisting of Microfinance (54%), Micro Business Loans (MBL) (19%), Affordable Housing Loans (14%) and Gold Loans (10%) ❑ Network of 1,292 banking outlets across

14%

41 Cr consisting of Microfinance (54%), Micro Business Loans (MBL) (19%), Affordable Housing Loans (14%) and Gold Loans (10%) ❑ Network of 1,292 banking outlets across 23 states & union territories, w

10%

rofinance (54%), Micro Business Loans (MBL) (19%), Affordable Housing Loans (14%) and Gold Loans (10%) ❑ Network of 1,292 banking outlets across 23 states & union territories, with strong presence in

₹ 1.1

e: ▪ 2,334 Touchpoints, ~ 98 Lacs Customers, ~ 43,000 Employees ▪ Combined Balance Sheet size of ₹ 1.1 Lacs Cr+ as on Sep 2023 on proforma basis ❑ Transaction is accretive on all key financial metrics o