AU Small Finance Bank Ltd

- The bank does not envisage any capital raise (equity) in the current financial year; the capital raise resolution mentioned is routine and enabling in nature. - No specific plans for equity fundraising are currently planned or anticipated. - On the debt/funding side, the bank plans to raise deposits to support asset growth; this is essential as cost of funds may increase by about 35-40 bps during FY'25. - The bank is focused on building a strong deposit franchise through retail CASA and term deposits to fuel growth, rather than relying on capital markets. - No explicit mention of new debt issuances or fundraisings beyond deposit mobilization was noted. In summary, no equity fundraising planned for FY'25; focus is on deposit mobilization and cost-managed funding growth.

- No capital raise is envisaged in the current financial year; the capital raise resolution mentioned is routine and enabling only (Page 21). - The focus remains on building a strong deposit franchise and asset growth rather than raising fresh capital (Pages 20-21). - The bank is currently concentrating on expanding its granular retail deposit base, improving product penetration, and integrating merged entities rather than deploying large capital expenditures (Pages 6-7). - There is no specific mention of any planned strategic investments or major capex in the near term within the transcript provided. - The key strategic focus includes upgrading digital platforms, launching new products, expanding distribution reach, and pursuing universal banking license application (Pages 3, 7, 21). - Overall, capital deployment appears focused on organic growth, technology, and branch expansion rather than large capital or strategic investments.

- AU Small Finance Bank expects to achieve around INR 25,000 crores of deposit growth over the next 9 months, supporting asset growth. - The bank targets over 60,000 crore disbursements this year, with 20% already done in Q1, reflecting strong momentum. - Disbursement yields are at 15.8%, about 250 basis points higher than last quarter, aiding margin sustainability. - The full-year margin guidance is stable around 5.7% to 5.8%, with slight expected pressure due to deposit cost increases. - Asset growth guidance is 25% for FY'25, backed by a current comfortable CD ratio of ~84% (excluding refinance assets). - Growth focus is on building a strong retail deposit franchise, especially in urban areas and leveraging new universal bank status. - Credit card issuance is expected to normalize with around 5 lakh cards targeted for the full year. - Continued emphasis on cross-sell and other fees to grow non-interest income sustainably.

- The bank aims to maintain a Return on Assets (ROA) of around 1.6%, with potential upside if cost of funds remains stable or declines. - Asset growth targeted at 25% for FY'25, supported by strong deposit growth and a healthy CD ratio (~84%), enabling sustained lending expansion. - Margins for FY'25 expected to be slightly better than FY'24, with full-year margins forecasted around 5.7%-5.8%, aided by improved yields and lower cost of funds initially. - Increased focus on high-yield disbursements with first quarter yield at ~15.8%, driving improved asset-side profitability. - Other income expected to grow through increased processing fees, insurance income, and wealth products over the next year. - Credit cost guidance remains comfortable at 1.10%-1.15% on a full-year basis, supporting stable earnings. - No significant capital raise planned for FY'25; internal growth through existing capital base is expected.

The provided transcript from AU Small Finance Bank's Q1 FY25 earnings call does not mention any details about the bank's current or expected order book or pending orders. The discussion primarily revolves around financial metrics such as asset growth, deposit strategy, cost of funds, PSLC, and plans for universal banking license application. No information is provided regarding order books or pending orders.