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

23%

rong finish to the year Deposits Gross loan portfolio Operating efficiency ❑ Deposits grew at 23% YoY (10% QoQ) to ~₹1.52 lac cr vs ~13% estimated growth in private banking sector CASA ratio at 28%

10%

sh to the year Deposits Gross loan portfolio Operating efficiency ❑ Deposits grew at 23% YoY (10% QoQ) to ~₹1.52 lac cr vs ~13% estimated growth in private banking sector CASA ratio at 28%, with st

₹1.52

r Deposits Gross loan portfolio Operating efficiency ❑ Deposits grew at 23% YoY (10% QoQ) to ~₹1.52 lac cr vs ~13% estimated growth in private banking sector CASA ratio at 28%, with stable deposits (C

13%

s loan portfolio Operating efficiency ❑ Deposits grew at 23% YoY (10% QoQ) to ~₹1.52 lac cr vs ~13% estimated growth in private banking sector CASA ratio at 28%, with stable deposits (CASA + Retail T

28%

23% YoY (10% QoQ) to ~₹1.52 lac cr vs ~13% estimated growth in private banking sector CASA ratio at 28%, with stable deposits (CASA + Retail TD + Non callable Bulk TD) forming 79% of total deposits CoF d

79%

ng sector CASA ratio at 28%, with stable deposits (CASA + Retail TD + Non callable Bulk TD) forming 79% of total deposits CoF declined further by 12bps QoQ to 6.49% in Q4’FY26; FY26 CoF at 6.75%, a YoY d

12bps

its (CASA + Retail TD + Non callable Bulk TD) forming 79% of total deposits CoF declined further by 12bps QoQ to 6.49% in Q4’FY26; FY26 CoF at 6.75%, a YoY decline of 32 bps ▪ ▪ ❑ Loans grew by 21% YoY (

6.49%

etail TD + Non callable Bulk TD) forming 79% of total deposits CoF declined further by 12bps QoQ to 6.49% in Q4’FY26; FY26 CoF at 6.75%, a YoY decline of 32 bps ▪ ▪ ❑ Loans grew by 21% YoY (8% QoQ) to ₹1

6.75%

D) forming 79% of total deposits CoF declined further by 12bps QoQ to 6.49% in Q4’FY26; FY26 CoF at 6.75%, a YoY decline of 32 bps ▪ ▪ ❑ Loans grew by 21% YoY (8% QoQ) to ₹1.40 lac cr vs ~13% estimated g

32 bps

deposits CoF declined further by 12bps QoQ to 6.49% in Q4’FY26; FY26 CoF at 6.75%, a YoY decline of 32 bps ▪ ▪ ❑ Loans grew by 21% YoY (8% QoQ) to ₹1.40 lac cr vs ~13% estimated growth in private banking

21%

by 12bps QoQ to 6.49% in Q4’FY26; FY26 CoF at 6.75%, a YoY decline of 32 bps ▪ ▪ ❑ Loans grew by 21% YoY (8% QoQ) to ₹1.40 lac cr vs ~13% estimated growth in private banking sector Secured businesses

“Total Assets) #Write off during the quarter Figures in ₹ cr Q4’FY26 Q4’FY25 Q3’FY26 FY26 FY25 235 76 52 (3) 21 (113) 269 644 60 26 (4) - (91) 635 321 70 32 (3) - (90) 331 0.15% 0.43% 0.19% 259 388 352 1,559 1,778 268 104 (13) 21 (325) 1,615 0.96% 1,479 154 72 (20) 17 (209) 1,793 1.30% 1,057 ❑ Credit cost on average total assets stands at 0.96% for FY26 vs.”

Components of segment-wise products

1

Components of segment-wise products

❑ Retail Secured Assets: Wheels, Mortgages & Gold Loans ❑ Commercial banking: Business banking (includes Agri banking), EEFI, REG and renewable energy ❑ Inclusive banking: MFI, FPO financing and SMF ❑ Digital unsecured loans: credit card and personal loans ❑ Others includes ODFD, inter-bank term lending, TREDS & SME etc; SME is a run-down book ❑ Gross Loan Portfolio includes assigned loan book (off book) of ₹4,286 cr in Q4’FY26 (vs ₹6,926 cr in Q4’FY25 and ₹4,689 cr in Q3’FY26), mostly from Wheels and MSME 1. GA means Gross Advances; GNPA is reported on Gross Advances 21 Profit & Loss statement (All figures in ₹ cr) FY26 FY25 YoY Q4'FY26 Q4'FY25 YoY Q3'FY26 QoQ Income Interest Earned Interest Expended Net Interest Income Other Income Net Total Income Expenses Employee Cost Other Operating Expenses Operating Expenses PPoP Provisions Profit Before Tax Tax expenses 18,636 9,524 9,113 2,978 12,091 3,828 3,154 6,982 5,109 1,615 3,494 838 PAT before exceptional Items 2,656 Exceptional items