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Q2’FY27 Earnings presentation 24th October 2026 Sustainable Business Model | Retail Focused | Tech-Led | Customer Centric | Well-Governed
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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. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner, without the prior written consent of the Bank. Failure to comply with this restriction may constitute a violation of applicable laws. This presentation does not constitute or form part of an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction, including India and the United States. 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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. Disclaimer 2
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KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK 1 2 3 4 5 3
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KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK 1 2 3 4 5 4
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Profitability & Capital ❑ RoA/RoE for Q2’FY27 at 1.7%/16.1% and for H1’FY27 at 1.7%/15.8% respectively ▪ NIM expanded 33 bps YoY to 5.8% from 5.5% in Q2'FY26 ▪ Core PPoP (ex treasury gains) grew strongly at 31% YoY led by 32% NII growth and 16% growth in core other income ▪ PAT up 53% YoY at ₹858 cr (vs. ₹561 cr in Q2’FY26) ▪ Tier I capital ratio at 16.8% and total CRAR at 18.5% Gross loan portfolio ❑ Loans grew 25% YoY (7% QoQ) to ₹1.54 lac cr vs. ~19% estimated growth in banking sector ▪ Disbursement grew 33% YoY and 12% QoQ driven by broad-based growth across businesses ▪ Secured business (Retail + Commercial) grew 26% YoY and 5% QoQ; Unsecured business grew 23% YoY and 8% QoQ Deposits ❑ Deposits grew 29% YoY (8% QoQ) to ~₹1.70 lac cr vs. ~18% estimated growth in banking sector ▪ CASA deposits grew 29% YoY and 11% QoQ, CASA ratio grew 72 bps sequentially to 29.5% ▪ Cost of Funds (CoF) declined by 43bps YoY and 7 bps QoQ to 6.41% Asset quality ❑ Slippages and asset quality both improved YoY with GNPA at 1.99%, NNPA at 0.81% ▪ Slippages improved YoY to 2.6% (vs. 3.3% in Q2’FY26), supported by improvement in unsecured businesses; slippages in secured businesses remained stable ▪ Credit cost, incl. guarantee premium, improved 45 bps YoY to 0.8% (vs. 1.2% in Q2’FY26) Q2’FY27 – Consistently delivering across parameters 5 Operating efficiency ❑ Cost-to-assets (ex guarantee premium) at 3.9% compared to 4.0% in Q2’FY26 ▪ Improvement despite strong business growth and ongoing investment in distribution, manpower, branding and tech
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Distribution, Ratings & Recognition Q2’FY27 – Other highlights 6 AI & Tech Update Foundation built. Adoption scaling. AI becoming enterprise-wide ❑ One strategy, three engines: Run, Build, Transform; each with dedicated teams and leaders ❑ Digital Adoption: >95% bank transactions done digitally; 46+ lac registered users on AU 0101 with 19.4 lac MAUs ❑ Employee Tech: 60%+ straight-through customer onboarding; 25K+ sales management app users; ~5% of the Q2 disbursements via cross-sell lead platform ❑ AI-Native Bank: Gold Loan Agentic LOS live across 40 branches, >2.5 k loans disbursed; application will be rolled to 100 branches ❑ Data & AI Impact: ▪ ₹500+ cr of unsecured loans disbursed in Q2 through scorecard led model ▪ Auto resolution of more than 50% AML alerts ▪ 19+ voice bots deployed with ₹500+ cr loans disbursed YTD with 50% lower opex ❑ Franchise expansion and institutional recognition received during the quarter ▪ Received SEBI approval for providing UPI Sponsorship Services under the ASBA framework for IPOs and Public Issues ▪ ICRA upgraded the outlook on long-term credit rating to Positive from Stable while retaining rating at ‘ICRA AA’ ▪ Added 45 new deposit branches and 100+ asset centers in Q2 taking the total touchpoints to 3,103 ▪ Ranked 54th in ‘Large category’ among Asia’s Best Workplaces for 2026 by Great Place to Work Leadership strength ❑ Leadership depth further strengthened ▪ Mr. Anil Agarwal joined as Senior Executive Group Head, with nearly three decades of experience, to lead Commercial & Institutional Banking business ▪ Mr. Amol Padhye assumed the role of CRO and will further strengthen enterprise-wide risk management ▪ New corporate office in BKC area, Mumbai - Senior leadership to transition to new office over next few months
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Deposit and Liquidity as at 30th Sep, 2026 SA Deposits ₹38,595 cr 23% CA Deposits ₹11,693 cr 55% Total deposits ₹1,70,460 cr 29% CD Ratio ex of refinance 80% Cost of Funds (Q2) 6.41% 43 bps LCR Ratio (Q2) 116% Deposits & Cost of Funds ❑ Focus on three core pillars - Granularity, Stability, and Cost of funds ▪ Granularity: CASA deposits cross ₹50,000 cr and grew 29% YoY led by 55% growth in CA and 23% in SA ▪ Stability: Stable deposits (CASA + Retail TD + Non-callable Bulk TD) formed 79% of total deposits; Within bulk deposits, focus remains on transactional deposits and non-callable deposits ▪ CoF: Declined 7 bps QoQ to 6.41% from 6.48% in Q1’FY27 benefiting from stronger transactional current account flows and improvement in CASA ratio to 29.5%, up 72 bps QoQ ❑ FCNR deposit mobilization in the special RBI window was constrained in the absence of any offshore branch; Bank garnered ~$230mn of FCNR deposits in this specific period CD ratio/Loan to Deposit ratio (LDR) ❑ CD ratio was 87% at Sep’26 compared to 87% at Sep’25 ❑ After adjusting for loans against which refinance was availed from domestic Development Finance Institutions (DFIs), CD ratio stands at 80% (vs. 81% at Sep’25) Liquidity Coverage Ratio (LCR) ❑ Average LCR for Q2’FY27 was 116%, compared to 119% in Q2’FY26 and Q1’FY27 ❑ Bank carries additional liquidity equivalent to 10-15% of LCR in the form of high-quality, liquid, non- LCR investments Growth is YoY unless specified. Performance summary (1/3) 7
