AUBANK

Ref. No.: AUSFB/SEC/2026-27/154 Date: July 25, 2026 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 Code: 540611, 974093, 974094, 974095, 974914, 974963, 975017, 975038 & 976580 Dear Sir/Madam, Sub: Presentation to Investors on Unaudited Financial Results of AU Small Finance Bank Limited for the quarter ended on June 30, 2026 Ref: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our intimation for conference call vide letter dated July 14, 2026, we submit herewith Investors Presentation on Unaudited Financial Results of the Bank for the quarter ended on June 30, 2026. Investors Presentation may also be accessed on website of the Bank at following link: https://www.au.bank.in/investors/quarterly-reports. Further, audio recordings and transcript of Conference call shall also be made available at the above link within the prescribed timelines. This is for your information and records. Thanking You, Yours faithfully, For AU SMALL FINANCE BANK LIMITED Manmohan Parnami Company Secretary and Compliance Officer Membership No.: F9999 investorrelations@aubank.in Encl: As above investorrelations@aubank.in Q1’FY27 Earnings presentation 25th July 2026 Sustainable Business Model | Retail Focused | Tech-Led | Customer Centric | Well-Governed 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 Bank. No information contained herein has been independently verified by anyone else. 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Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law. Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to rounding off. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. 2 1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 3 1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 4 Q1’FY27 – Strong performance in a seasonally soft quarter ❑ Deposits grew 24% YoY (3% QoQ) to ~₹1.58 lac cr vs. ~14% estimated growth in private sector banks Deposits ▪ CASA deposits grew 22% YoY and 5% QoQ, CASA ratio grew sequentially to 29% ▪ Cost of Funds (CoF) declined by 60bps YoY and 1 bps QoQ to 6.48% ❑ Loans grew 23% YoY (3% QoQ) to ₹1.44 lac cr vs. ~17% estimated growth in private sector banks Gross loan ▪ Disbursement grew ~42% YoY partially benefiting from growing contribution from newer geographies portfolio ▪ Secured business (Retail + Commercial) grew 25% YoY and 4% QoQ; unsecured businesses grew 11% YoY and 5% QoQ Operating ❑ Cost-to-assets (ex CGFMU premium) at 4.0% compared to 3.9% in Q1’FY26 efficiency ▪ Reflects strong disbursement growth and ongoing investment in distribution, manpower, branding and tech ❑ Slippages declined 22% YoY to ₹798 cr; GNPA at 2.10%, NNPA at 0.76% Asset quality ▪ Credit cost, incl. CGFMU premium, improved to 0.8% (vs. 1.4% in Q1’FY26) led by recovery in unsecured; stable trends in secured ▪ Includes additional one-time provision of ₹ 23 cr from further strengthening of provisioning policy in selected products ❑ PAT grew by 37% YoY to ₹796 cr; annualized RoA/RoE at 1.7% and 15.6% ▪ NIM expanded by 47 bps YoY to 5.9% from 5.4% in Q1'FY26; On QoQ basis, NIM moderated by 7 bps on reversal of certain Profitability seasonal one-offs highlighted in Q4’FY26 & Capital ▪ Core PPoP (ex treasury gains) grew strongly at 41% YoY led by 32% NII growth and 33% growth in core other income ▪ Tier I capital ratio at 17.1% and total CRAR at 18.9% 5 Q1’FY27 – Other highlights ❑ Tech strategy organized under Run, Build and Transform with dedicated teams and leadership ❑ Agentic AI platform update ▪ Gold loan origination journey built on proprietary bank-native AI-platform saw successful rollout in a limited use environment during Q1; mobile-native journey is now developed and being rolled out across branches in pilot mode AI & Tech ▪ Building similar AI powered LOS journey for wheels, mortgages, commercial banking, credit cards and PL Update ❑ Unified Lead platform launched for AI-led lead aggregation, qualification, and distribution across internal and partner channels ▪ Onboarded 25,000+ users with 92% daily active usage ❑ New UPI interface with enhanced features live on AU 0101 ❑ Cross-border banking - Introduced zero forex margin with zero bank charges on retail remittances, enabling customers to transfer Product money to and from India at transparent exchange rates Initiatives ❑ Credit cards – Launched 4 new lifecycle-based credit cards, catering to various customer segments ❑ Recognised as “Top 10 – India’s Best Companies to Work” by Great Place to Work, 2026 Leadership & ❑ Board approved elevation of Mr. Yogesh Jain, COO, as Deputy CEO, to further strengthen the Bank’s leadership structure and HR management bandwidth ❑ Bank continued to strengthen the leadership bench with additional industry hires in risk and technology Distribution ❑ Bank added net 130 touchpoints QoQ including 16 new liability branches taking the total touchpoints to 2,920 6 Performance summary (1/3) Deposit and Liquidity at 30th Jun, 2026 Deposits & Cost of Funds ₹1,57,727 cr Total deposits ❑ Liability franchise organized into four verticals - Branch Banking, Commercial banking & Wholesale 24% deposits, Government Banking & Inter-bank, and Financial