AU Small Finance Bank Ltd

- No explicit mention of any current or planned new fundraising through equity or debt in the transcript. - Discussion on borrowings shows a quarter-on-quarter increase of Rs. 2,000 crores due to refinance, not new fundraising. - Management emphasizes self-governance in managing ratios and liquidity rather than relying on regulator-driven mandates. - There is no direct commentary on plans for raising fresh capital, despite peers raising capital recently. - The focus appears to be on strategic management of existing resources, scaling operations, and controlled cost management for growth. - Any decisions on increment in unsecured lending or growth plans will be reviewed around April, indicating cautious incremental growth rather than immediate capital raising. In summary, there is no announcement or hint of new fundraising through debt or equity as per the provided transcript.

- AU Small Finance Bank has been consistently investing 8%-10% of its OPEX in technology over the past 8 years to build a scalable, intelligent, and sustainable banking platform. - Current technology investments include: - AI implementation across acquisition, underwriting, risk, operations, and customer engagement. - Development of AI-powered systems like Gold Loan LOS going live in Q1 FY’27. - Cloud-native real-time data lake enabling AI-led decision-making. - AI-based fraud systems and voice bots for operational efficiency. - The bank is focusing on capacity building with expansion plans, including: - Adding 80 new branches in the current year to enhance distribution. - Doubling wheels penetration with hiring in sales, credit, and collections. - Future updates on cost reduction and technology impact are expected in the coming quarters (April/July calls). - No explicit mention of large capital or strategic acquisitions but the focus is on organic growth via tech and branch expansion.

- Overall loan portfolio growth expected around 20-22% next year, aligned with 2.25-2.5 times nominal GDP growth of ~8-8.5%. - Retail secured segment to benefit from expanded distribution in southern markets, aiming for 17-18% growth in microbusiness loans. - MFI business is turning around with improving collection efficiency and CGFMU coverage, supporting growth. - Credit card portfolio expected to return to growth next financial year after recent normalization and product actions. - Continued focus on growing deposit franchise, with CASA growing 16% YoY and new account acquisitions increasing. - Wealth and FOREX services scaling well with strong revenue growth and customer base expansion. - Expansion plans include opening 80 new branches in the year and doubling wheels penetration, driving volumes. - Expect sustained growth in commercial banking segments like business banking and renewable energy.

- AU Small Finance Bank expects overall loan growth of around 20%-22% next year, aligned with a nominal GDP growth of 8-8.5%, targeting 2.25 to 2.5 times nominal GDP growth in the medium term. - The bank is optimistic about improvement in microfinance (MFI) and credit card portfolios, which are stabilizing and expected to contribute positively next year. - Personal loans (PL) are projected to grow substantially in the long run due to enhanced analytics, credit engines, and focus on existing-to-bank (ETB) customers and new-to-bank (NTB) journeys. - Operating expenses are expected to be controlled with cost-to-income ratio targeted below 60%, ideally around 56%-57%, supported by tech adoption and AI-driven efficiencies. - Credit costs for FY’26 are guided to be around 1% of average assets, supported by improved collection efficiency and credit guarantee coverage. - Profit after tax showed a strong quarter with 29% YoY growth, reflecting disciplined execution and growth strategies, likely to continue.

The provided transcript of AU Small Finance Bank's conference call and financial results does not mention any details about current or expected order book or pending orders. The discussion mainly focuses on banking operations, deposit and loan growth, margins, credit costs, product initiatives, and competitive positioning. There is no reference to order book metrics or pending orders typical of manufacturing or service contracts. Hence, no information on current or expected order book/pending orders is available in this document.