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GA Yield (Q2) 13.6% 27 bps Gross advances (GA) ₹1,50,291 cr 28% Gross loan portfolio ₹1,53,769 cr 25% Net NPA 0.81% 7 bps Credit cost ex. Premium (Q2) 0.7% 49 bps Gross NPA 1.99% 42 bps Provisioning coverage (PCR) 83% Loan Portfolio ❑ Gross loan portfolio registered a growth of 25% YoY and 7% QoQ ▪ Secured businesses (Retail + Commercial) grew 26% YoY and 5% QoQ, led by Wheels, Gold loans, Business banking and Renewable energy ▪ Unsecured businesses (Inclusive Banking, Credit card, PL) grew 23% YoY and 8% QoQ ▪ Commercial banking non-fund book at ₹12,000 cr+ ❑ Yield on gross advances declined by 9 bps QoQ to 13.6% largely led by changes in loan mix ▪ ~68% of loan book is fixed rate; additionally, ~3% book is on floating rates, most of which is currently in fixed interest period Asset quality and PCR ❑ Slippages improved YoY to 2.6% (vs. 3.3% in Q2’FY26), supported by improvement in unsecured, while slippages in secured businesses remained stable YoY ❑ GNPA ratio declined by 42 bps YoY to 1.99% (vs. 2.41% at Sep’25) and NNPA ratio improved by 7 bps to 0.81% (vs. 0.88% at Sep’25) ❑ Annualized credit cost (incl. guarantee premium) was 0.8%, compared to 1.2% a year ago ❑ PCR excluding technical write-offs stood at 60% (~67% after including contingency provisions and benefit from portfolio secured under government guarantee schemes) Growth is YoY unless specified. PCR includes technical write-offs. Performance summary (2/3) 8 Advances and asset quality at 30th Sep, 2026
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Financial performance – Q2’FY27 Operating expenses ₹2,077 cr 26% Core Other income ₹736 cr 16% Net interest income ₹2,820 cr 32% NIM 5.8% 33 bps RoA / RoE 1.7% / 16.1% 27 bps/ 365 bps Net Profit ₹858 cr 53% Tier-I / CRAR 16.8%/18.5% BVPS / EPS ₹290/ ₹11 18%/52% Note: Growth is YoY 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 Earnings ❑ NII grew 32% YoY supported by strong loan growth and expansion in margins by 33 bps YoY ▪ NIM moderated by 9 bps QoQ driven by higher share of investments to total assets and seasonality ❑ Core other income up 16% YoY driven by higher business volumes and growth in credit card & transaction banking fee ❑ Total other income was up 8% YoY impacted by muted treasury gains Operating expenses ❑ Operating expenses increased 26% YoY , reflecting higher business volumes and investment in distribution, manpower, branding and tech ❑ Cost-to-asset (excl. guarantee premium) was at 3.9% vs. 4.0% in Q2’FY26 ❑ Operating leverage continues to play out on underlying basis and expect cost-to-assets to improve on a full year basis Profitability ❑ PPoP increased 25% YoY to ₹1,514 cr; Core PPoP (ex treasury gains) increased by 31% YoY to ₹1,480 cr ❑ Provisions down 25% YoY to ₹359 cr led by normalisation in unsecured loans ❑ PAT up 53% YoY to ₹858 cr; annualised RoA at 1.7% and RoE at 16.1% Performance summary (3/3) 9
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KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK 1 2 3 4 5 10
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Profit & Loss statement 11 Note: *FY26 Exceptional Items includes ₹20 cr (pre-tax) provisioning arising from the implementation of the New Labour Code (All Figures in ₹ crore) H1'FY27 H1'FY26 YoY Q2'FY27 Q2'FY26 YoY Q1'FY27 QoQ FY26 Income Interest Earned 10,915 8,890 23% 5,612 4,511 24% 5,303 6% 18,636 Interest Expended 5,399 4,701 15% 2,792 2,367 18% 2,607 7% 9,524 Net Interest Income 5,516 4,189 32% 2,820 2,144 32% 2,695 5% 9,113 Other Income 1,459 1,523 -4% 770 713 8% 689 12% 2,978 Net Total Income 6,975 5,712 22% 3,590 2,857 26% 3,385 6% 12,091 Expenses Employee Cost 2,158 1,784 21% 1,094 919 19% 1,064 3% 3,828 Other Operating Expenses 1,868 1,406 33% 983 729 35% 885 11% 3,154 Operating Expenses 4,026 3,190 26% 2,077 1,647 26% 1,949 7% 6,982 Core PPoP 2,906 2,143 36% 1,480 1,131 31% 1,426 4% 4,720 PPoP 2,949 2,522 17% 1,514 1,210 25% 1,435 5% 5,109 Provisions 731 1,014 -28% 359 481 -25% 371 -3% 1,615 Profit Before Tax 2,218 1,508 47% 1,154 729 58% 1,064 8% 3,494 Tax expenses 565 366 54% 297 168 77% 268 11% 838 Profit After Tax before exceptional items 1,654 1,142 45% 858 561 53% 796 8% 2,656 Exceptional Items* - - N.A - - N.A - N.A 15 Profit After Tax 1,654 1,142 45% 858 561 53% 796 8% 2,641
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Other Income 12 (All Figures in ₹ crore) H1'FY27 H1'FY26 YoY Q2'FY27 Q2'FY26 YoY Q1'FY27 QoQ FY26 Loan Assets Processing & Other Fees 719 581 24% 375 319 17% 344 9% 1,299 General Banking, Cross Sell & Deposits related fees 401 380 6% 215 223 -4% 186 15% 871 Credit Card 193 113 71% 94 56 68% 99 -5% 263 Transaction Banking & Forex Income 98 66 49% 51 34 51% 48 7% 149 Miscellaneous 5 4 24% 2 2 15% 3 -23% 7 Core Other Income 1,416 1,145 24% 736 634 16% 680 8% 2,589 Income from Treasury Operations 43 379 -89% 34 79 -57% 9 262% 389 Total Other Income 1,459 1,523 -4% 770 713 8% 689 12% 2,978 Other Income as % of Net Interest Income 26% 36% N.A 27% 33% N.A 26% N.A 33%