Institutions group (FIG) ❑ Focus on three core pillars - Granularity, Stability, and Cost of funds ₹8,498 cr CA Deposits 34% ▪ Granularity: ~60% of the deposits come from branch banking ▪ Stability: Stable deposits (CASA + Retail TD + Non-callable Bulk TD) form 79% of total deposits; Within ₹36,902 cr bulk deposits, focus remains on non-callable deposits SA Deposits 19% ▪ CoF: Declined by 1 bps QoQ to 6.48% from 6.49% in Q4’FY26 led by some residual repricing of retail deposits 6.48% Cost of Funds 60 bps CD ratio/Loan to Deposit ratio (LDR) ❑ CD ratio was 88% at Jun’26 compared to 86% at Jun’25 CD Ratio ex of ❑ After adjusting for loans against which refinance was availed from domestic Development Finance 80% refinance Institutions (DFIs), CD ratio stands at 80% (vs. 79% at Jun’25) Liquidity Coverage Ratio (LCR) LCR Ratio for 119% ❑ Average LCR for the quarter was 119%, same level as Q4’FY26 ❑ Bank carries additional liquidity equivalent to 10-15% of LCR in the form of high-quality, liquid, non- LCR investments Growth ratio computed on YoY basis, unless specified 7 Performance summary (2/3) Advances and asset quality at 30th Jun, 2026 Gross loan ₹1,44,250 cr Loan Portfolio portfolio 23% ❑ Gross loan portfolio registered a growth of 23% YoY and 3% QoQ ▪ Secured businesses (Retail + Commercial) delivered 25% YoY and 4% QoQ growth, led by Wheels, Gold Gross advances ₹1,40,461 cr loans, business banking and renewable energy (GA) 26% ▪ Unsecured businesses (MFI, Credit card, PL) grew 11% YoY and 5% QoQ 13.7% ▪ Commercial banking non-fund book is at ₹11,400+ cr GA Yield 37 bps ❑ Yield on gross advances declined by 6 bps QoQ to 13.7% ▪ ~68% of the book is fixed rate; additionally, ~4% book is on floating rates, most of which is currently in 2.10% fixed interest period Gross NPA 37 bps Asset quality and PCR 0.76% Net NPA ❑ Slippages decreased by 22% YoY to ₹ 798 cr (vs ₹ 1,027 cr in Q1’FY26) led by improvement in unsecured 12 bps book; secured asset slippages remained stable ❑ GNPA ratio at 2.10% and NNPA ratio at 0.76% vs. 2.47% and 0.88%, respectively as on Q1’FY26 Credit cost - avg. 0.8% total assets 59 bps ❑ Annualized credit cost (incl. CGFMU premium) at 0.8% compared to 1.4% a year ago ❑ PCR, ex of technical write-off, stood at ~64% (~71% after including contingency provisions and benefit Provisioning from portfolio secured under government guarantee schemes) 85% coverage (PCR) Growth ratio computed on YoY basis unless specified; PCR including technical write off 8 Performance summary (3/3) Financial performance – Q1’FY27 Earnings Net interest ₹2,695 cr income 32% ❑ NII grew 32% YoY supported by strong loan growth and expansion in margins by 47 bps YoY ▪ NIM moderated by 7 bps QoQ on reversal of certain Q4 one-offs - day count benefit and lower slippages in Q4 Core Other ₹680 cr income 33% ❑ Core other income up 33% YoY driven by higher business volumes and growth in credit card & transaction banking fee ▪ Total other income down 15% YoY due to higher treasury gains in Q1’FY26 due to RBI liquidity operations Operating ₹1,949 cr expenses 26% Operating expenses ₹796 cr ❑ Operating expenses increased 26% YoY, reflecting higher business volumes and investment in distribution, Net Profit 37% manpower, branding and tech ❑ Cost-to-asset (excl. CGFMU premium) was at 4.0% vs. 3.9% in Q1’FY26 and 4.1% in Q4’FY26 ₹279/ ₹10.6 BVPS / EPS ❑ Operating leverage continues to play out on underlying basis and expect cost-to-assets to improve on a full year basis 17%/36% 5.9% Profitability NIM 47 bps ❑ PPoP increased 9% YoY to ₹ 1,435 cr; Core PPoP (ex treasury gains) increased by 41% YoY to ₹1,426 cr 1.7% / 15.6% ❑ Provisions down 30% YoY to ₹ 371 cr led by normalisation in unsecured loans RoA / RoE 18 bps/ 230 bps ▪ Includes additional one-time provision of ₹ 23 cr from further strengthening of provisioning policy in selected products (MFI, PL/BL, EEFI and 2W) Tier-I / CRAR 17.1%/18.9% ❑ PAT up 37% YoY to ₹ 796 cr; annualised RoA at 1.7% and RoE at 15.6% Note: Growth ratio computed on YoY basis unless specified; NIM is calculated on daily avg. of interest earning assets including off book; for profitability ratios, average total asset is derived by taking average of monthly total assets 9 1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 10 Profit & Loss statement (All Figures in ₹ Crore) Q1'FY27 Q1'FY26 YoY Q4'FY26 QoQ FY26 Income Interest Earned 5,303 4,378 21% 5,019 6% 18,636 Interest Expended 2,607 2,334 12% 2,437 7% 9,524 Net Interest Income 2,695 2,045 32% 2,582 4% 9,113 Other Income 689 811 -15% 731 -6% 2,978 Net Total Income 3,385 2,855 19% 3,313 2% 12,091 Expenses Employee Cost 1,064 866 23% 1,045 2% 3,828 Other Operating Expenses 885 678 31% 917 -3% 3,154 Operating Expenses 1,949 1,543 26% 1,962 -1% 6,982 Core PPoP 1,426 1,012 41% 1,369 4% 4,720 PPoP 1,435 1,312 9% 1,352 6% 5,109 Provisions 371 533 -30% 269 38% 1,615 Profit Before Tax 1,064 779 37% 1,082 -2% 3,494 Tax expenses 268 198 35% 250 7% 838 Profit After Tax before 796 581 37% 832 -4% 2,656 exceptional items Exceptional Items* - - N.A - N.A 15 Profit After Tax 796 581 37% 832 -4% 2,641 Note: Exceptional Items