In continuation to our disclosure for unaudited financial results of the Bank for the quarter and half year ended on September 30, 2026, we submit herewith the Press Release on the same. The Press Release may also be accessed on website of the Bank at following link: https://www.au.bank.in/investors/quarterly-reports.

Ref. No.: AUSFB/SEC/2026-27/276 Date: October 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, 974093, 974094, 974095, 974914, 974963, 975017, 975038 & 976580 Dear Sir/Madam, Sub: Press Release on unaudited financial results of AU Small Finance Bank Limited for the quarter and half year ended on September 30, 2026 Ref: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our disclosure for unaudited financial results of the Bank for the quarter and half year ended on September 30, 2026, we submit herewith the Press Release on the same. The Press Release may also be accessed on website of the Bank at following link: https://www.au.bank.in/investors/quarterly-reports. 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 Encl: As above investorrelations@aubank.in AU Small Finance Bank Limited Head Office - CP3-232, Industrial Area, Apparel Park, Jagatpura, Jaipur, Rajasthan, 302022 Corporate Office - 5th Floor, E-Wing, Kanakia Zillion, LBS road, Kurla West, Mumbai, Maharashtra, 400070 Website – www.au.bank.in For Immediate Release AU Small Finance Bank Announces Q2’FY27 & H1’FY27 Financial Results Strong all-round performance: Profit up 53%, Deposits grow 29%, Loans grow 25% Q2’FY27: Core PPoP grew 31% YoY to ₹1,480 cr and PAT grew 53% YoY to ₹858 cr RoA stood at 1.7% and RoE at 16.1% H1’FY27: Core PPoP grew 36% YoY to ₹2,906 cr and PAT grew 45% YoY to ₹1,654 cr RoA stood at 1.7% and RoE at 15.8% Key financial highlights for Q2’FY27 o Net Interest Margin increased by 33 bps YoY to 5.8% in Q2’FY27 from 5.5% in Q2’FY26 o Cost of Funds (CoF) declined by 43 bps YoY to 6.41% in Q2’FY27 from 6.83% in Q2’FY26 o Net Interest Income (NII) grew by 32% YoY to ₹2,820 cr compared to ₹2,144 cr in Q2’FY26 o Core other income grew by 16% YoY to ₹736 cr compared to ₹634 cr in Q2’FY26 driven by fees from credit card and transaction banking o Credit cost (Including guarantee premium) declined by 45 bps YoY from 1.2% to 0.8% o PAT grew 53% YoY to ₹858 cr, with annualised RoA of 1.7% and RoE of 16.1% o Deposit book stands at ₹1,70,460 cr registering YoY growth of 28.6% which was nearly 1.6x of the system growth o CASA deposits stand at ₹50,289 cr, up 29% YoY and 11% QoQ; CASA ratio at 29.5% o Gross loan portfolio (GLP) stands at ₹1,53,769 cr, registering a YoY growth of 25.1% which was nearly 1.3x of the system growth; Gross advances at ₹1,50,291 cr, up 27.9% YoY o GNPA ratio improved by 42 bps YoY to 1.99%; NNPA ratio improved by 7 bps to 0.81%; PCR at 83% including technical write-off o Strengthened leadership team further with the appointment of Mr. Anil Agarwal as Senior Executive Group Head – Commercial & Institutional Banking. He will lead Commercial and Institutional Banking, encompassing lending, transaction banking and funding solutions across key institutional and commercial segments o Mr. Amol Padhye formally assumed role of Chief Risk Officer, and will help to further strengthen enterprise-wide risk governance, regulatory readiness and risk management frameworks o During the quarter, bank added net 183 touchpoints including 45 new liability branches and 100+ asset centres across the country o Bank now has total 128 lac+ customers; serves them through a total 3,103 touchpoints across 21 states and 4 UTs with total strength of ~61K employees o ICRA Ratings upgraded Bank’s long-term credit rating outlook to Positive from Stable, while re- affirming our long-term rating at AA Jaipur/Mumbai | 24th Oct 2026: The Board of Directors of AU Small Finance Bank Limited at its meeting held today, approved the financial results for the quarter and half year ended September 30, 2026. Q2’FY27/H1’FY27 results release | Page 