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Key ratios 13 Particulars H1'FY27 H1'FY26 Q2'FY27 Q2'FY26 Q1'FY27 FY26 Profitability NIM 5.8% 5.4% 5.8% 5.5% 5.9% 5.7% Gross advance yield 13.7% 14.0% 13.6% 13.9% 13.7% 13.9% Cost of funds 6.44% 6.96% 6.41% 6.83% 6.48% 6.75% Efficiency Cost-to-assets (excl. guarantee premium) 4.0% 4.0% 3.9% 4.0% 4.0% 4.1% Cost to Income ratio (excl. guarantee) 56.7% 55.5% 56.8% 57.2% 56.6% 57.4% Balance sheet CD ratio (excl. refinance) 80% 81% 80% 81% 80% 80% LCR 117% 121% 116% 119% 119% 120% Tier-I ratio 16.8% 18.1% 16.8% 18.1% 17.1% 16.9% CRAR 18.5% 20.0% 18.5% 20.0% 18.9% 18.7% Asset quality GNPA 1.99% 2.41% 1.99% 2.41% 2.10% 2.03% NNPA 0.81% 0.88% 0.81% 0.88% 0.76% 0.74% Credit cost (incl. guarantee premium) 0.8% 1.3% 0.8% 1.2% 0.8% 1.0% PCR (excl. technical w/off) 60% 64% 60% 64% 64% 64% PCR (incl. technical w/off) 83% 84% 83% 84% 85% 85%
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Balance sheet 14 (All Figures in ₹ crore) 30th Sep'26 30th Sep'25 YoY 30th Jun'26 QoQ Liabilities Shareholders Fund 21,810 18,316 19% 20,885 4% Deposits 1,70,460 1,32,509 29% 1,57,727 8% Borrowings 14,239 10,319 38% 13,419 6% Other Liabilities and Provisions 5,295 4,397 20% 5,093 4% Total Liabilities 2,11,804 1,65,542 28% 1,97,125 7% Assets Cash and Bank Balances 10,865 7,305 49% 8,483 28% Investments 47,530 38,382 24% 45,793 4% Advances 1,48,508 1,15,705 28% 1,38,572 7% Fixed Assets 1,543 1,322 17% 1,473 5% Other Assets 3,358 2,828 19% 2,803 20% Total Assets 2,11,804 1,65,542 28% 1,97,125 7% Securitised Assets 3,478 5,352 -35% 3,789 -8% ❑ RWA to Total Assets stands at 59% as on 30th Sep’26
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RoA Tree 15 RoA Tree is computed basis monthly average of total assets RoA Tree % H1'FY27 H1'FY26 Q2'FY27 Q2'FY26 Q1'FY27 FY26 Net Interest Income (NII) 5.5% 5.3% 5.5% 5.3% 5.6% 5.4% Other Income 1.5% 1.9% 1.5% 1.8% 1.4% 1.8% Net Total Income 7.0% 7.2% 6.9% 7.1% 7.1% 7.2% Cost to Assets 4.0% 4.0% 4.0% 4.1% 4.1% 4.2% PPoP 3.0% 3.2% 2.9% 3.0% 3.0% 3.0% Credit Cost 0.7% 1.3% 0.7% 1.2% 0.8% 1.0% PBT 2.2% 1.9% 2.2% 1.8% 2.2% 2.1% Tax 0.6% 0.5% 0.6% 0.4% 0.6% 0.5% PAT/ RoA 1.7% 1.4% 1.7% 1.4% 1.7% 1.6% RoE 15.8% 12.9% 16.1% 12.4% 15.6% 14.2% EPS (₹) 22 15 11 8 11 35 BVPS (₹) 290 245 290 245 279 267
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NPA movement Q2’FY27 Q2’FY26 Q1’FY27 Opening GNPA 2,948 2,751 2,756 Additions during the period* 906 908 798 Less: Recoveries & Write Offs during the period 866 824 605 Closing GNPA 2,988 2,835 2,948 NPA summary Q2’FY27 Q2’FY26 Q1’FY27 Gross NPA 2,988 2,835 2,948 Less: Cumulative Provisions 1,783 1,820 1,889 Net NPA 1,205 1,016 1,060 Gross NPA Ratio 1.99% 2.41% 2.10% Net NPA Ratio 0.81% 0.88% 0.76% Provision Coverage Ratio 83% 84% 85% Provision Coverage Ratio (Excluding technical write-off) 60% 64% 64% Write offs 469 433 240 *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 Figures in ₹ cr ❑ ~8.4% of the gross advances are covered under various government guarantee schemes; CGFMU coverage on MFI book is ~99%, includes portfolio identified for coverage in Q2’FY27 ❑ PCR (excl technical write-off) stands at ~67% post incl. contingency provisions and benefit from portfolio secured under Govt. gtee schemes Asset quality - NPA movement 16
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Particulars Sep’26 Jun’26 Loan Amount Provisions Coverage Loan Amount Provisions Coverage GNPA 2,988 1,742 58% 2,948 1,848 63% Covid related restructuring (Standard) 203 34 17% 217 36 17% Contingency provisions 30 37 Floating provisions 41 41 Stressed and contingencies provisions 3,191 1,846 3,165 1,962 Provisions towards Standard Assets 520 476 Total Provisions 2,367 2,438 Overview of provisions 17 Figures in ₹ cr
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KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK 1 2 3 4 5 18
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Continuous Improvements Focus of investment Our technology strategy 19 Foundation is well built for next phase of growth 99.9%+ Application uptime 200+ Open Banking APIs on APIgee 70% Hybrid-cloud footprint 46 Lac+ Registered users on AU 0101 >95% Total bank transactions done digitally A cloud-native, AI-enabled bank on resilient infrastructure and secure governance Protect the core while improving operating leverage Scale digital adoption and reduce cost-to-serve ❑ DC modernization completed by inhouse team ❑ Cloud-native, API-first architecture ❑ AIOps for real time application and transaction monitoring ❑ AU 0101 App evolution, incl. AU 0101 Business ❑ Digital Customer Onboarding, Engagement and Servicing ~83% Endpoint alerts resolved through automation ~91% Alerts resolved at external surface level Scale AI safely while strengthening risk and governance 35+ Scorecards in Production 100+ AI-enabled engineers 19 Voice AI Agents deployed Create a future-ready, AI – Native Bank Strong foundational pillars Forefront of digital transformation Heavily focusing on AI and tech for next phase of growth Security & regulatory compliance embedded throughout ❑ Unified customer and transaction data foundation for real-time decisioning ❑ Gold Loan agentic LOS Live. 2,500+ Loans disbursed across 40 branches. Being rolled out to 100 branches ❑ AI-powered threat defense ❑ Zero-Trust architecture ❑ Security by design RUN | Resilient Core BUILD | Digital Evolution TRANSFORM | Data, Analytics & AI SECURE | Controlled Execution Already built our tech architecture Make digital primary engagement channel Make trust and control a competitive moatScale AI from use cases to operating model
