In continuation to our letter dated July 25, 2026 informing about 31st Annual General Meeting ('AGM') of AU Small Finance Bank Limited ('Bank') to be held on Saturday, September 5, 2026 ....

Ref. No.: AUSFB/SEC/2026-27/184 Date: August 13, 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 BSE Scrip Code: 540611, 974093, 974094, 974095, 974914, 974963, 975017, 975038 & 976580 Dear Sir/Madam, Sub: Notice of 31st Annual General Meeting and Integrated Annual Report for FY 2025-26 of AU Small Finance Bank Limited Ref: Regulation 34 and 53 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) In continuation to our letter dated July 25, 2026 informing about 31st Annual General Meeting (“AGM”) of AU Small Finance Bank Limited (“Bank”) to be held on Saturday, September 5, 2026 through video conferencing or other audio visual means, we submit herewith a copy of the Integrated Annual Report for FY 2025-26 including Notice convening the 31st AGM of the Bank and Business Responsibility and Sustainability Report. The Annual Report may also be accessed on website of the Bank at following link: https://www.au.bank.in/investors/annual-reports. The Notice of AGM and Integrated Annual Report for FY 2025-26 are being sent by e-mail to the members and debenture holders of the Bank who have registered their e-mail address with the Depositories/RTA. A letter providing the web-link, including the exact path, for accessing the Notice of AGM and Integrated Annual Report would be sent to those shareholders and debenture holders who have not registered their email address. A copy of the said letter is enclosed for your record. This is for your information and appropriate dissemination. 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 Scaling with Intelligence. Governed by Trust. Integrated Annual Report 2025-26 9 Years of Banking Key Parameters FY 2017-18 FY 2018-19 FY 2019-20 FY 2020-21 FY 2021-22 FY 2022-23 FY 2023-24 FY 2024-25 FY 2025-26 No. of States and UTs 11 12 12 17 20 24 24 25 25 No. of Touchpoints 474 558 647 744 919 1,027 1,074 2,456 2,790 No. of Employees 11,151 12,623 17,112 22,484 27,817 28,320 29,738 50,946 59,207 No. of Unique Customers (in Lakh) 7.5 12.3 17.2 20.2 27.5 38.6 49.4 113.4 122.4 Balance Sheet ₹ (in Crore) Total Assets 18,833 32,623 42,143 51,591 69,078 90,216 1,09,426 1,57,846 1,91,797 Deposits 7,923 19,422 26,164 35,979 52,585 69,365 87,182 1,24,269 1,52,661 Gross Advances 13,413 22,994 27,233 35,356 46,789 59,158 73,999 1,08,778 1,36,041 Net Advances 13,312 22,819 26,992 34,609 46,095 58,422 73,163 1,07,092 1,34,276 Investments 3,051 7,162 10,668 10,815 15,306 20,072 27,133 37,848 44,794 Shareholders’ funds 2,281 3,163 4,377 6,275 7,514 10,977 12,560 17,166 19,974 Borrowings 7,639 8,613 10,335 7,030 5,991 6,299 5,479 11,660 13,872 Income Statement ₹ (in Crore) NII 940 1,343 1,909 2,365 3,234 4,425 5,157 8,012 9,113 Net Income (NII + Other income)* 1,328 1,805 2,615 3,786 4,228 5,460 6,854 10,538 12,091 Operating Expenses 753 1,083 1,418 1,658 2,413 3,440 4,465 5,957 7,002 PPOP* 575 722 1,197 2,128 1,815 2,019 2,389 4,581 5,089 Provisions (other than tax) and contingencies* 132 142 283 669 361 155 390 1,793 1,615 PBT 443 580 914 1,459 1,454 1,865 1,999 2,788 3,474 PAT (Reported) 292 382 675 1,171 1,130 1,428 1,535 2,106 2,641 PAT (Excluding Profit from stake sale in Aavas and 292 382 596 600 1,130 1,428 1,592 2,106 2,656 other exceptional items) Key Ratios Profitability NII as % of Average Assets# 6.6% 5.2% 5.1% 5.0% 5.4% 5.6% 5.2% 5.8% 5.4% Cost of Funds 8.4% 7.9% 7.7% 6.8% 5.9% 6.0% 6.8% 7.1% 6.7% CASA Mix (as % of Deposits) 27% 18% 14% 23% 37% 38% 33% 29% 28% Operating Expenses (as % of Average Assets)# 5.3% 4.2% 3.8% 3.5% 4.0% 4.3% 4.5% 4.3% 4.2% ROA# 2.0% 1.5% 1.8% 2.5% 1.9% 1.8% 1.5% 1.5% 1.6% ROA (Excluding Profit from stake sale in Aavas and 2.0% 1.5% 1.6% 1.3% 1.9% 1.8% 1.6% 1.5% 1.6% other exceptional items)# ROE 13.7% 14.0% 17.9% 23.4% 16.4% 