includes ₹20 cr (pre-tax) provisioning arising from the implementation of the New Labour Code 11 Other Income (All Figures in ₹ Crore) Q1'FY27 Q1'FY26 YoY Q4'FY26 QoQ FY26 Loan Assets Processing & Other Fees 344 262 31% 375 -8% 1,299 General Banking, Cross Sell & Deposits related fees 186 157 19% 242 -23% 871 Credit Card 99 57 74% 85 16% 263 Transaction Banking & Forex Income 48 33 46% 44 8% 149 Miscellaneous 3 2 31% 1 138% 7 Core Other Income 680 511 33% 748 -9% 2,589 Income from Treasury Operations 9 300 N.A -17 N.A 389 Total Other Income 689 811 -15% 731 -6% 2,978 Other Income as % of Net Interest Income 26% 40% N.A 28% N.A 33% 12 Key ratios Particulars Q1'FY27 Q1'FY26 Q4'FY26 FY26 NIM 5.9% 5.4% 6.0% 5.7% Margins Gross advance yield 13.7% 14.1% 13.8% 13.9% Cost of funds 6.48% 7.08% 6.49% 6.75% Cost-to-assets ratios (excl. CGFMU) 4.0% 3.9% 4.2% 4.1% Cost efficiency Cost to Income ratio (excl. CGFMU) 56.6% 53.7% 58.6% 57.4% CD ratio (excl. refinance) 80% 79% 80% 80% LCR 119% 123% 119% 120% Balance sheet Tier-I ratio 17.1% 18.2% 16.9% 16.9% CRAR 18.9% 20.0% 18.7% 18.7% GNPA 2.10% 2.47% 2.03% 2.03% NNPA 0.76% 0.88% 0.74% 0.74% Asset quality Credit cost (incl. CGFMU) 0.8% 1.4% 0.6% 1.0% PCR (excl. technical w/off) 64% 65% 64% 64% PCR (incl. technical w/off) 85% 83% 85% 85% 13 Balance sheet (All Figures in ₹ Crore) 30th Jun'26 30th Jun'25 YoY 31st Mar'26 QoQ Liabilities Shareholders Fund 20,885 17,800 17% 19,974 5% Deposits 1,57,727 1,27,696 24% 1,52,661 3% Borrowings 13,419 10,649 26% 13,872 -3% Other Liabilities and Provisions 5,093 4,668 9% 5,291 -4% Total Liabilities 1,97,125 1,60,813 23% 1,91,797 3% Assets Cash and Bank Balances 8,483 8,510 0% 8,523 0% Investments 45,793 38,344 19% 44,794 2% Advances 1,38,572 1,09,834 26% 1,34,276 3% Fixed Assets 1,473 1,276 15% 1,436 3% Other Assets 2,803 2,850 -2% 2,768 1% Total Assets 1,97,125 1,60,813 23% 1,91,797 3% Securitised Assets 3,789 6,010 -37% 4,286 -12% ❑ RWA to Total Assets stands at ~61% as on 30th Jun’26 14 RoA Tree RoA Tree % Q1'FY27 Q1'FY26 Q4'FY26 FY26 Net Interest Income 5.6% 5.2% 5.6% 5.4% Other Income 1.4% 2.1% 1.6% 1.8% Net Total Income 7.1% 7.3% 7.2% 7.2% Cost to Assets 4.1% 3.9% 4.3% 4.2% PPoP 3.0% 3.3% 2.9% 3.0% Credit Cost 0.8% 1.4% 0.6% 1.0% PBT 2.2% 2.0% 2.4% 2.1% Tax 0.6% 0.5% 0.5% 0.5% PAT/ RoA 1.7% 1.5% 1.8% 1.6% RoE 15.6% 13.3% 17.0% 14.2% EPS (₹) 11 8 11 35 BVPS (₹) 279 239 267 267 RoA Tree is computed basis the monthly average of total assets 15 Asset quality - NPA movement Figures in ₹ cr NPA movement Q1’FY27 Q1’FY26 Q4’FY26 Opening GNPA 2,756 2,477 2,881 Additions during the period* 798 1,027 659 Less: Recoveries & Write Offs during the period 605 753 784 Closing GNPA 2,948 2,751 2,756 NPA summary Q1’FY27 Q1’FY26 Q4’FY26 Gross NPA 2,948 2,751 2,756 Less: Cumulative Provisions 1,889 1,780 1,766 Net NPA 1,060 971 990 Gross NPA Ratio 2.10% 2.47% 2.03% Net NPA Ratio 0.76% 0.88% 0.74% Provision Coverage Ratio 85% 83% 85% Provision Coverage Ratio (Excluding technical write-off) 64% 65% 64% Write offs 240 435 259 ❑ ~7.7% of the gross advances are covered under various government guarantee schemes; CGFMU coverage on MFI book is ~96% ❑ PCR stands at ~71% post including contingency provisions and benefit from portfolio secured under government guarantee schemes *Additions/Reductions to GNPA presented for the quarter exclude any intra-quarter additions and reductions i.e. Loans which slipped into NPA during the quarter, and got subsequently upgraded/write off within the same quarter are excluded 16 Overview of total provisions Figures in ₹ cr Jun’26 Mar’26 Particulars Loan Loan Provisions Coverage Provisions Coverage Amount Amount GNPA 2,948 1,848 63% 2,756 1,725 63% Covid related restructuring (Standard) 217 36 17% 231 38 16% Contingency provisions 37 38 Floating provisions 41 41 Stressed and contingencies provisions 3,165 1,962 2,987 1,842 Provisions towards Standard Assets 476 457 Total Provisions 2,438 2,299 Provisions as a % of gross advances 1.74% 1.69% 17 1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 18 Tech strategy: Aligning technology investment to business impact Our technology strategy positions the Bank for sustainable, technology-led growth by balancing resilience, cost discipline, digital scale, and long-term transformation through data, analytics, and AI 1. Run the Bank: Protect the core and improve operating leverage ❑ Maintain a resilient, secure, and scalable technology foundation with 99.9%+ application uptime to protect customer trust and business continuity ❑ Improve operating leverage by driving efficiency across core platforms, infrastructure, and support processes ❑ Keep near-term investment discipline, focus on incremental upgrades, modernization of critical components, and architecture benchmarked for scalability 2. Build the Bank: Scale digital adoption and reduce cost-to-serve ❑ Strengthen workflows and applications to support near-term business expansion, faster turnaround times, and improved productivity ❑ Increase straight-through processing and direct-to-customer digital engagement to reduce manual effort and lower cost-to-serve ❑ Deepen investment in the digital