AU Small Finance Bank: Strong Growth, Digital Push

AU Small Finance Bank highlighted its growth strategy and technology-led transformation in its September 24, 2026 Investor Presentation. 🔹 Loan Growth: Gross Loan Portfolio reached ₹1.44 lakh crore in Q1 FY27, up 23% YoY. 🔹 Customer Assets: ₹1.45 lakh crore, up 23% YoY. 🔹 Secured Portfolio: 90%+ of the portfolio is secured. 🔹 Deposit Franchise: Focus remains on expanding granular retail deposits and liability branches. 🔹 Universal Banking: Bank has submitted its application for final Universal Banking licence approval. 🔹 Technology & AI: 50+ AI use cases are in development, with AI being embedded across lending, onboarding, risk and customer operations. 🔹 Digital Banking: AU 0101 and AU 0101 Business account for 95%+ of transaction volumes and 90%+ of service interactions. 📌 Investor Takeaway: AU Small Finance Bank is focusing on scaling its deposit franchise, maintaining a largely secured asset book, expanding digital capabilities and leveraging AI to drive operational efficiency and cross-selling. For information purposes only.