We submit herewith the transcript of conference call held on Saturday, October 24, 2026 for unaudited financial results of AU Small Finance Bank Limited ('the Bank') for the quarter and half year ended on September 30, 2026.

Ref. No.: AUSFB/SEC/2026-27/286 Date: October 28, 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: Transcript of conference call for unaudited financial results for the quarter and half year ended on September 30, 2026 Ref: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) We submit herewith the transcript of conference call held on Saturday, October 24, 2026 for unaudited financial results of AU Small Finance Bank Limited (“the Bank”) for the quarter and half year ended on September 30, 2026. In compliance of Regulation 46 of the Listing Regulations, the transcript is also made available on the Bank’s website 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 Q2'FY27 Earnings Conference Call” October 24, 2026 MANAGEMENT: MR. SANJAY AGARWAL – FOUNDER, MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – AU SMALL FINANCE BANK LIMITED MR. VIVEK TRIPATHI – EXECUTIVE DIRECTOR – AU SMALL FINANCE BANK LIMITED MR. GAURAV JAIN - CHIEF FINANCIAL OFFICER – AU SMALL FINANCE BANK LIMITED MR. PRINCE TIWARI – HEAD, INVESTOR RELATIONS AND FIG – AU SMALL FINANCE BANK LIMITED Page 1 of 28 AU Small Finance Bank Limited October 24, 2026 Moderator: Ladies and gentlemen, good day and welcome to the AU Small Finance Bank Q2’FY27 Earnings Conference Call. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star, then zero on your touchtone phone. I now hand the conference over to Mr. Prince Tiwari, Head of Investor Relations and FIG, AU Small Finance Bank. Thank you, and over to you, Sir. Prince Tiwari: Thank you, Rutuja, and good afternoon, everyone, and welcome to AU Small Finance Bank's Earnings Call for the second quarter of financial year '26-'27. We thank you all for joining the call this evening. On today's call, from management, we have our founder MD and CEO, Mr. Sanjay Agarwal; our Executive Director, Mr. Vivek Tripathi; our CFO, Mr. Gaurav Jain; and IR team. CFO sir will start today's call with 15 to 20 minutes opening remarks highlighting the bank's performance, positioning, and outlook. We'll follow the opening remarks with a 40 to 45 minutes of Q&A from participating investors and analysts. For the benefit of all participants and so that we can take everyone's questions, we would humbly request everyone to keep the number of questions restricted to two per participant and join back in the queue in case you have further questions. For any data keeping questions, you may kindly reach out to the IR team anytime post this call. With that, I now request Gaurav to share his opening remarks. Gaurav Jain: Opening remarks: Q2 FY27 earnings call Thank you, Prince. Page 2 of 28 AU Small Finance Bank Limited October 24, 2026 Good evening, everyone, and thank you for joining us for our Q2 FY27 earnings call. Q2 was our 38th quarter as a commercial Bank and over the past decade, we have navigated a dynamic operating environment while strengthening our balance sheet, building multiple growth engines, investing in technology and talent and maintaining a sharp focus on risk management and governance. Q2 was another quarter where the Bank demonstrated resilience and strong operating performance amidst a challenging macroeconomic backdrop. The operating environment in this quarter continued to be influenced by geopolitical risks and monetary policy tightening with MPC raising policy rate by 25 bps to 5.5% and shifting stance to “Calibrated tightening”. While domestic activity and credit demand remained healthy, we remain watchful of the implications on liquidity, deposit pricing and loan yields. Now let me walk you through the key highlights of our performance in Our deposits grew strongly by 29% YoY and 8% QoQ (vs banking system growth of 18% yoY). This was despite not meaningfully participating in the strong FCNR inflows in the banking system due to our limited overseas footprint. We garnered around US$230 million of FCNR deposits on a gross basis in Q2. CASA deposits continued to see strong growth at 29% YoY and 11% QoQ with CASA ratio sequentially improving 72bps to 29.5% from 28.8% in Q1 Loan portfolio grew 25% YoY and 7% QoQ, against banking sector credit growth of 19%. Secured assets, which remain the foundation of our lending franchise, grew by 26% YoY and 5% QoQ. Unsecured businesses grew 23% YoY and 8% QoQ led by microfinance and personal loan. Page 3 of 28 AU Small Finance Bank Limited October 24, 2026 Disbursement for the quarter was up by 33% YoY, driven by broad- based growth across businesses. This balance-sheet growth translated into healthy operating performance. Net Interest Income increased by 32% YoY on the back of strong growth in loan portfolio and 33 bps YoY expansion in margins. Sequentially, margin declined by 9 bps to 5.8% driven by higher share of investments to total assets and seasonality. Sequential loan spreads remained broadly stable with decline in loan yields (by 9bps) being offset by 7 bps decline in cost of funds. Core fee income grew by 16% YoY driven by healthy business volumes. Treasury profits were lower on a YoY basis leading to muted total other income growth of 8% YoY. Operating expenses increased by 26% YoY driven by growth in disbursement volumes and continued investments in distribution, brand and technology. Operating leverage continues to play out on underlying basis, with Cost-to-assets ratio, excluding guarantee premium, improving from 4.0% in Q1 to 3.9% this quarter. We expect cost to assets ratio to improve YoY on a full year basis. Core PPoP grew by 31% YoY to INR1,480 Cr whereas provisions declined by 25% to INR359 Cr, largely led by normalization in unsecured businesses. Asset quality metrics remained stable during the quarter. Slippage ratio improved on a YoY basis to 2.6% vs 3.3% a year ago supported by improvement in unsecured businesses, while slippages in the secured assets remained stable. GNPA ratio declined by 42bps YoY to 1.99% and Credit cost, including guarantee premium, declined by 45 bps YoY to 0.8% Profit after tax grew 53% YoY to INR858 Cr compared to INR561 Cr in Q2’FY26. RoA for the quarter improved to 1.7% vs 1.4% in Q2 last year and RoE improved to 16.1% vs 12.4% in Q2 last year. For H1’FY27, Profit after Tax improved by 45% YoY to INR1,654 Cr compared to INR1,142 Page 4 of 28 AU Small Finance Bank Limited October 24, 2026 Cr in H1’FY26. Similarly, RoA and RoE improved to 1.7% and 15.8% compared to 1.4% and 12.9% for same period last year. In terms of other strategic updates, We continue to invest in our people, distribution, branding and technology, to strengthen our foundation for the next phase of our growth. During the quarter, we added ~2,400 employees largely in customer facing roles to support our increased distribution with 45 new deposit branches and 100+ asset centres added in Q2. We also strengthened our senior leadership team, with Mr. Anil Agarwal joining as Senior Executive Group Head, to lead our Commercial & Institutional Banking business and Mr. Amol Padhye formally assuming the role of Chief Risk Officer. We have also stepped up our brand investments across television, print and digital media with association with Kaun Banega Crorepati being a prominent i [Showing first 8,000 characters — download PDF for full document]