In continuation to our intimation for conference call vide letter dated July 14, 2026, we submit herewith Investors Presentation on Unaudited Financial Results of the Bank for the quarter ....

Ref. No.: AUSFB/SEC/2026-27/154 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: Presentation to Investors 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 intimation for conference call vide letter dated July 14, 2026, we submit herewith Investors Presentation on Unaudited Financial Results of the Bank for the quarter ended on June 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 investorrelations@aubank.in Encl: As above investorrelations@aubank.in Q1’FY27 Earnings presentation 25th July 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, 2009, 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 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 Q1’FY27 – Strong performance in a seasonally soft quarter ❑ Deposits grew 24% YoY (3% QoQ) to ~₹1.58 lac cr vs. ~14% estimated growth in private sector banks Deposits ▪ CASA deposits grew 22% YoY and 5% QoQ, CASA ratio grew sequentially to 29% ▪ Cost of Funds (CoF) declined by 60bps YoY and 1 bps QoQ to 6.48% ❑ Loans grew 23% YoY (3% QoQ) to ₹1.44 lac cr vs. ~17% estimated growth in private sector banks Gross loan ▪ Disbursement grew ~42% YoY partially benefiting from growing contribution from newer geographies portfolio ▪ Secured business (Retail + Commercial) grew 25% YoY and 4% QoQ; unsecured businesses grew 11% YoY and 5% QoQ Operating ❑ Cost-to-assets (ex CGFMU premium) at 4.0% compared to 3.9% in Q1’FY26 efficiency ▪ Reflects strong disbursement growth and ongoing investment in distribution, manpower, branding and tech ❑ Slippages declined 22% YoY to ₹798 cr; GNPA at 2.10%, NNPA at 0.76% Asset quality ▪ Credit cost, incl. CGFMU premium, improved to 0.8% (vs. 1.4% in Q1’FY26) led by recovery in unsecured; stable trends in secured ▪ Includes additional one-time provision of ₹ 23 cr from further strengthening of provisioning policy in selected products ❑ PAT grew by 37% YoY to ₹796 cr; annualized RoA/RoE at 1.7% and 15.6% ▪ NIM expanded by 47 bps YoY to 5.9% from 5.4% in Q1'FY26; On QoQ basis, NIM moderated by 7 bps on reversal of certain Profitability seasonal one-offs highlighted in Q4’FY26 & Capital ▪ Core PPoP (ex treasury gains) grew strongly at 41% YoY led by 32% NII growth and 33% growth in core other income ▪ Tier I capital ratio at 17.1% and total CRAR at 18.9% Q1’FY27 – Other highlights ❑ Tech strategy organized under Run, Build and Transform with dedicated teams and leadership ❑ Agentic AI platform update ▪ Gold loan origination journey built on proprietary bank-native AI-platform saw successful rollout in a limited use environment during Q1; mobile-native journey is now developed and being rolled out across branches in pilot mode AI & Tech ▪ Building similar AI powered LOS journey for wheels, mortgages, commercial banking, credit cards and PL Update ❑ Unified Lead platform launched for AI-led lead aggregation, qualification, and distribution across internal and partner channels ▪ Onboarded 25,000+ users with 92% daily active usage ❑ New UPI interface with enhanced features live on AU 0101 ❑ Cross-border banking - Introduced zero forex margin with zero bank charges on retail remittances, enabling customers to [Showing first 8,000 characters — download PDF for full document]