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Consumer tech: a digital-first storefront on a secure, modern core 19.4 L Monthly active users1 3.02 L Daily active users1 43% MAU /Registered Users stickiness1 92/100 App health score2 AU 0101 and AU 0101 Business carry 80% of service interactions3 AU 0101 | Retail Customers ❑ Unified acquisition, payments, service and cross sell layer ❑ Enhanced UPI, PFM and engagement layer ❑ Video KYC led customer acquisition ❑ Simplified experience and personalization AU 0101 BUSINESS | Business Customers4 ❑ Full stack QR module including acquisition and management ❑ Unified banking, payments and collections platform for businesses ❑ Engagement and business management layer PAYMENTS | Income Stream ❑ Full stack payment suite exposed as APIs for corporates ❑ Scalable UPI issuing and acquiring stack ❑ NETC issuance and acquiring stack ❑ Complete BOU and COU suite Security & Monitoring Secure by design ❑ Real-time monitoring across app, web, UPI and cards ❑ Sub-50 ms transaction scoring for all digital transactions ❑ Comprehensive in-app protection against fraud 20 1. Includes adoption across AU0101, AU0101 Business MB and IB; 2. AU 0101 MB and IB; 3. Including other digital platforms; 4. Available for Individual and Sole Prop, QR for all non-individuals
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Employee tech: one digital workspace to onboard, sell, serve and monitor 60%+ Straight-through onboarding 25K+ Sales Management app users 2 min Four-click personal loan Straight-through onboarding, one sales workspace and automated lead orchestration replace manual handoffs across 25,800 employees ONBOARD | Paperless Onboarding ❑ CASA opening fully digital, with risk checks for mule detection ❑ Predictive models and bundled cross-sell embedded in onboarding Journeys ❑ Wheels, personal loan and Credit cards on Salesforce and FICO ❑ Agentic LOS for mortgage and commercial lending in pipeline SELL & SERVE | Sales Management ❑ One bank-wide workspace; 85%+ of eligible users onboarded ❑ 17 lac leads and 20 lac tasks pushed straight to lending systems ❑ 5.5 lac outbound calls via built-in cloud telephony MONITOR | Control Function, Finance, HR ❑ One platform for Risk, Audit, Compliance and Vigilance ❑ Darwinbox - mobile first HRMS for complete digital lifecycle management of Employee ❑ Finance process digitized including paperless payouts on Oracle Fusion Cross Lead Platform Automated capture, de-dup, routing ❑ 2 Lac+ unique leads captured with real-time funnel visibility ❑ ~5% of total disbursements in Q2’FY27 across 5K+ loans 21
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Data & AI: from one data foundation to measurable business impact ₹500+ cr Incremental loan book, scorecard-led ₹240 cr Annualised incremental card spends 10x PL cross-sell conversion uplift >50% AML alerts auto-closed by ML Data Platform ❑ Lakehouse: single source of truth across core, digital and partner systems, with real-time streaming ❑ Self-serve BI: governed dashboards and query builder replace manual MIS and Excel ❑ Customer 360: one customer view with AI-based summary ❑ Governance: quality, lineage and access controls; DPDP-aligned Cross Sell and Credit Underwriting ❑ Scorecards: 30+ risk and cross-sell models in production ❑ Cards : ₹100 cr + disbursed as Loan on Cards* & ₹120 cr incremental spends through scorecards in H1’FY27 ❑ Personal loans : ₹450 cr+ cross-sell through pre-approved scorecards in Q2’FY27 ❑ Secured lending: Wheels scorecards for Personal Car in production AML & Fraud Analytics ❑ Scorecards: 6 models in production across fraud and AML Monitoring ❑ Acquisition Fraud on CASA book ▪ Overall SVR reduced by 15% in Savings Account onboarding ❑ Transaction Fraud & AML ▪ Auto-resolution of >50% AML alerts ▪ 49% Bad Rate on ML detected mules through MuleHunter.ai on Savings Account Governed by Design Data & AI ❑ Monthly model-monitoring dashboards ❑ Precision, drift and explainability tracked ❑ Full audit trail across the model estate * Includes Smart Loan and Xpress Loan 22
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Six bets - reimagining how we operate Embed AI decisively into the core operating model - deterministic, auditable Agentic AI across customer engagement, lending journeys and enterprise operations Agentic Platform in production – collaboration with Dialoqa & Intellect Deterministic, rule-driven platform for high- speed, personalised engagement with full end-to-end traceability Agentic Framework - Lending LOS ❑ Gold Loan LOS working seamlessly across 40 branches; 2,500+ loans disbursed so far ❑ Extending the agentic framework to Mortgage, Commercial Banking, Wheels, Personal Loan and Credit Card journeys Voice AI - Service & Cross-Sell ❑ Model-agnostic, multilingual voice platform for end-to-end lead management and cross-sell. ❑ 19 Voice Bots deployed; ~₹ 500 cr Loan disbursed YTD through Voice bots ❑ Extended reach at ~50% lower cost observed ❑ Extended bots to few customer servicing use cases as well AI Centre of Excellence ❑ Unify internal talent, global partners and capabilities to identify and scale AI use cases bank-wide ❑ 50+ AI use cases identified ❑ 5 processes planned for deployment in H2’FY27 Developer Productivity ❑ AI coding tools - Codex and Claude Code - to accelerate engineering velocity across teams. ❑ 2 Applications, built end to end through AI, deployed ❑ ~100 engineers onboarded; > 1.5 Lac lines of code generated. More than 3 billion tokens consumed Security for AI & AI for Security Purpose-built controls for AI systems; AI deployed proactively to strengthen the Bank's defense 23
