We submit herewith the transcript of Conference Call held on Saturday, July 25, 2026 for Unaudited Financial Results of AU Small Finance Bank Limited ('the Bank') for the Quarter ended ....

Ref. No.: AUSFB/SEC/2026-27/159 Date: July 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 ended on June 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, July 25, 2026 for Unaudited Financial Results of AU Small Finance Bank Limited (“the Bank”) for the Quarter ended on June 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 Q1’FY27 Earnings Conference Call” July 25, 2026 Management: Mr. Sanjay Agarwal - Managing Director and Chief Executive Officer Mr. Vivek Tripathi – Executive Director and Chief Credit Officer Mr. Uttam Tibrewal - Deputy Chief Executive Officer Mr. Yogesh Jain – Deputy Chief Executive Officer Mr. Gaurav Jain - Chief Financial Officer Mr. Ankur Tripathi - Chief Digital and AI Officer Mr. Prince Tiwari - Head of Investor Relations & FIG Moderator: Ladies and gentlemen, good day and welcome to AU Small Finance Bank Q1 FY'27 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 '*' then '0' on your touchtone phone. Please note that this conference is being recorded. Page 1 of 20 AU Small Finance Bank Limited July 25, 2026 I now hand the conference over to Mr. Prince Tiwari, Head of Investor Relations. Thank you and over to you, Mr. Tiwari. Prince Tiwari: Thank you, Renju, and good afternoon, everyone, and welcome to AU Small Finance Bank's earnings call for the first quarter of the financial year ’26 -‘27. We thank you all for joining the call this afternoon. On today's call, from the management side, we have our Founder, MD and CEO, Mr. Sanjay Agarwal; Executive Director and Chief Credit Officer - Mr. Vivek Tripathi; Deputy CEOs - Mr. Uttam Tibrewal and Mr. Yogesh Jain; CFO - Mr. Gaurav Jain; Chief Digital and AI Officer - Mr. Ankur Tripathi; and the IR team. As we made the announcement today, Mr. Yogesh Jain has been elevated as the Deputy CEO of the bank, and I take this opportunity to congratulate Yogesh ji on his appointment. We will start today's call with a 15 to 20 minutes opening remarks from Gaurav, highlighting the bank's performance, positioning, and outlook. We will follow the opening remarks with a 40 to 45 minutes of Q&A from all the participating analysts and investors. For the benefit of all participants, 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 any further questions. For any data-keeping questions, you can kindly reach out to the IR team anytime post this call. With that, I now request Gaurav to share his opening remarks. Gaurav Jain: Thank you, Prince. Good afternoon, everyone, and thank you for joining us for our Q1 earnings call. As we step into the 10th financial year of our banking journey, we do so from a position of strength. Our franchise today is more diversified, resilient, and scalable, reflecting years of disciplined execution and clear strategic focus. Over this period, we have strengthened our balance sheet, built multiple durable growth engines, and continued to invest in technology and talent while maintaining a sharp and consistent focus on risk management and governance. These foundational strengths have enabled us to navigate evolving operating conditions with confidence and deliver strong, high-quality performance. Let me now take you through the key highlights of the quarter. Q1 was marked by heightened geopolitical uncertainty arising from the ongoing West Asia crisis. The Indian economy and the banking sector, however, continue to demonstrate resilience with healthy credit growth across segments. Liquidity conditions remain relatively tight with heightened competition for deposits and Page 2 of 20 AU Small Finance Bank Limited July 25, 2026 elevated interest rates. While we remain watchful of evolving external risks, these developments have not had any material impact on our business momentum and our operating performance continues to be strong across key metrics. Deposits growth remained robust at 24% year-on-year, significantly ahead of the estimated private sector banking deposit growth of 14%. Loan portfolio grew by 23% year-on-year versus private sector banking growth of 17%, with secured assets growing by 25% year-on-year. Growth in unsecured businesses improved with 11% year-on-year growth and 5% quarter-on-quarter growth led by microfinance and personal loan. Disbursement for the quarter was up 42% year-on-year driven by continued strength in our core retail secured and commercial banking businesses. Asset quality remained robust with slippages declining by 22% year-on-year to INR798 crores, driven by improvement in the unsecured portfolio. Slippages in secured assets portfolio remain stable. Profit for the quarter grew by 37% year-on- year to INR796 crores, driven by core PPOP growth of 41%. Net interest margin increased by 47 basis points year-on-year to 5.9%. Core fee income grew by 33% year- on-year driven by higher business volumes. Cost to assets ratio, excluding CGFMU premium was 4%, up marginally from 3.9% last year, driven by strong disbursement growth and investments made in distribution, manpower, and technology over the last 12 months. Operating leverage continues to play out on underlying basis and we expect cost to assets ratio to improve on a full- year basis. Credit cost, including CGFMU fee, declined by 54 basis points year-on-year to 0.8% compared with 1.4% a year ago. ROA for the quarter was 1.7% versus 1.5% in Q1 last year, and ROE was 15.6% versus 13.3% in Q1 last year. PAT for the quarter included an additional one-time provision of INR23 crores from further strengthening of NPA provisioning norms in selected products. We continue to further strengthen our leadership with elevation of Mr. Yogesh Jain as Deputy CEO and appointment of Chief Risk Officer Designate and Head of Technology. These additions add to our domain expertise and reinforce our focus on enhancing risk management, strengthening technology capabilities, and building a high-quality, future-ready institution. I will now talk about our tech initiatives. We have aligned our technology agenda around three priorities: run, build, and transform, with focus on protecting and scaling the core franchise, accelerating digital adoption, and building a future-ready Page 3 of 20 AU Small Finance Bank Limited July 25, 2026 institution powered by data and AI. During the quarter, we made meaningful progress in embedding AI and automation into core business processes. We successfully rolled out our AI-enabled gold loan origination platform in a controlled environment. A mobile-native version is now live and we will start extending this to branches in a calibrated manner. On the same Agentic AI platform, build-out of loan origination journey for mortgages will also be undertaken. AI-led transformation initiatives are underway [Showing first 8,000 characters — download PDF for full document]