AU Small Finance Bank Limited — PPTs, 01-09-2025: Investor Presentation

AU Small Finance Bank has delivered robust performance, with its Loan Book growing from ~₹200 Cr in FY08 to ~₹120,000 Cr by Jun'25. Deposits soared over 16x since FY18 to ~₹127,696 Cr, while profit (PAT) reached ₹2,184 Cr (TTM Jun'25). Asset quality remains strong, reflected by GNPA at 0.5% and NNPA at 0.4% in FY25, and a healthy RoA of 1.5%.

A significant growth driver is the recent in-principle RBI approval to transition into a Universal Bank. This unlocks greater market acceptance, enhances deposit access, and diversifies its product suite further. Management is focused on leveraging India's strong economic growth and the bank's relatively small market share (~0.5%) to outpace sector growth. Strategic digital investments continue to strengthen its scalable platform and customer offerings. The bank views this Universal Bank status as a "tremendous opportunity" to build a lasting banking franchise, with its "next innings" beginning from Mumbai.