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KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK 1 2 3 4 5 24
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24% 20% 14% 8% 6% 5% 5% 4% 3% 2% 1% 1% 1%1% 4%Maharashtra Rajasthan Delhi Gujarat Haryana Punjab Uttar Pradesh Madhya Pradesh Karnataka Tamil Nadu Himachal Pradesh Telangana West Bengal Kerala Others 25% 16% 12% 12% 5% 5% 5% 4% 3% 3% 3% 2% 2% 3% Rajasthan Maharashtra Madhya Pradesh Gujarat Delhi Haryana Punjab Uttar Pradesh Telangana Karnataka Andhra Pradesh Chhattisgarh Tamil Nadu Other Market share is calculated on figures available in RBI weekly supplement data as on 30th Sep’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 classification) Gross Loan Portfolio (GLP)Deposits 0.7% Market Share 0.6% Market Share % Share in Deposits GLP Core markets 16% 61% Urban markets 84% 39% Total 100% 100% Garnering deposits from Urban markets and disbursing in Core markets Geographic diversification - Distribution of deposits & advances 25 All figures are as on 30th Sep’26
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Distribution - Pan-India geographic presence Map is for representative purpose only; highlighted purple ( ) states & UT’s represent the presence of AU’s physical touchpoint 07 68 07 80 505 303 271 268 04 129 76 171 03 287 256 43 51 24 72 196 02 204 54 06 16 Our Touchpoints 766 Branches 1,372 Asset Centres 965 BO + BC + Unbanked Net 183 Touchpoints added in Q2’FY27 10 States with more than 100 touchpoints West 19% Central 17% East 11% South 30% North 24% 21 States and 4 UTs 3,103 Touchpoints 526 Districts 558 Urban Branches 820 ATMs Local sourcing and collections Urban deposit gathering Cross-sell into former Fincare markets National asset-product expansion Brand and consumer trust 26
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7.6 7.4 9.4 8.5 11.7 31.4 32.5 34.0 36.9 38.6 88.2 92.7 103.2 106.0 114.1 5.3 5.8 6.1 6.4 6.0 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 CA SA TD COD Daily average CASA Deposits - Book snapshot 27 Total deposits Deposit mix 132.5 138.4 152.7 (₹ in ‘000 crore) CASA ratio & Stable deposit* ratio Complete product bouquet across channels Ivy, Eternity, Royale, Platinum - Banking programs for SA and CA accounts Segmented offering NRI, TASC, Video Banking, Enterprise Salary Branch bkg. channels Payments, QR, Insurance, Wealth solutions, Transaction Banking, Trade and Forex Cross sell products Credit card, Personal loans and OD products Unsecured credit Housing Loan, Car Loan, Business Loan & Working Capital Secured loans Government & inter- bank, Wholesale, NBFC & FIG Other channels Note: *Stable deposit % includes (CASA + Retail TD + non-callable bulk TD) / Total Deposits 157.7 (₹ in ‘000 crore)170.5 79% 80% 79% 79% 79% 29% 29% 28% 29% 30% Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Stable Deposit % CASA % 5.6 5.9 6.5 7.0 9.0 30.9 31.0 33.2 34.8 38.4 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 CA SA
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Deposits - Strong and granular liability franchise Branch Banking Liability franchise structured across complementary verticals Commercial & Institutional Banking ~61% Deposit share ~39% Deposit share* Strengthening retail franchise Pan India branch network Customer segment driven approach Focus on Current Account Stable wholesale deposits Target Specialized Segments Full Product suite and customer service orientation NRI, Senior citizens, Housewives, Enterprise Salary, TASC Solution-led engagement (Transaction Banking, CMS, Trade & Forex) Focus on non-callable wholesale deposits Government, FIG & Capital markets, Wholesale, Co-operative 766 Liability Branches 558 Urban Branches Note *including Certificate of Deposit 28 CASA ratio (%) Competitive funding with wider deposit pools Granular and stable liability franchise Cost of Funds (%) CD Ratio (%) Focus on deposit led growth 168% 117% 103% 96% 88% 84% 84% 86% 88% 87% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 27% 18% 14% 23% 37% 38% 33% 29% 28% 30% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 8.4% 7.9% 7.7% 6.8% 5.9% 6.0% 6.8% 7.1% 6.7% 6.4% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27
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Deposits - Building a scalable deposit franchise is a continuous journey ~100 Liability branches (planned to be added annually) • Focus on high potential Tier I & metro markets (Top 20-30 cities) • Enhancing local presence and customer trust Comprehensive life cycle banking requirements • Differentiated products ; Tailored proposition • Expanding cross sell ecosystem via integrations Targeted go-to-market approach • Structured sales capability framework to improve productivity • Enablers to support sales effectiveness Enhance brand • Improved brand recall across markets • Deeper regional engagement Phygital and Omnichannel approach • Leverage data analytics and AI-led innovations • Consistent communication touchpoint Strategic initiatives to drive deposits growth Key opportunities and levers Greater brand acceptance upon potential transition to Universal Banking Opportunity to expand government banking franchise through agency banking & tax payments Greater market acceptance for our existing Trade and FX offerings – Cross border and GIFT city Continued investment in tech and AI-led enablement Leverage Customer 360, analytics and contextual cross-sell to improve customer engagement 29 Improving granularity and mix → Stronger funding resilience → Scalable balance-sheet growth