1 AU Small Finance Bank Limited Head Office - CP3-232, Industrial Area, Apparel Park, Jagatpura, Jaipur, Rajasthan, 302022 Corporate Office - 5th Floor, E-Wing, Kanakia Zillion, LBS road, Kurla West, Mumbai, Maharashtra, 400070 Website – www.au.bank.in Executive Summary Q2’FY27 unfolded against a dynamic geopolitical and macroeconomic backdrop, supported by resilient domestic demand, improving consumption and sustained economic activity. The operating environment continued to evolve, shaped by changing monetary and liquidity conditions, even as competitive intensity across lending and deposits remained elevated. Consumer sentiment remained constructive, supported by onset of festive season, while business activity stayed healthy across key markets. Regulatory focus remained centred on governance, customer protection, responsible lending and operational resilience. Meanwhile, accelerating digital adoption and advancements in technology and AI continued to reshape customer engagement and operating model, opening new avenues for efficiency, innovation and sustainable growth. In this environment, AU Small Finance Bank delivered a strong performance while remaining focused on deepening customer relationships, strengthening its deposit and liability franchise, building technology-led capabilities and leveraging AI. The Bank maintained a disciplined approach to growth, profitability and asset quality while delivering consistent performance across key business parameters, as highlighted below: Performance at a glance (Q2’FY27): Profitability o NII grew by 32% YoY to ₹2,820 cr from ₹2,144 cr in Q2’FY26 o NIM, calculated on daily avg. of interest earning assets incl. off book, improved by 33 bps to 5.8% (vs. 5.5% in Q2’FY26) led by ▪ Cost of funds improvement of 43 bps YoY to 6.41% (vs. 6.83% in Q2’FY26) ▪ 27 bps YoY decline in gross Advance yields due to change in mix o Core other income grew by 16% YoY to ₹736 cr compared to ₹634 cr in Q2’FY26 driven by business growth, higher issuances in credit cards and fee from transaction banking o Total Opex at ₹2,077 cr grew by 26% YoY from ₹1,647 cr in Q2’FY26 tracking business growth o Cost to assets (excluding guarantee premium) declined by 10 bps to 3.9% in Q2’FY27 from 4.0% in Q2’FY26 o The Bank’s core pre-provisioning operating profit (PPoP) for Q2’FY27 grew by 31% YoY to ₹1,480 crore compared to ₹1,131 crore in Q2’FY26 o Net Provisions for the quarter declined by 25% YoY to ₹359 cr from ₹481 cr in Q2’FY26 o Annualised credit cost (including guarantee premium) improved by 45 bps to 0.8% in Q2’FY27 from 1.2% in Q2’FY26 o PAT at ₹858 cr was up 53% YoY compared to ₹561 cr in Q2’FY26 o Return on Asset (ROA) and Return on Equity (ROE) for Q2’FY27 stood at 1.7% and 16.1% respectively compared to 1.4% and 12.4% in Q2’FY26 Balance Sheet o Total deposits grew 28.6% YoY and 8.1% QoQ to ₹1,70,460 cr, from ₹1,32,509 cr in Q2’FY26 and ₹1,57,727 cr in Q1’FY27 ▪ CASA deposits grew 29.1% YoY and 10.8% QoQ to ₹50,289 Cr, from ₹38,963 cr in Q2’FY26 and ₹45,399 cr in Q1’FY27 ▪ Current account deposits have grown by 55% YoY to ₹11,693 cr from ₹7,562 cr in Q2’FY26 whereas Savings deposits have grown by 23% YoY to ₹38,595 cr from ₹31,401 cr in Q2’FY26 ▪ Stable deposits (CASA + Retail TD + Non-callable Bulk TD) form 79% of total deposits o Gross loan portfolio stood at ₹1,53,769 cr, registering a YoY growth of 25.1% from ₹1,22,877 cr and QoQ growth of 6.6% from ₹1,44,250 cr in Jun’26 ▪ Gross advances stood at ₹1,50,291 cr, up 27.9% YoY from ₹1,17,525 cr and 7.0% QoQ from ₹1,40,461 cr ▪ Secured loan portfolio (Retail + Commercial) grew by 25.9% YoY in Q2’FY27 Q2’FY27/H1’FY27 results release | Page 2 AU Small Finance Bank Limited Head Office - CP3-232, Industrial Area, Apparel Park, Jagatpura, Jaipur, Rajasthan, 302022 Corporate Office - 5th Floor, E-Wing, Kanakia Zillion, LBS road, Kurla West, Mumbai, Maharashtra, 400070 Website – www.au.b [Showing first 8,000 characters — download PDF for full document]