layer to accelerate customer adoption, improve service consistency, and create a scalable platform for future products 3. Transform the Bank: Create a future-ready, data and AI-led institution ❑ Build a modern technology stack aligned with the Bank’s 3–5 years vision, enabling agility, faster product innovation, and category leadership ❑ Convert enterprise data into a strategic asset through data lake, strong governance, and analytics use cases that improve risk and growth ❑ Scale AI initiatives for measurable business values, such as productivity, risk decisioning, customer service, and operational control ❑ Sustain disciplined investment in data, AI, cybersecurity, and digital infrastructure to build efficiency and create long-term differentiation 19 Build: Digital evolution and automation ❑ A modern, cloud-native, API-driven architecture supports real-time processing, scalability and faster execution Digital — AU 0101 now processes more than 90% of the Bank’s total transactions and service requests Platform ❑ Extended digital platforms to dealers and partners for digital sourcing and processing — live for vehicle Extension finance and digital loans, with more retail loan journeys to follow ❑ Launched an enhanced real-time payments (UPI) interface on AU 0101 version 2.0 ❑ Built a unified cross-lead platform for AI-led lead aggregation, qualification and distribution across internal and partner channels; onboarded 25,000+ users with 92% daily active usage Acquisition ▪ Integrated seamlessly with AU’s native lead management system, enabling a single workflow for customers Funnel engagement and lead capture, improving productivity and conversion Optimization ❑ Launched a propensity-driven engagement engine for intelligent prioritization and personalized servicing, with pre- approved journeys live across credit cards, personal loans, and vehicle finance ❑ Expanded the enterprise workflow platform to retail credit cards, leveraging the automation built for vehicle and PL ❑ Embedded AI-driven customer profiling and recommendations into onboarding journeys, enabling contextual cross-sell from day one Process and ❑ Piloted AI-powered collections workflows with intelligent case allocation and channel selection, enhancing recovery Workflow efficiency, productivity, and customer engagement Automation ❑ Scaled AI-led workflow automation across Finance, Risk, Compliance, Audit, and employee productivity functions, improving efficiency, strengthening governance, and enabling a scalable digital operating model 20 Transform strategy: Advancing an AI-native technology stack We continue strengthening the Bank’s native AI architecture so AI scales safely, economically and sustainably. Our edge isn’t the number of AI agents we deploy — it’s the strength, flexibility and control of the architecture underneath them 1. Bank-Native AI Platform ❑ Continued investment in a proprietary, bank-native AI platform built for secure, enterprise-scale adoption across every business function 2. Framework- and Model-Agnostic Architecture ❑ The platform is evolving to support multiple agentic frameworks, enabling fast adoption of emerging AI innovation without vendor lock-in ❑ Multiple AI models run in tandem, reducing single-model dependency and limiting concentration and outsourcing risk 3. Deterministic AI for Enterprise IP Protection ❑ Deterministic AI keeps business intelligence and proprietary knowledge inside the Bank’s controlled environment — strengthening data protection and building durable competitive differentiation 4. Enterprise-Wide AI Transformation ❑ AI-led transformation is extending beyond lending into customer onboarding, multi-asset origination and next-generation customer service 21 Transform: Agentic AI in action across the Bank (1/2) Customer onboarding Retail Assets: ❑ Scaling our agentic AI-led gold loan origination platform across branches and launching a mobile-native journey — validating AU’s AI-first lending strategy ▪ Extending the same platform to mortgages, bringing AI-powered origination to a more unified lending ecosystem ❑ Reimagining vehicle finance (Wheels), credit card and personal loan journeys with Salesforce through AI-native workflows — for faster decision, stronger customer experience and better operating efficiency Commercial Assets: ❑ Building an agentic AI platform to accelerate deployment of AI use cases across the commercial banking loan origination system ▪ A scalable, multi-model architecture unlocks enterprise data, integrates with core systems, and accelerates AI adoption at scale Liabilities: ❑ Piloting an AI-led savings account onboarding journey on the existing ACE onboarding platform 22 Transform: Agentic AI in action across the Bank (2/2) Customer Service ❑ Deployed an enterprise-scale voice-AI platform across 11 languages, backed by AI-powered sentiment analytics and agent-augmentation tools ❑ Scaling AI-led engagement - roughly 1 million outbound calls processed in four months, with a roadmap to automate about 25% of total call volume ❑ Expanding AI-led servicing across voice, email and collections to sharpen turnaround times, customer