AU Small Finance Bank Ltd informed the National Stock Exchange of India and BSE Limited that it had submitted its investor presentation on September 24, 2026. The disclosure was made under Regulation 30 of the SEBI Listing Obligations and Disclosure Requirements Regulations, 2015.

The presentation was prepared for a group meeting organised by ICICI Securities on September 24, 2026. The bank said the document covered its execution track record, sustainable business model, deposit and asset growth strategy, potential transition to Universal Banking and technology initiatives.

Business performance and operating profile

According to the presentation, AU Small Finance Bank’s deposits stood at ₹158 thousand crore in Q1FY27, while its gross loan portfolio was ₹144 thousand crore. The bank reported a 29% CASA ratio and a 6.5% cost of funds for Q1FY27. Its net interest income was ₹2.0 thousand crore in the quarter, compared with ₹0.8 thousand crore in Q1FY26, as presented by the bank.

The presentation showed gross non-performing assets of 2.1% and net non-performing assets of 0.8% in Q1FY27. Return on assets was reported at 1.7%, return on equity at 15.6% and profit after tax at ₹0.8 thousand crore for the quarter. The bank stated that more than 90% of its portfolio is secured, with retail banking forming about 74% of total loan assets.

AU Small Finance Bank outlined a diversified customer-asset mix spanning consumer, commercial and rural assets. As of June 30, 2026, total customer assets were ₹145 thousand crore, including ₹66 thousand crore of consumer assets, ₹56 thousand crore of commercial assets and ₹18 thousand crore of rural assets.

The bank also described plans to strengthen its deposit franchise through additional liability branches, a focus on high-potential Tier I and metropolitan markets, targeted customer propositions, cross-selling and a phygital, omnichannel approach.

Universal Banking and technology focus

The presentation referred to the bank’s in-principle approval for transition to Universal Banking, an application for final Universal Bank licence approval and the replacement of an NOFHC-related Universal Banking licence condition by the Reserve Bank of India. It also mentioned approval for a three-year extension of the Managing Director’s tenure.

On technology, the bank highlighted a modernised core banking system, cloud-first infrastructure, digital customer journeys, data analytics, Customer 360 and agentic artificial intelligence. It reported 99.9% uptime, more than 200 open banking APIs and a 70% cloud footprint.

The bank cautioned that the presentation was for information purposes, had not been independently verified and contained forward-looking statements subject to risks, uncertainties and assumptions. The document is also available on the bank’s stock-exchange disclosures webpage.

Source: BSE corporate announcement.