AU Small Finance Bank Ltd

- There is no explicit mention of any immediate or planned new fundraising through debt or equity in the provided pages. - Management highlights that borrowings have historically been around 7-8%, mainly refinance, aiding cost efficiency. - Deposits growth is strong, with current deposit-to-credit ratio around 84%, reducing dependency on borrowings. - Focus is on building sustainable and scalable deposit franchise with granular, low-cost liabilities. - The bank is actively investing in technology and business capabilities using current cash flows rather than additional capital raising. - ROEs are healthy and expected to improve in the next 2 years, despite significant recent capital raising. - Overall, emphasis is on internal capital generation, rational growth, and cautious investment, with no immediate plans stated for fresh equity or debt fundraising.

- The bank is investing significantly in technology and digital initiatives as a strategic focus to build for the long term (next 100 years). - Major investments are made in tech innovation, digital customer-facing propositions, core banking system upgrades, data center capacity enhancements, and automation. - Partnerships and investments are ongoing with major ecosystem players like NPCI, Amazon, Salesforce, Visa, and FICO. - Credit card business has seen around Rs. 250 crores invested recently, with about Rs. 100 crores invested in the last quarter alone. - The bank is investing in video banking as an alternative to branch banking and monetizing QR code businesses. - The capital outlay is prioritized despite short-term impacts on ROA and ROE, aiming for sustainable growth and scalability. - Overall, tech and digital investments are expected to reduce operational costs (OPEX) and improve asset quality in the medium term.

- The bank aims for steady loan growth of around 20-22% year-on-year, particularly in the Small Business Loans (SBL) segment. - Vehicle loans (Wheels business) have seen growth of about 32% after accounting for securitization, with no loss in market share and potential gains. - Deposits have grown by 32% year-on-year to Rs.69,365 crores with 28% growth in deposit customers, focusing on granular retail and current accounts for sustainable funding. - The bank targets to increase cross-sell of asset products to liability customers, which grew 25% to Rs.2,500 crores in FY23, leveraging data analytics and digital channels. - The unsecured book, including credit cards and QR code business, is expected to scale over the next 2-3 years with Rs.1,400 crores credit card disbursements, Rs.800 crores cross-sell personal loans, and Rs.200 crores QR business done so far. - Management anticipates stabilizing and improving ROA above 2%, driven by retail focus, asset quality, tech innovations, and operational efficiency in the next 2-3 years.

- AU Small Finance Bank aims to sustain and grow its unsecured loan book, credit card business, and QR code business, leveraging data analytics for cross-selling. - Cross-sell personal loans disbursements reached Rs. 800 crores; QR code business grew to around Rs. 200 crores; credit card disbursements range between Rs. 1,000 to 1,400 crores. - Investments in tech and business capabilities are ongoing but expected to taper off by FY25, resulting in improved profitability. - Cost-to-income ratio is expected to remain around 60-63% by FY25, with a gradual decline as revenue streams from new products (AD1 license, credit cards, QR monetization) mature. - ROA is projected to stabilize north of 2% over the next 3-5 years, supported by manageable cost of funds, retail high-yield assets, strong asset quality, and improved operational efficiencies. - Other income and fee income, including insurance, wealth, and credit cards, are expected to rise in the next 18-24 months, positively impacting earnings. - Overall, the bank anticipates steady growth with potential to surprise positively in performance as new revenue pools mature.

The transcript provided from the AU Small Finance Bank conference call does not explicitly mention "Current/ Expected Orderbook" or "Pending Orders" in typical commercial or manufacturing terms. The focus is primarily on banking financials, loan disbursements, deposit growth, credit card business, and asset book growth. Key points related to loan disbursements and business growth (which could loosely correlate to order book in bank lending terms) include: - Cross-sell Personal Loan (PL) book disbursements: ₹800 crores. - QR code business disbursements: ₹200 crores. - Credit card disbursements: ₹1,400 crores. - Vehicle loan book (Wheels segment) expected growth: 20-22% YoY. - Small Business Loan (SBL) book growth: 20-22% YoY. - NBFC funding book at ₹2,551 crores with 25% YoY growth. - REG book portfolio at ₹1,224 crores with 57% YoY growth. No explicit numeric orderbook/pending orders data is provided.