experience, workforce productivity and operating efficiency AI Centre of Excellence (COE) ❑ An AI Centre of Excellence is institutionalizing enterprise-wide AI transformation and scaling high-impact use cases across the organization ❑ Driving AI-first process transformation across support functions - 50+ use cases focused on automation, productivity and operational efficiency ❑ Embedding AI across the employee lifecycle - hiring, onboarding, training and workforce enablement ❑ AI-assisted development for 200+ engineers is accelerating innovation cycles and technology delivery 23 Transform: Data platform and engineering, built for scale ❑ Built an enterprise data lake consolidating internal and external sources — incl. credit bureau and consent-based data-sharing frameworks — to power real-time dashboards and apps such as Customer 360 and operational Data monitoring Engineering & Business ❑ A centralized query builder gives the Bank controlled, self-service access for ad hoc data extraction Dashboards ❑ Building AI-enabled natural-language querying so authorized business users can build queries, dashboards and reports and access real-time insight, independently ❑ One platform consolidating customer attributes, accounts, services, relationships, transactions and analytical insight ❑ A unified view of customer profitability across products and channels — revenue, cost-to-serve and value Customer 360: contribution — sharpening focus on high-value customers, pricing and portfolio returns Customer One ❑ Gives teams a fuller picture of the customer, enabling more personalized, relevant interactions grounded in View engagement history ❑ Live for Customer service, with bank-wide rollout underway 24 Transform: Data science and analytics ❑ Strengthened underwriting analytics for unsecured loans with underwriting scorecards covering 100% of new and existing customers, drawing on credit bureau data, consent-based data-sharing insights, transaction data and banking behavior Analytics for ❑ Propensity-led models scaled pre-approved personal loan offers more than 3x month-on-month over the past year Unsecured Loans ❑ Behavioral scorecards for credit cards support post-acquisition strategy, limit enhancement and transaction whitelisting ❑ Predictive targeting identifies credit card customers likely to take up Xpress Loans or EMI offers ❑ Deployed bureau- and application-based scorecards for personal car loans, taxi loans, small commercial vehicle (SCV) loans and vehicle refinance Analytics for ❑ Extending the same analytics capability to mortgages to strengthen underwriting and portfolio decisions Secured Loans ❑ Early-stage, with positive outcomes expected soon ❑ ML-based risk assessment model auto-closes about 70% of monthly AML alerts — strengthening our AML framework while improving productivity and enabling leaner operations Analytics for ❑ Implemented MuleHunter.ai, an AI/ML model developed with a leading regulatory innovation partner, to detect and prevent Fraud and AML mule accounts — with positive early results ❑ Partnering with market experts to validate models and scorecards 25 1 KEY UPDATES 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 26 Geographic distribution of deposits & advances All figures are as on Deposits Gross Loan Portfolio (GLP) 30th Jun’26 2% 1% 1% Maharashtra 2% 4% 3% 2% 2% 3% Rajasthan Rajasthan Maharashtra 1% 3% Delhi Madhya Pradesh 4% 3% Gujarat Gujarat 23% 25% Haryana 4% 4% Delhi Punjab Haryana Uttar Pradesh 5% 0.6% 5% 0.7% Punjab Karnataka Market Market Uttar Pradesh Madhya Pradesh 5% 5% Share Share Telangana Himachal Pradesh 15% 6% 20% 6% Karnataka Telangana Andhra Pradesh Tamil Nadu 8% 12% West Bengal Chhattisgarh 12% Kerala 14% Tamil Nadu Others Other Garnering deposits from Urban markets and disbursing in Core markets % Share in Deposits GLP Core markets 17% 62% Urban markets 83% 38% Total 100% 100% Market share is calculated on figures available in RBI weekly supplement data as on 30th Jun’26; Core Markets are smaller centres in rural/semi-urban which typically have a local economy built around agriculture and small businesses, and which have traditionally been our traditional markets for lending; Urban markets are other than core markets (both are as per internal 27 classification) Pan-India geographic presence 21 States and 4 UTs 2,920 Touchpoints 521 Districts 514 Urban Branches 778 ATMs 07 10 States with more 16 AU Asset + Unbanked 66 than 100 touchpoints MFI Center 2,920 04 Touchpoints 723 1,269 928 05 48 Branches Asset Centres BO + BC + Unbanked 73 157 Net 130 touchpoints 20 63 47 added in Q1’FY27 02 499 185 294 Region wise Touchpoints 66 257 East 22 11% 240 South 50 Central 30% 43 16% 04 253 West 123 North 275 18% 24% 76 03 152 Map is for representative purpose only; highlighted purple ( ) states & UT’s represent the presence of AU’s physical touchpoint 28 Deposit book snapshot Daily average CASA balance CASA ratio & Stable deposit* ratio (₹ in ‘000 Crore) Deposit mix (₹ in ‘000 Crore) Total deposits 127.7 132.5 138.4 152.7 157.7 5.8 6.1 6.4 79% 79% 80% 79% 79% 5.2 5.3 103.2 106.0 33.2 34.8 85.2 88.2 92.7 28.5 30.9 31.0 29% 29% 29% 28% 29% 