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 ....

AI summary - Deposits grew 24% y-y, ahead of private sector growth of 14%; loan portfolio up 23% y-y - Profit after tax rose 37% y-y to INR796 Cr; net interest margin improved 47 bps y-y to 5.9% - Asset quality stable; slippages down 22% y-y; credit cost declined 54 bps y-y to 0.8% - Digital transactions now 90%+ of total; AI initiatives rolled out in gold loan origination and risk assessment - Retail secured assets grew 23% y-y; commercial banking up 34% y-y; unsecured business recovering - Cost to assets ratio at 4%, slight increase due to investments; operating leverage expected to improve - Management elevated Yogesh Jain to Deputy CEO; focus on tech, risk, and growth across geographies - Multiple analyst queries on ECL framework impact; management expects neutral effect, to update by Q3FY27