AU Small Finance Bank Limited

rs,

i 400051, Maharashtra. NSE Symbol: AUBANK Dear Sir/Madam, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400001, Maharashtra. Scrip Code: 540611, 974093, 974094, 974095, 974914, 97

20%

n ▪ Gold Loan: Low base, opportunity to scale multifold ▪ Mortgages: High competition but targeting 20% growth via geographic expansion ▪ ▪ Commercial Banking: strong understanding of MSME, NBFC, real e

21%

er holding to be routed via NOFHC structure (18 months time-period provided) ❑ Deposit growth at ~21% YoY (and 3.8% QoQ) to ₹1.33 Lacs Cr vs Banking sector deposit growth of ~9.5% ▪ ▪ CASA ratio stab

3.8%

be routed via NOFHC structure (18 months time-period provided) ❑ Deposit growth at ~21% YoY (and 3.8% QoQ) to ₹1.33 Lacs Cr vs Banking sector deposit growth of ~9.5% ▪ ▪ CASA ratio stable at 29.4% S

₹1.33

a NOFHC structure (18 months time-period provided) ❑ Deposit growth at ~21% YoY (and 3.8% QoQ) to ₹1.33 Lacs Cr vs Banking sector deposit growth of ~9.5% ▪ ▪ CASA ratio stable at 29.4% Sharp decline of

9.5%

❑ Deposit growth at ~21% YoY (and 3.8% QoQ) to ₹1.33 Lacs Cr vs Banking sector deposit growth of ~9.5% ▪ ▪ CASA ratio stable at 29.4% Sharp decline of 25bps in Cost of funds to 6.83% in Q2 from 7.08%

29.4%

and 3.8% QoQ) to ₹1.33 Lacs Cr vs Banking sector deposit growth of ~9.5% ▪ ▪ CASA ratio stable at 29.4% Sharp decline of 25bps in Cost of funds to 6.83% in Q2 from 7.08% in Q1 ❑ Loan growth (excl. unse

25bps

acs Cr vs Banking sector deposit growth of ~9.5% ▪ ▪ CASA ratio stable at 29.4% Sharp decline of 25bps in Cost of funds to 6.83% in Q2 from 7.08% in Q1 ❑ Loan growth (excl. unsecured) at 22% YoY (and 5

6.83%

eposit growth of ~9.5% ▪ ▪ CASA ratio stable at 29.4% Sharp decline of 25bps in Cost of funds to 6.83% in Q2 from 7.08% in Q1 ❑ Loan growth (excl. unsecured) at 22% YoY (and 5% QoQ) ▪ Unsecured busine

7.08%

~9.5% ▪ ▪ CASA ratio stable at 29.4% Sharp decline of 25bps in Cost of funds to 6.83% in Q2 from 7.08% in Q1 ❑ Loan growth (excl. unsecured) at 22% YoY (and 5% QoQ) ▪ Unsecured businesses saw de-growt

22%

cline of 25bps in Cost of funds to 6.83% in Q2 from 7.08% in Q1 ❑ Loan growth (excl. unsecured) at 22% YoY (and 5% QoQ) ▪ Unsecured businesses saw de-growth of 23% YoY and now form only ~8% of overall

5%

s in Cost of funds to 6.83% in Q2 from 7.08% in Q1 ❑ Loan growth (excl. unsecured) at 22% YoY (and 5% QoQ) ▪ Unsecured businesses saw de-growth of 23% YoY and now form only ~8% of overall loans ▪ Tot