30.9 31.4 32.5 34.0 36.9 6.3 7.6 7.4 9.4 8.5 5.0 5.6 5.9 6.5 7.0 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 CA SA Stable Deposit % CASA % CA SA TD COD Complete product bouquet across channels Segmented offering Branch bkg. channels Other channels Cross sell products Unsecured credit Secured loans Ivy, Eternity, Royale, Payments, QR, NRI, TASC, Government & inter- Housing Loan, Platinum Insurance, Credit card, Video Banking, bank, Car Loan, - Banking programs for Wealth solutions, Personal loans and Enterprise Salary Wholesale, Business Loan & SA and CA accounts Transaction Banking, OD products NBFC & FIG Working Capital Trade and Forex Note: *Stable deposit % includes (CASA + Retail TD + non-callable bulk TD) / Total Deposits 29 Asset book snapshot ₹ in cr Q1'FY27 Q1'FY26 Q4’FY26 YoY QoQ Segments GA Yield Gross GA Yield Gross GA Yield Gross Growth Growth GLP GLP GLP (%) NPA (%) (%) NPA (%) (%) NPA (%) Retail Secured Assets 96,485 14.2% 2.4% 78,739 14.4% 2.7% 22.5% 92,742 14.2% 2.4% 4.0% Commercial Banking 32,789 10.3% 0.9% 24,501 10.9% 1.0% 33.8% 30,968 10.4% 0.8% 5.9% Inclusive Banking 7,488* 25.2% 3.6% 6,506 25.1% 4.2% 15.1% 7,150 25.2% 3.8% 4.7% Digital Unsecured 3,145 14.5% 3.5% 3,051 15.0% 8.3% 3.1% 2,949 14.2% 4.2% 6.6% Others 4,343 7.9% 0.4% 4,827 7.9% 0.3% -10.0% 6,518 8.0% 0.3% -33.4% Total 1,44,250 13.7% 2.10% 1,17,624 14.1% 2.47% 22.6% 1,40,327 13.8% 2.03% 2.8% ❑ Gross Loan Portfolio (GLP) includes assigned loan book (off book) of ₹3,789 cr in Q1’FY27 (vs ₹6,010 cr in Q1’FY26 and ₹4,286 cr in Q4’FY26), mostly from Wheels and MSME ❑ *96% of MFI book (part of Inclusive banking) is covered under government guarantee program under CGFMU Note: Segment classification - Retail Secured Assets (Wheels, Mortgages and Gold Loans); Commercial Banking (Business Banking, EEFI, REG and Renewable Energy); Inclusive Banking (MFI, FPO Financing and SMF); Digital Unsecured Loans (Credit Cards and Personal Loans); Others includes ODFD, Inter-bank Term Lending, TREDS, rundown SME book GA means Gross Advances; GNPA is reported on Gross Advances 30 Breakdown of customer assets – additional disclosure (All figures in ₹ cr) 30th Jun'26 30th Jun'25 YoY 31st Mar'26 QoQ Consumer Assets 65,974 57,850 14% 63,958 3% - Mortgages1 Retail 43,318 38,654 12% 42,438 2% - Auto (Cars, 2W) Retail 19,511 16,145 21% 18,571 5% - Credit Cards Retail 2,248 2,327 -3% 2,196 2% - PL, BL Retail 896 725 24% 753 19% Commercial Assets 56,216 42,153 33% 53,304 5% - Commercial Vehicles (CV/CE/3W/Taxi) Retail 23,427 17,652 33% 22,336 5% - Business Banking (MSME) Commercial 18,727 15,638 20% 17,641 6% - EE&FI Commercial 5,777 4,100 41% 5,713 1% - REG Commercial 5,233 3,396 54% 5,011 4% - Renewable Energy Commercial 3,052 1,368 123% 2,603 17% Rural Assets 17,716 12,794 38% 16,547 7% - MFI3 Retail 7,488 6,506 15% 7,150 5% - Tractor finance Retail 5,681 4,308 32% 5,456 4% - Gold loan Retail 4,547 1,980 130% 3,941 15% Others2 4,343 4,827 -10% 6,518 -33% Total GLP 1,44,250 1,17,624 23% 1,40,327 3% Credit substitutes 1,010 560 80% 1,040 -3% Total customer assets 1,45,260 1,18,184 23% 1,41,367 3% ❑ Retail Banking verticals forms 74% and Commercial Banking verticals forms 23% of total loan assets 1. Includes Home loans, MBL and LAP; 2. Includes ODFD, inter-bank term lending, TREDS & SME, SME (run-down); 3. MFI book includes FPO and SMF Credit substitutes include lending to NBFCs in the form of CP and NCD and form part of investments Basis internal classification and subject to changes 31 1 KEY UPDATE 2 FINANCIAL HIGHLIGHTS 3 AI & TECH UPDATE 4 BUSINESS UPDATE 5 ABOUT AU SMALL FINANCE BANK 32 AU SFB: Scaled, profitable, with ‘in-principle’ approval for Universal Bank ❑ A high-quality, well-governed banking franchise with an ‘in-principle’ approval for transition to Universal Bank ▪ Founded in 1996 as a vehicle financier, AU built strong capabilities in serving underserved, self-employed customers across semi-urban and rural India; Over the last nine years, AU has evolved into India’s largest SFB with strong governance and risk management track record ❑ Scalable & sustainable retail-led business model with execution track-record ▪ A scaled, retail loan book which is largely secured (>90%), well diversified (10+ business lines) with a pan-India distribution (~2900 touchpoints) having best-in-class, through the cycle risk adjusted yields; underpinned by a strong and granular deposits franchise built from ground up ▪ Deposits and advances CAGR at 45% and 34% respectively, with avg RoA of 1.6% and avg RoE of 14.2% over the last 9 years ❑ Stable, founder-led leadership with institutionalized governance ▪ Entrepreneurial culture, institutionalized governance and leadership stability enabled AU to scale consistently while retaining agility, discipline and a long-term customer focus ▪ Deep leadership bench of young talent with ~10 years average tenure with AU ❑ Digital-first platform driving efficiency and scalability ▪ Strong Tech and digital architecture with no legacy systems; Early mover on AI-led initiatives to provide sustained operative leverage ❑ Large headroom for growth ▪ ~0.7/0.6% market share → significant