Investor Presentation

Ref. No.: AUSFB/SEC/2026-27/243 Date: September 24, 2026 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 Dear Sir/Madam, Sub: Investor Presentation Ref: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our intimation for Analysts / Institutional Investors Meet vide letter dated September 21, 2026, we submit herewith the investor presentation for the Group Meeting organised by ICICI Securities on September 24, 2026. The Investors Presentation may also be accessed on the website of the Bank at following link: https://www.au.bank.in/stock-exchange-disclosures. 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 CIO Roundtable Hosted by ICICI Securities Sept 24, 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. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner. This presentation does not constitute 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. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results. This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions. 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, 2018, 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 Investor Presentation based on Management estimates. We will cover…. ➢ AU’s strong execution track record and sustainable business model ▪ Scaled our core businesses and added newer products and segments ➢ Strategy to sustain growth in both deposits and assets ▪ We are investing in Distribution, Technology and Brand ▪ Benefits from potential transition to Universal Banking (UB) esp. to deposit franchise ➢ A brief overview of AU’s Tech strategy Consistent and strong track-record of growth while maintaining margins Deposits Gross Loan Portfolio in ₹ ‘000 cr. in ₹ ‘000 cr. 158 180 140 144 160 45% 31% 160 140 CAGR (FY18-26) 124 140 CAGR (FY18-26) Robust 82 100 Business 69 64 80 53 48 Growth 36 60 31 38 60 19 26 40 16 24 40 20 20 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 NII NII and PPoP1 (% of Avg. Total Assets2) in ₹ ‘000 cr. 33% 10 8.0 9 CAGR (FY18-26) 8 6.6% Strong NII growth 5.2 67 5.2% 5.1% 5.0% 5.4% 5.6% 5.2% 5.8% 5.4% 5.6% supported 3.2 2.7 4 by stable 1.9 2.0 3 3.7% margins 0.9 1.3 2 2.7% 2.9% 3.1% 3.0% 2.5% 2.5% 3.3% 3.0% 3.0% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY26 Q1FY27 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 NII % PPoP % Note Q1FY7 ratios are annualised ; 1 Recovery of bad debts has been reclassified from ‘Other Income’ to ‘Provisions and contingencies’. Accordingly, the figures for FY 2023-24 have been reclassified ; 2 Average asset calculation from FY 2024-25 is on a monthly basis Robust asset quality & profitability across cycles GNPA and NNPA (%) Credit Costs (% of Avg. Total Assets2) 4.3% GNPA (%) NNPA (%) 9 yr avg is ~0.7 bps 1.4% Stable 1.3% 2.3% 2.0% 2.0% 2.0% 2.0% 2.1% 1.0% Asset 1.7% 1.7% 1.7% 0.8% 0.7% Quality 0.6% 0.6% 2.2% 0.5% 0.7% 0.7% 0.8% 0.4% 0.4% 0.4% 0.5% 0.2% 1.3% 1.3% 0.8% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 PAT1 RoA1,2 and RoE1 (%) in ₹ ‘000 cr. 9 yr avg RoA of ~1.6%; RoE of ~14.4% 32% 2.6 3 CAGR (FY18-26) 2.1 3 15.8% 16.4% 15.4% 15.6% 1.6 2 13.7% 14.0% 12.0% 13.5% 13.1% 14.2% Cross cycle 1.1 2 performance 0.6 0.6 0.6 0.8 1 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 Q1FY26 Q1FY27 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 Macro Demon. NBFC Bank Global Ukraine Inflation, regulatory Tariff West Asia RoA RoE Events and GST Crisis Crisis Pandemic War tightening and Trade Conflict Note 1 Excluding exceptional items - Profit from stake sale in Aavas in FY20 and FY21 and Fincare merger expenses (stamp duty and transaction expenses) in FY24 ; 2 Average asset calculation from FY 2024-25 is on a monthly basis 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 R [Showing first 8,000 characters — download PDF for full document]