15.4% 13.0% 13.1% 14.2% ROE (Excluding Profit from stake sale in Aavas and 13.7% 14.0% 15.8% 12.0% 16.4% 15.4% 13.5% 13.1% 14.3% other exceptional items) EPS (₹) 5 7 11 19 18 22 23 28 35 BVPS (₹) 40 54 72 100 119 165 188 231 267 Asset Quality Gross NPA (%) 2.0% 2.0% 1.7% 4.3% 2.0% 1.7% 1.7% 2.3% 2.0% Net NPA (%) 1.3% 1.3% 0.8% 2.2% 0.5% 0.4% 0.5% 0.7% 0.7% Provision coverage ratio (PCR) (%) 37% 37% 53% 50% 75% 75% 68% 68% 64% Provision coverage ratio (with technical write-off) 37% 37% 53% 50% 77% 78% 76% 84% 85% Capital Adequacy Average Asset/Average Shareholders’ Funds^ 6.7 9.5 9.9 8.8 8.8 8.6 8.5 8.6 9.0 CRAR - Total 19.3% 19.3% 22.0% 23.4% 21.0% 23.6% 20.1% 20.1% 18.7% CRAR - Tier 1 18.4% 16.0% 18.4% 21.5% 19.7% 21.8% 18.8% 18.1% 16.9% *Recovery of bad debts has been reclassified from ‘Other Income’ to ‘Provisions and contingencies’. Accordingly, the figures for FY 2023-24 have been reclassified. ^For FY 2024-25, average shareholders’ funds is calculated on the basis of April 1, 2024 merged shareholders’ funds. #Average asset calculation from FY 2024-25 is on a monthly basis. A Year of Milestones and Momentum FY 2025-26 was a year of meaningful progress across our business, technology, customer, people and community agendas. The highlights that follow offer a snapshot of the milestones, innovations, partnerships, and impact initiatives that shaped our growth story and created value for stakeholders throughout the year. TH NK for your trust in our journey towards becoming a Universal Bank* *As per RBI notification dated August 7, 2025. » AU Small Finance Bank received the Reserve Bank of India’s in-principle approval to transition into a Universal Bank » Strategic focus on succession planning and leadership development—new Executive Director and Deputy CEO appointed » Rolled out first Agentic AI platform with embedded guardrails and controls; launched the Gold Loan LOS on this AI-native platform » Merger with erstwhile Fincare SFB » Leadership continuity completed post unification of core reinforced with RBI banking systems approval for a further » Strengthened our presence in Mumbai three-year term for with the acquisition of a new building Founder, MD & CEO, for our corporate headquarters Mr. Sanjay Agarwal » Launched 360-degree pan-India media campaign with our new brand ambassadors, Ranbir Kapoor and Rashmika Mandanna » Partnered with ICAI to introduce a complete banking programme tailored to Chartered Accountants’ banking needs » AU SFB and the Institute of Company Secretaries of India » ‘M’ circle, offering tailored banking signed an MoU for exclusive solutions for women banking solutions for Company Secretaries » Strengthened Trade & Forex offerings with NRI outreach » An industry-first proposition programmes and launch of zero- launched with India’s first margin international remittances co-branded LED Credit Card in partnership with CheQ Scaling with Intelligence. Governed by Trust. Over the years, we have grown For us, intelligence extends beyond from a focused vehicle finance technology. It is reflected in thoughtful institution into India’s largest Small underwriting, disciplined capital Finance Bank, with a diversified allocation, data-led decision-making, banking franchise, a growing national and customer-centric innovation. presence, and customer relationships Trust continues to guide how we lead shaped by credibility, consistency, and grow as an institution. and service. Our theme, ‘Scaling with FY 2025-26 marks an important Intelligence. Governed by Trust’, phase in our evolution. As we move reflects the philosophy guiding towards becoming a Universal Bank, our next phase of growth. we are entering a new chapter with wider capabilities, a stronger As India’s financial landscape presence across markets, and a more continues to evolve, we remain diversified banking platform. Through focused [Showing first 8,000 characters — download PDF for full document]