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₹ in cr 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 Asset book snapshot 30 ❑ Gross Loan Portfolio (GLP) includes securitised/ assigned/ IBPC loan book (off book) of ₹3,478 cr in Q2’FY27 (vs ₹5,352 cr in Q2’FY26 and ₹3,789 cr in Q1’FY27) mostly from Wheels and MSME ❑ *99% of MFI book (part of Inclusive banking) is covered under CGFMU guarantee Segments Q2'FY27 Q2'FY26 YoY Growth Q1'FY27 QoQ GrowthGLP GA Yield (%) Gross NPA (%) GLP GA Yield (%) Gross NPA (%) GLP GA Yield (%) Gross NPA (%) Retail Secured Assets 1,00,849 14.1% 2.4% 82,735 14.4% 2.7% 21.9% 96,485 14.2% 2.4% 4.5% Commercial Banking 35,356 10.3% 0.9% 25,446 10.6% 1.0% 38.9% 32,789 10.3% 0.9% 7.8% Inclusive Banking 7,933* 25.2% 3.3% 6,458 25.1% 4.6% 22.8% 7,488 25.2% 3.6% 5.9% Digital Unsecured 3,575 14.2% 1.9% 2,907 15.0% 5.7% 23.0% 3,145 14.5% 3.5% 13.7% Others & SME 6,056 7.8% 0.1% 5,331 7.7% 0.2% 13.6% 4,343 7.9% 0.4% 39.4% Total 1,53,769 13.6% 1.99% 1,22,877 13.9% 2.41% 25.1% 1,44,250 13.7% 2.10% 6.6%
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Breakdown of customer assets – additional disclosure 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 ❑ Retail Banking verticals forms 73% and Commercial Banking verticals forms 23% of total loan assets (All figures in ₹ crore) 30th Sep'26 30th Sep'25 YoY 30th Jun'26 QoQ Consumer Assets 68,851 59,560 16% 65,974 4% - Mortgages1 44,359 39,755 12% 43,318 2% - Auto (Cars, 2W) 20,917 16,898 24% 19,511 7% - Credit Cards 2,399 2,258 6% 2,248 7% - PL, BL 1,176 649 81% 896 31% Commercial Assets 60,229 44,530 35% 56,216 7% - Commercial Vehicles (CV/CE/3W/Taxi) 24,873 19,085 30% 23,427 6% - Business Banking (MSME) 19,908 15,908 25% 18,727 6% - EE&FI 6,246 4,107 52% 5,777 8% - REG 5,582 3,754 49% 5,233 7% - Renewable Energy 3,620 1,677 116% 3,052 19% Rural Assets 18,633 13,456 38% 17,716 5% - MFI3 7,933 6,458 23% 7,488 6% - Tractor finance 5,963 4,651 28% 5,681 5% - Gold loan 4,737 2,347 102% 4,547 4% Others2 6,056 5,331 14% 4,343 39% Total GLP 1,53,769 1,22,877 25% 1,44,250 7% Credit substitutes 960 760 26% 1,010 -5% Total customer assets 1,54,729 1,23,637 25% 1,45,260 7% Retail Retail Retail Retail Retail Retail Retail Retail Commercial Commercial Commercial Commercial
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KEY UPDATE FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK 1 2 3 4 5 32
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❑ 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 ❑ 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 (3,100+ 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 31% respectively, with avg RoA of 1.6% and avg RoE of 14.2% from FY18 to FY26 ❑ 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 and half years, AU has evolved into India’s largest SFB with strong governance and risk management track record AU SFB: Scaled, profitable, with ‘in-principle’ approval for Universal Bank ❑ 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 33 ❑ 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 Right to Win : Customer insight × Distribution × Digital × UB transition (in-principle approval) 45% Deposit CAGR | 31% Loan CAGR | 1.6% RoA | 14.2% RoE | >90% Secured Book
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Metric FY18 Sep’26 Multiple Customer base 7.5 Lacs 128 lac+ 17.1× Deposits ₹7,923 cr ₹1,70,460 cr 21.5× Gross loan portfolio ₹16,256 cr ₹1,53,769 cr 9.5× Shareholders’ funds ₹2,281 cr ₹21,810 cr 9.6× Total assets ₹18,833 cr ₹ 2,11,804 cr 11.2× Profit after tax ₹292 cr ₹3,153 cr* 10.8× Employees 11,151 60,947 5.5× Touchpoints 474 3,103 6.5× EPS ₹5 ₹42* 8.2× BVPS ₹40 ₹290 7.3× Long-term performance trajectory remains strong 2017 202420211996 2025 Started as a vehicle financier Commenced operations as an SFB Acquired Fincare SFB In-principle approval for Universal Bank Launched Digital Bank, video banking and Credit cards 34 2026 Advancing towards becoming an AI- powered bank *PAT and EPS is calculated for Trailing 12 months
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5 7 11 19 18 22 24 28 35 22 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 0.3 0.4 0.6 0.6 1.1 1.4 1.6 2.1 2.6 1.7 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 0.9 1.3 1.9 2.4 3.2 4.4 5.2 8.0 9.1 5.5 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 8 19 26 36 53 69 87 124 153 170 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 16 24 31 38 48 64 82 116 140 154 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 19 33 42 52 69 90 109 158 192 212 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 Net interest income 33% PAT* 32% ₹ in 000 cr *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; CAGR growth is calculated till FY26 EPS in ₹* 28% Deposit Total assetsGross Loan Portfolio 45% 31% 34% With consistent and strong execution track record…. 35
