Press Release

Ref. No.: AUSFB/SEC/2026-27/153 Date: July 25, 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 ended on June 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 ended on June 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 investorrelations@aubank.in Encl: As above investorrelations@aubank.in AU Small Finance Bank Limited Head Office - CP3-235, Industrial Area, Apparel Park, Jagatpura, Jaipur, Rajasthan, 302022 Corpo rate Office - 5th Floor, E-Wing, Kanakia Zillion, LBS road, Kurla West, Mumbai, Maharashtra, 400070 Webs ite – www.au.bank.in For Immediate Release AU Small Finance Bank Announces Q1’FY27 Financial Results Strong operating performance with sustained growth across deposits and loans Profit grows 37% YoY to ₹796 cr, NII up 32% YoY to ₹2,695 cr Deposits grow 24% YoY to ₹1.58 lac cr; Loans grow 23% YoY to ₹1.44 lac cr Annualised RoA and RoE at 1.7% and 15.6% respectively Key financial highlights for Q1’FY27 • Net Interest Income (NII) grew 32% YoY to ₹2,695 cr • Net Interest Margin (NIM) stood at 5.9%, expanding by 47 bps YoY • Core other income (excluding treasury income) grew 33% YoY to ₹680 cr • Operating expenses stood at ₹1,949 cr, up 26% YoY • Pre-provisioning operating profit (PPoP) increased 9% YoY to ₹1,435 cr; Core PPoP (excluding treasury income) increased 41% YoY to ₹1,426 cr • Provisions declined 30% YoY to ₹371 cr; includes additional one-time provision of ₹23 cr from further strengthening of provisioning policy for MFI, PL/BL, Two-wheeler and EEFI businesses • Profit After Tax (PAT) grew 37% YoY to ₹796 cr • Annualized RoA was 1.7% and RoE was 15.6% • Total deposits grew 24% YoY and 3% QoQ to ₹1,57,727 cr o CASA deposits grew 22% YoY and 5% QoQ, with CASA ratio at 29% • Gross loan portfolio grew 23% YoY and 3% QoQ to ₹1,44,250 cr; disbursements grew ~42% YoY o Secured businesses (Retail + Commercial) grew 25% YoY and 4% QoQ o Unsecured businesses grew 11% YoY and 5% QoQ • Slippages declined 22% YoY to ₹798 cr; GNPA ratio at 2.10% and NNPA ratio at 0.76% • Cost-to-assets, excluding CGFMU premium, at 4.0% vs. 3.9% in Q1’FY26 • Annualized credit cost, including CGFMU premium, stood at 0.8% vs. 1.4% in Q1’FY26 Mumbai | July 25, 2026: The Board of Directors of AU Small Finance Bank Limited at its meeting held today approved the financial results for the quarter ended 30th June 2026. Executive Summary Operating environment in Q1 remained uncertain impacted by geopolitical developments in West Asia, higher currency volatility and tighter liquidity conditions. Despite these challenges, India's domestic growth momentum remained healthy and credit demand continued to be resilient. Bank delivered another quarter of strong operating performance with disciplined execution and continued focus on strengthening the quality of its balance sheet. The Bank continued to deepen customer relationships, expand its secured lending businesses and invest in technology-led capabilities while maintaining prudent risk management. With a strong capital position, healthy liquidity profile and continued progress towards becoming a Universal Bank, AU remains well positioned to deliver sustainable and profitable long-term growth. AU Small Finance Bank Limited Head Office - CP3-235, Industrial Area, Apparel Park, Jagatpura, Jaipur, Rajasthan, 302022 Corpo rate Office - 5th Floor, E-Wing, Kanakia Zillion, LBS road, Kurla West, Mumbai, Maharashtra, 400070 Webs ite – www.au.bank.in Commenting on the performance, Mr. Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank said, “Indian economy continues to remain resilient despite a challenging quarter marked by geopolitical uncertainties. I thank the Government and regulators for their proactive measures in safeguarding the economy from any major direct impact. Against this macroeconomic backdrop, the Bank delivered a strong and well-rounded performance, with healthy growth in both deposits and advances alongside improved profitability. This reflects the investments made in strengthening the franchise, particularly over the last two years, through expanded distribution, enhanced technology capabilities, stronger product offerings and high-quality talent pool build-out. What is particularly encouraging is the continued improvement in both the quality of growth and the quality of earnings. Our performance is increasingly being driven by the underlying strength of the franchise and disciplined execution, rather than cyclical or one-off factors. While we remain mindful of the evolving macro environment, our strong capital and liquidity buffers, robust underwriting capabilities, and deepening franchise strengths provide the resilience to manage uncertainties and the flexibility to capture opportunities responsibly. As we continue to build a stronger, more diversified institution, we remain committed to delivering consistent, high-quality growth and creating enduring value for all our stakeholders.” Performance at a glance: Q1’FY27 highlights • NII grew by 32% YoY to ₹2,695 cr • NIM increased by 47 bps YoY to 5.9% in Q1’FY27 • Cost of funds decreased by 60 bps YoY to 6.48% • Other income de-grew by 15% YoY to ₹689 cr; core other income grew by 33% YoY to ₹680 cr • Operating expenses grew by 26% YoY to ₹1,949 cr • Core operating profit (PPoP) grew by 41% YoY to ₹1,426 cr • Provisions were down 30% YoY to ₹371 cr • PAT was up 37% YoY to ₹796 cr • EPS for the quarter stood at ₹11, whereas BVPS stood at ₹279 • ROA and ROE for the quarter were 1.7% and 15.6% Key other updates • Leadership update Elevation of Mr. Yogesh Jain as Deputy CEO: Pursuant to the recommendation of the Nomination and Remuneration Committee, Board of Directors approved the elevation of Mr. Yogesh Jain, currently serving as Chief Operating Officer, as Deputy CEO of the Bank w.e.f. July 25, 2026. AU Small Finance Bank Limited Head Office - CP3-235, Industrial Area, Apparel Park, Jagatpura, Jaipur, Rajasthan, 302022 Corpo rate Office - 5th Floor, E-Wing, Kanakia Zillion, LBS road, Kurla West, Mumbai, Maharashtra, 400070 Webs ite – www.au.bank.in His elevation is intended to further strengthen the Bank’s leadership structure and management bandwidth, commensurate with the growing scale of operations. Mr. Jain will continue to report to the MD & CEO and remain categorized as Senior Management Personnel (SMP) of the Bank. • AI/Tech update The investments in technology, data and AI remain focused on delivering tangible business outcomes through accelerated growth, enhanced customer experience, improved productivity and stronger operating leverage. Guided by ‘Run, Build and Transform’ framework of our Tech team, the Bank continues to strengthen and scale the core franchise, expand digital capabilities and customer journeys, and build a future-ready institution powered by data, analytics and AI. Some of the key ongoing initiatives are: • During Q1, Bank successfully rolled out agentic AI-enabled gold loan origination platform in a controlled environment. A mobile-native version is now live and will start extending this to branches in a calibrated manner o Now extending the same platform to mortgages, [Showing first 8,000 characters — download PDF for full document]