AU SMALL FINANCE BANK LIMITED

As an NBFC, it operated in three business lines: vehicle finance; micro, small and medium enterprises (“MSMEs”) loans; and small and medium enterprises (“SMEs”) loans. As the Company commenced its SFB operations, it has expanded and strengthened its business model to offer a diverse suite of banking products and services by leveraging its asset‐based lending strengths, NBFC customer base and cost efficient, technology driven hub‐and spoke branch operating model to successfully operate Its SFB. In addition to its vehicle finance, MSME and SME offerings, its asset product offerings include working capital facilities, gold loans, agriculture related term loans, Kisan credit cards for farmers and loans against securities. Its liability product offerings include current accounts, savings accounts, term deposits, recurring deposits and collections and payments solutions for MSME and SME customers. It believes that transitioning to an SFB has offered it a significant growth potential and it aims to be a retail focused, preferred trusted SFB offering integrated and tailored solutions to customers.

 

The objects of the Offer are to achieve the benefits of listing the Equity Shares on the Stock Exchanges and for the Offer for Sale of 53,422,169 Equity Shares.