AU SMALL FINANCE BANK Q4&FY21 BUSINESS UPDATES Key Q4FY21 Highlight - Q4FY21 Quarterly Result - Key FY21 Financial Highlights - FY21 Annual Result - Other Income Statement - Balance Sheet - Assets & Liabilities Breakup - Key FY21 Operational Highlights - ➢ Strong rebound in disbursement in H2 (Vehicle, SBL and Housing) ➢ 77% of total FY21 disbursement in H2 (47% YoY growth) ➢ Deposits continue to scale driven by increasing brand awareness, branch expansion and improved digital offering ➢ Improved CASA ratio from 14% to 23% ➢ Overall Cost of Funds reduced by 86 bps to 6.83% from 7.69% in FY20 ➢ GNPA of ₹ 1,503 Cr (4.3%), of which ➢ >90DPD portfolio - ₹ 962 Cr (2.7%) ➢ <90 DPD portfolio - ₹ 541 Cr (1.5%) ➢ Collection efficiency was >100% in each month of Q4FY21 ➢ PAT (ex-Aavas) grew YoY despite accelerated provisions in FY21 ➢ De...