In continuation to our intimation for conference call vide letter dated October 12, 2026, we submit herewith Investors Presentation on unaudited financial results of the Bank for quarter and half year ended on September 30, 2026.

Ref. No.: AUSFB/SEC/2026-27/277 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: Presentation to Investors 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 intimation for conference call vide letter dated October 12, 2026, we submit herewith Investors Presentation on unaudited financial results of the Bank for quarter and half year ended on September 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 Encl: As above investorrelations@aubank.in Q2’FY27 Earnings presentation 24th October 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, 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. 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. 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As a recipient or reader of this document, you agree that you will not at any time have any discussion, correspondence or contact concerning the information in this document with any of the directors or employees of the Bank nor with any of their customers or suppliers, or any governmental or regulatory body without the prior written consent of the Bank. Any failure to comply with these restrictions may constitute a violation of applicable securities laws. Further, you may not repackage or sell this presentation. 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. KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK KEY UPDATES FINANCIAL HIGHLIGHTS AI & TECH UPDATE BUSINESS UPDATE ABOUT AU SMALL FINANCE BANK Q2’FY27 – Consistently delivering across parameters ❑ Deposits grew 29% YoY (8% QoQ) to ~₹1.70 lac cr vs. ~18% estimated growth in banking sector Deposits ▪ 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% ❑ Loans grew 25% YoY (7% QoQ) to ₹1.54 lac cr vs. ~19% estimated growth in banking sector Gross loan ▪ Disbursement grew 33% YoY and 12% QoQ driven by broad-based growth across businesses portfolio ▪ Secured business (Retail + Commercial) grew 26% YoY and 5% QoQ; Unsecured business grew 23% YoY and 8% QoQ Operating ❑ Cost-to-assets (ex guarantee premium) at 3.9% compared to 4.0% in Q2’FY26 efficiency ▪ Improvement despite strong busines [Showing first 8,000 characters — download PDF for full document]