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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% Asset quality profile Cross cycle average RoA of ~1.6% and average RoE of ~14.2% for 9 years RoA profile* RoE profile* Pre provision profit (PPoP) & Credit cost on Avg Total assets ……In a healthy and profitable way 36 2.0% 2.0% 1.7% 4.3% 2.0% 1.7% 1.7% 2.3% 2.0% 2.0% 1.3% 1.3% 0.8% 2.2% 0.5% 0.4% 0.5% 0.7% 0.7% 0.8% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 GNPA NNPA 3.7% 2.7% 2.9% 3.1% 3.0% 2.5% 2.5% 3.3% 3.0% 3.0% 0.6% 0.4% 0.7% 1.4% 0.6% 0.2% 0.4% 1.3% 1.0% 0.7% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 PPoP Credit Cost 13.7% 14.0% 15.8% 12.0% 16.4% 15.4% 13.5% 13.1% 14.2% 15.8% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27 2.0% 1.5% 1.6% 1.3% 1.9% 1.8% 1.6% 1.5% 1.6% 1.7% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1'27
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Life Health Motor, Fire & General Loan Protection Asset Protection SME Employee Benefit Insurance Solutions - With 16 Partners Current Account Savings Account Term Deposit Green Deposit FCNR (B) Deposits Premium Banking Programs Retail FX UPI QR Fastag Wheels Micro Business loan MFI Home loan Gold loan Credit Card Personal loan Tractor loan Overdraft Working Cap. Loans Business Loans Real Estate Group EE&FI Funding Renewable Funding Non-fund Facilities Trade and Forex Transaction Banking Escrow Services Diversified Asset Products Digital Channels Third Party Products INSURANCE Mutual Fund ASBA/IPO 3 in 1 Broking Services PMS, AIF, Bonds, NPS REIT/INVIT International & Unlisted Shares Gift City based Investment DEPOSITS RETAIL ASSETS COMMERCIAL ASSETS Deposit Franchise WEALTH Video Banking AU0101 Whatsapp Banking Chat Bot IVR AU 0101 Business Merchant App Full-suite of products with digital capabilities 37 AI Bot
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16.6 (Low Risk) (CSA) 47 Included in Emerging Indices 73 (Strong) 80.4 (Low ESG Risk) Infrastructure Bonds Subordinated Debt/ Tier II Bonds Credit Ratings AA/Stable AA/Positive CRISIL/ CARE ICRA AA/Positive ICRA ESG Ratings Fixed Deposits AA+/Stable CRISIL External ratings 38 FTSE4Good Short Term A1+ CRISIL/ CARE/ India Ratings AA/Stable CARE
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Sustainability Initiatives Board Level CSR & Sustainability Committee Providing Board-level oversight on sustainability strategy and governance Management Level Sustainability Steering Committee Ensures ESG embedded into core business processes and decision-making Execution Level Core Sustainability Team Translates strategic priorities into measurable sustainability actions ESG Governance Structure Robust Governance: Policies & Frameworks Sustainability Policy Integrates ESG across strategy, governance, operations, culture and decision-making Sustainable Finance Framework Enables financing of eligible green and social projects through a structured governance framework Sustainable Procurement Guideline Strengthening responsible sourcing through supplier assessments, and capacity building Green Deposit & Assets Renewable Energy ● Financing solar projects Clean Transportation ● Supporting electric vehicle adoption Green Building ● Financing certified green buildings Impact Report Impact Report Environment Sustainability Initiatives 5,000+ saplings planted across 21 states & 4 UTs Aligned with ‘Ek Ped Maa Ke Naam 3.0’ , 12,000 seed paper certificates distributed under Van Mahotsav Climate Risk ● Partnered with IFC for Climate Risk Assessments, and financed emissions calculations ● Project supported by the Government of Japan Independent Director Mr. Satyajit Dwivedi leads plantation drive in Sri Sri University, Bhubaneswar ₹3,280 Cr+ raised Green Fixed Deposits 31,800+ accounts opened | as on 30th September 2026 Moody's Second Party Opinion SQS2 (Very Good) Sustainability Quality Score on Sustainable Finance Framework. Green Fixed Deposit Policy Mobilizing customer deposits to finance verified green projects responsibly, supported by updated independent Second Party Opinion from CRISIL
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Financial & Digital Inclusion ₹ Access Highlights 23,700+ Financial Literacy Camps Organized at rural branches ~32% Touchpoints in Unbanked Rural Centres 997 touchpoints 118 Special Focus Districts* covering 728 touchpoints District Coverage Breakdown 50 Aspirational Districts 16 Hill State Districts 51 LWE Affected Districts1 NE Region District ₹123 cr+ Direct Benefit Transfer Received in Aadhaar seeded BSBD accounts ^Microfinance Loan figures include loans under PM SVANidhi, PM Vishwakarma, IGUCCY and MUDRA schemes. Out of total Microfinance Loans, 24.5 lac+ accounts pertain to MUDRA loans Products (Active) Count (as on 30 Sept 2026) BSBD Accounts 5.8 lac+ MUDRA Loans^ 27.1 lac+ PM Jeevan Jyoti Bima Yojna (PMJJBY) 1.09 lac+ PM Suraksha Bima Yojna (PMSBY) 1.8 lac+ Atal Pension Yojna (APY) 1.9 lac+ Shakti Accounts 44.8 lac+ Microfinance Loans^ 32.8 lac+ *The list is prepared taking cognizance of special focus districts classified by NABARD (dated 2023), MYMSME, NFDB & NITI AAYOG Financial Products 40