runway across loans and deposits respectively ▪ Strong positioning in underpenetrated underserved retail, MSME and informal segments Right to Win : Customer insight × Distribution × Digital × UB transition (in-principle approval) 45% Deposit CAGR | 34% Loan CAGR | 1.6% RoA | 14.2% RoE | >90% Secured Book 33 Long-term performance trajectory remains strong 1996 2017 2021 2024 2025 2026 Advancing towards Started as a vehicle Commenced Launched Digital Bank, Acquired In-principle approval becoming an AI- financier operations as an SFB video banking and Credit Fincare SFB for Universal Bank powered bank cards Metric FY18 Jun’26 Multiple Customer base 7.5 Lacs 125 lacs+ 16.7× Employees 11,151 58,478 5.2× Touchpoints 474 2,920 6.2× Deposits ₹7,923 cr ₹1,57,727 cr 19.9× Gross loan portfolio ₹16,256 cr ₹1,44,250 cr 8.9× Shareholders’ funds ₹2,281 cr ₹20,885 cr 9.2× Total assets ₹18,833 cr ₹ 1,97,125 cr 10.5× Profit after tax ₹292 cr ₹2,856 cr* 9.8× EPS ₹5 ₹38* 7.4× BVPS ₹40 ₹279 7.0× *PAT and EPS is calculated for Trailing 12 months 34 With consistent and strong execution track record…. ₹ in Bn Deposit Gross advances Total assets 45% 34% 34% 1,360 1,918 1,527 1,243 1,088 1,578 872 740 1,094 694 592 902 526 468 691 194 262 360 134 230 272 354 188 326 421 516 79 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 EPS in ₹* Net interest income PAT* 32% 33% 26 28% 35 21 91 28 80 16 24 14 22 52 11 19 18 44 9 13 19 24 32 3 4 6 6 5 7 11 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 *Figures are excluding exceptional items - Profit from sale of Aavas stake in FY20 and FY21 and Fincare merger expenses (stamp duty and transaction expenses) in FY24 35 ……In a healthy and profitable way Asset quality profile Pre provision profit (PPoP) & Credit cost on Avg Total assets 3.7% 4.3% 3.3% 2.9% 3.1% 3.0% 3.0% 2.7% 2.5% 2.5% 2.3% 2.0% 2.0% 1.7% 2.2% 2.0% 1.7% 1.7% 2.0% 1.4% 1.3% 1.0% 0.6% 0.7% 0.6% 1.3% 0.5% 0.4% 0.5% 0.7% 0.7% 0.4% 0.2% 0.4% 1.3% 0.8% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 GNPA NNPA PPoP Credit Cost Cross cycle average RoA of ~1.6% and average RoE of ~14.2% RoA profile* RoE profile* 2.0% 1.9% 1.8% 15.8% 16.4% 15.4% 1.5% 1.6% 1.6% 1.5% 1.6% 13.7% 14.0% 13.5% 13.1% 14.2% 1.3% 12.0% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Figures are excluding exceptional items - Profit from sale of Aavas stake in FY20 and FY21 and Fincare merger expenses (stamp duty and transaction expenses) in FY24 *Including exceptional items, 9 year average RoA is at 1.8% and RoE at 15.7% 36 Full-suite of products with digital capabilities Deposit Franchise Diversified Asset Products Third Party Products COMMERCIAL DEPOSITS RETAIL ASSETS INSURANCE WEALTH ASSETS Wheels Working Cap. Loans Life Mutual Fund Current Account Micro Business loan Business Loans Health ASBA/IPO Savings Account MFI Agri Loans Motor, Fire & General 3 in 1 Broking Services Term Deposit Home loan Real Estate Group Loan Protection PMS, AIF, Bonds, NPS Green Deposit FCNR (B) Deposits Gold loan EEFI Funding Asset Protection REIT/INVIT Premium Banking Programs Credit Card Renewable funding SME International & Unlisted Retail FX Personal loan Non-Fund Facilities Employee Benefit Shares Insurance Solutions Gift City based UPI QR Tractor loan Trade and Forex - With 16 Partners Investment Fastag Overdraft Transaction Banking Digital Channels AU 0101 Business Video Whatsapp AU0101 Chat Bot IVR AI Bot Merchant App Banking Banking 37 External ratings Credit Ratings ESG Ratings 16.6 (Low Risk) Fixed Deposits AA+/Stable CRISIL (CSA) 47 Long Term/ CRISIL/ CARE/ ICRA subordinated Debt/ AA/Stable Ratings Included in Tier II Bonds FTSE4Good Emerging Indices Short Term A1+ CRISIL/ CARE/ 73 India Ratings (Strong) 80.4 (Low ESG Risk) 38 Financial & Digital Inclusion Access Highlights Financial Products ` 22,900+ Count Products (Active) Financial Literacy Camps (as on 30 June 2026) ` Organized at rural branches BSBD Accounts 5.7 lac+ ~33% Touchpoints in Unbanked Rural Centres MUDRA Loans^ 25.7 lac+ 958 touchpoints PM Jeevan Jyoti Bima Yojna (PMJJBY) 1.0 lac+ 118 Special Focus Districts* PM Suraksha Bima Yojna (PMSBY) 1.5 lac+ covering 700 touchpoints Atal Pension Yojna (APY) 1.8 lac+ District Coverage Breakdown Shakti Accounts 50.5 lac+ 50 Aspirational Districts 16 Hill State Districts 1 NE Region District 51 LWE Affected Districts Microfinance Loans^ 32.7 lac+ ₹116 Cr+ ₹ Direct Benefit Transfer ^Microfinance Loan figures include loans under PM SVANidhi, PM Received in Aadhaar seeded BSBD accounts Vishwakarma, IGUCCY and MUDRA schemes. Out of total Microfinance *The list is prepared taking cognizance of special focus districts classified by Loans, 23.2 lac+ accounts pertain to MUDRA loans. NABARD (dated 2023), MYMSME, NFDB & NITI AAYOG 40 Board of Directors Mr.HRKhan Mr. JMPrasad Mr.KamleshVikamsey Part time Chairman &Independent IndependentDirector IndependentDirector Director 30+ yearsofexperience 42+ yearsofexperience, 46+ yearsofexperience Ex-DeputyGovernorofRBI SeniorPartner-KKC &AssociatesLLP Ex-ChiefofHRatINGVyasaBankandKotalMahindra ServedonBoardsofSeveral Banks&regulatoryBodiesincludingNHB& Member (AoC)-WorldMetrologicalOrganization(WMO) NABARDetc. Old MutuallifeInsurance Ex-Chairman-AuditAdvisoryCommittee,UNICEF Mr. Nandkumar Saravade Mr. NS Venkatesh Ms.Malini Thadani IndependentDirector IndependentDirector IndependentDirector 40+ yearsofexperience 36+ yearsofexperience 40+ yearsofexperience Ex ED & CFO – IDBI, Ex CEO – AMFI, Ex-Chairman – FIMMDA & Ex-HeadofCorporateSustainability,AsiaatHSBC HeldleadershippositionsatIndian RevenueServices CEO atReBITandDataSecurityCouncilofIndia Ex-Member FEDAI Mr. Satyajit Dwivedi Mr. Phani Shankar IndependentDirector IndependentDirector 35+ yearsofexperience 30+ yearsofexperience Ex MD & CEO – Nabkisan, Ex-CGM – NABARD, Ex CEO – NCFE Ex-Chief Credit Officer at Kotak Mahindra Bank, Ex-Director Kotak (Promoted by RBI, SEBI and IRDAI), Faculty at CAB Mahindra Investments Ltd. and Kotak Infrastructure Debt Fund Executive Directors Mr.SanjayAgarwal Mr.Vivek Tripathi Founder,MD&CEO Whole-Time Director 30+ yearsofexperience 25+ years of experience EYEntrepreneuroftheYearAward2018; Business Associated with theBank formorethan12 years Leader oftheYear, ICAI Awards, 2017 41 CSR Initiatives (1/2) AU Ignite: AI training for future skill trainees AU Udyogini: Mother's Day celebrated with AU Udyoginis AU Udyogini: As on date, total 5,995 women are nurtured and 3,926+ AU Ignite: Till Q1’FY27, 36,000+ youth got trained in 10 centers across 6 empowered under Individual Women Entrepreneurship initiative with a districts of Rajasthan; 26,000+ have been linked to employment presence in 1,000+ villages and hamlets across 25 districts of Rajasthan, Madhya Pradesh , Maharashtra & Gujarat including 5 aspirational Highlights of Q1’FY27 districts. ❑ 306 youth trained; 300+ employed Highlights of Q1’FY27 ❑ 23 Workshop and events | 79 Guest sessions| 103 Kaushal connect| 27 Exposure visits ❑ 80+ Udyoginis came together on Mother’s Day to celebrate their ❑ Specialized AI training for future skill trainees via industry expert entrepreneurial journeys in presence of their kids , engaged in capacity building sessions, followed by felicitation ceremony. ❑ A structured cross-training initiative introduced for trainers across domains for academic enrichment and capacity building. ❑ Expanded the AU Udyogini Individual Women Entrepreneurship (IWE) Model to Gujarat 42 CSR Initiatives (2/2) AU Bano Champion: 1st residential Summer Camp for athletes AU Kartavya: Students studying at AU Study Centre Bano Champion: Active at 75+ locations across Rajasthan, 6,000 AU Kartavya: Till Q1’FY27, 1,521 health checkup camps, 360+ Jal kids & youths regularly trained across 7 sports disciplines. Bank, 16 open air gyms, 34 police booths, Infrastructure development Conducted 9 Coaches’ Development Programs and 12 Exposure in 27 educational institutions, flood relief to 7,140+ families. Camps (280+ athletes). Achievements: 110+ National, 450+ State, Highlights of Q1’FY27 and 1,000+ District-level medals. ❑ Under Healthcare, provided emergency vehicle to a hospital in Jaipur, supported Highlights of Q1’FY27 with path lab & critical medical equipment in Bhopal & Maharashtra. ❑ Athlete from Jodhpur secured bronze at U15 Asian Boxing ❑ Under Education, enhanced infrastructure in govt and trust-run schools and championship. colleges in Raj, Guj & Mumbai & distributed 6,000+ notebooks to ❑ Won 1 International, 20+ National, 50+ State & above, and 60+ underprivileged children. 1,200+ students are being educated via 60 AU Study District-level medals. Centers across remote villages of 4 states through the year. ❑ Organized the 1st edition of residential summer camp for 240+ ❑ Under Environment & Sustainability, distributed around 30,000 jute bags athletes in 5 sports at 3 locations of Rajasthan. to encourage sustainable practices. 43 Shareholding pattern KMP, Director & their relatives (Excluding Independent Director) Others 0.05% Individuals 1.8% 6.3% Promoter & Promoter Group Domestic 22.7% Foreign holding 36% Domestic holding 64% Domestic Institution (Mutual Funds, Insurance, AIF 32.8% and Others) Foreign Holding 36.3% Note: % is calculated on total paid up capital, Shareholding pattern as on 30th Jun’26 44 Awards and recognition “Recognised for its strong contribution and performance “Best Small Finance Bank `“Top 10 – India’s Best Companies to Work” under the APY initiative” Award' (SFB category)” At Atal Pension Yojana (APY) Great Place to Work, 2026 At Financial Express India's Best Annual Felicitation Programme Banks Awards 2026 FY 2025-26 organized by PFRDA `“Best Investor Relations (IR) Team in Asia “TransUnion CIBIL Best Data Quality Award, SFB Consumer : (ex-Japan/ANZ)” SILVER won by AU : 2025-2026” “Best Data Quality, Award MFI Category Overall - BRONZE Banks (Small & Mid-Cap) Won by AU : 2025-2026” Extel Asia, 2026 At TransUnion CIBIL Credit Conference 2026 45 For further information about the bank - Scan to Download Analyst day Sustainability Annual Report FY25 AU Insights * presentation - Mar’24 Report *presentations providing detailed insights into the working of each business group 46 For Investor queries contact (details in QR Code): Mr. Prince Tiwari Email: investorrelations@aubank.in