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Mr. Sanjay Agarwal Founder, MD & CEO 30+ years of experience EY Entrepreneur of the Year Award 2018; Business Leader of the Year, ICAI Awards, 2017 Mr. Vivek Tripathi Executive Director 25+ years of experience Associated with the Bank for more than 12 years Executive Directors Mr. J M Prasad Independent Director 30+ years of experience Former Chief of HR at ING Vysya Bank and Kotak Mahindra Old Mutual Life Insurance Mr. H R Khan Part-Time Chairman & Independent Director 46+ years of experience Former Deputy Governor of RBI Served on Boards of Several Banks & regulatory Bodies including NHB & NABARD etc. Mr. Kamlesh Vikamsey Independent Director 42+ years of experience, Senior Partner, KKC & Associates LLP Chairperson (IAOC) - World Intellectual Property Organization(WIPO) Former Chairman - Audit Advisory Committee, UNICEF Ms. Malini Thadani Independent Director 40+ years of experience Former Head of Corporate Sustainability, Asia at HSBC Held leadership positions at Indian Revenue Service Mr. Nandkumar Saravade Independent Director 36+ years of experience Former CEO at ReBIT and Data Security Council of India Former MD & CEO – Nabkisan, Former CGM – NABARD, Former CEO – NCFE (Promoted by RBI, SEBI and IRDAI), Faculty at CAB Mr. Satyajit Dwivedi Independent Director 35+ years of experience Former ED & CFO, IDBI Bank; CEO, AMFI; Chairman, FIMMDA; Member, FEDAI Mr. N S Venkatesh Independent Director 40+ years of experience Mr. Phani Shankar Independent Director 30+ years of experience Former Chief Credit Officer at Kotak Mahindra Bank, Former Director Kotak Mahindra Investments Ltd. and Kotak Infrastructure Debt Fund Board of Directors 41
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Promoter & Promoter Group Foreign Holding Foreign holding 36% Domestic holding 64% Note: % is calculated on total paid up capital, Shareholding pattern as on 30th Sep’26 6.5% 1.7% 22.7% 32.8% KMP , Director & their relatives (Excluding Independent Director) 36.3% Domestic Institution (Mutual Funds, Insurance, AIF and Others) 0.06% Others Individuals Domestic Shareholding pattern 42
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Awards and recognition 43 “BFSI Guild Award” Excellence in Voice AI-Powered Customer Acquisition in Banking Asia's Best Workplaces 2026 Ranked# 54 (large Category) Great Place to Work® Asia 2026 At ASSOCHAM 21st Annual Summit & Awards on Banking & Financial Sector Lending Companies “Overall Performance - Bank” - SFB Category
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CSR Initiatives (1/2) 44 AU Ignite: Till Q2’FY27, 37,700+ youth got trained in 10 centers across 6 districts of Rajasthan; 28,200+ have been linked to employment ❑ 1,185 youth trained; 743 employed in Q2’FY27 ❑ 24 Workshop and events | 84 Guest sessions| 113 Kaushal connect|58 Exposure visits ❑ AU Yashotsav -Excellence Awards 2026: Felicitated 72 outstanding beneficiaries across Skill Excellence, Bano Champion, and AU Udyogini program, recognizing their achievements, resilience, and entrepreneurial spirit ❑ 2,000+ students are being educated via 90 AU Study Centers across remote villages of 7 states through the year AU Udyogini: As on date, total 6,342 women are nurtured and 4,238+ empowered under Individual Women Entrepreneurship initiative with a presence in 1,050+ villages and hamlets across 29 districts of Rajasthan and Madhya Pradesh including 5 aspirational districts ❑ New stitching and tailoring training center of Nirjhari launched in Jaipur, a collective enterprise initiative ❑ AU Foundation has been felicitated by the Government of Rajasthan, Department of Agriculture in recognition of its impactful contribution towards empowering women farmers in the Sambhar region ❑ 312 new individual women entrepreneurs’ shops launched Highlights of Q2’FY27 Highlights of Q2’FY27 AU Yashotsav- Excellence Awards 1.0 AU Udyogini: Convocation ceremony of Nirjhari artisans
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CSR Initiatives (2/2) 45 AU Bano Champion: Active at 70+ locations across Rajasthan, 6,000 kids & youths regularly training across 7 sports disciplines. Achievements: 100 National, 700+ State, and 1,900+ District-level medals ❑ Won 9 National, 70+ State and 600+ District-level medals ❑ Organized the 6th edition of Village Level Tournament on 1st & 2nd August 2026 across 66 locations with more than 30,000 athletes ❑ Nikhil, an athlete from Jhunjhunu participated at the U18 SGFI event held in Shuang Luo, China, from 1 st July to 10th July 2026 ❑ 7 Weekend Leagues, 2 Zonal Weekend Leagues, 2 Athletics Meet conducted AU Kartavya: Till Q2’FY27, 1,613 health checkup camps , 370+ Jal Bank, 16 open air gyms, 34 police booths, Infrastructure development in 28 educational institutions, flood relief to 7,529+ families ❑ Under Healthcare program, reached 1,000+ beneficiaries through the Menstrual Health & Hygiene Initiative, with each beneficiary receiving a reusable sanitary pad kit designed for up to two years of use ❑ Supported the “Food for Life” initiative through a dedicated vehicle for distributing food to underserved communities and disaster-affected individuals ❑ Under Environment & Sustainability, completed the restoration of Medavakkam Lake, with the formal handover to the government Highlights of Q2’FY27 Highlights of Q2’FY27 AU Bano Champion : Athletes & Coaches at the Weekend League AU Kartavya: Women participated at a menstrual hygiene camp
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Sustainability ReportAnnual Report FY26 AU Insights *Analyst day presentation - Mar’24 For further information about the bank - Scan to Download 46 *presentations providing detailed insights into the working of key business groups
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For Investor queries contact (details in QR Code): Mr. Prince Tiwari Email: investorrelations@aubank.in