AUBANK2020-04-012020-06-30in-bse-fin:OneOperatingExpenses01Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentRevenue01Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentRevenue02Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentRevenue03Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentRevenue04Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentRevenue05Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentResults01Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentResults02Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentResults03Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentResults04Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentResults05Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets01Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets02Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets03Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets04Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets05Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets06Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets07Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets08Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets09Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentAssets10Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities01Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities01Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities02Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities02Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities03Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities03Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities04Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities04Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities05Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities05Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities06Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities06Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities07Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities07Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities08Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities08Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities09Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities09Member AUBANK2020-04-012020-06-30in-bse-fin:OneReportableSegmentLiabilities10Member AUBANK2020-06-30in-bse-fin:OneReportableSegmentLiabilities10Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares AUBANK AU Small Finance Bank Limited 2020-04-01 2021-03-31 INR First quarter Not applicable 2020-06-30 Unaudited Standalone 9537998000.00 1981004000.00 218095000.00 104053000.00 11841150000.00 2257966000.00 14099116000.00 6682633000.00 1793352000.00 1167229000.00 2960581000.00 9643214000.00 4455902000.00 1812521000.00 0.00 2643381000.00 635294000.00 2008087000.00 0.00 2008087000.00 2008087000.00 3064076000.00 10.00 0.00 0.2172 0.00 6.58 6.52 6.58 6.52 4471237000.00 1631888000.00 0.0169 0.0062 0.0046 The SARS-CoV-2 virus responsible Covid-19 pandemic is continue to spread across the world and India is no exception, which has contributed to a significant decline and volatility in global and Indian financial markets and a significant decrease in global and local economic activities. On March 11, 2020, the COVID-19 outbreak was declared a global pandemic by the World Health Organization. Numerous governments and Central Banks have introduced a variety of measures to contain the spread of the virus and moderate the economic impact due to disruptions. On March 24, 2020, the Indian government announced a strict 21 days lockdown which was further extended until May 31, 2020 across the country to contain the spread of the virus. Further, the Government announced a phased reopening of certain activities outside specified containment zones, while the lockdown was extended to June 30, 2020 in such containment zones. Some of the states further extended the lockdown to July 31, 2020. nThe impact of COVID-19, including changes in customer behavior and pandemic fears, as well as restrictions on business and individual activities, has led to significant volatility in global and Indian financial markets and a significant decrease in global and local economic activity, which may persist even after the restrictions related to the COVID-19 outbreak are lifted. The continued slowdown in economic activity has led to a decrease in loan originations, the sale of third-party products and collection efficiency. The extent to which the COVID-19 pandemic will continue to impact the Bank's results will depend on future developments, which are highly uncertain, including, among other things, any new information concerning the severity of the COVID-19 pandemic and any action to contain its spread or mitigate its impact whether government-mandated or elected by the Bank. nIn accordance with the RBI guidelines relating to COVID-19 Regulatory Package dated March 27, 2020 and April 17, 2020, the Bank has granted a moratorium of three months on the payment of all instalments and / or interest, as applicable, falling due between March 1, 2020 and May 31, 2020 to all eligible borrowers. In line with the additional Regulatory Package guidelines dated May 23, 2020, the Bank granted a second three-month moratorium on instalments or interest, as applicable, due between June 1, 2020 and August 31, 2020. For all such accounts where the moratorium is granted, the asset classification shall remain stand still during the moratorium period (i.e. the number of days past-due shall exclude the moratorium period for the purposes of asset classification under the Income Recognition, Assets Classification and Provisioning norms). nIn addition to the provision of Rs. 13,838 lacs made during the quarter ended March 31, 2020, during the current quarter, the Bank has made further provision of Rs. 14,000 lacs against the potential impact of COVID-19. The provision held by bank is in excess of the RBI Prescribed Norms. Other operating expenses 1167229000.00 Capital and Reserves 0.00 Other banking operations 42486000.00 Retail banking 8977896000.00 Treasury 4062797000.00 Wholesale banking 1015937000.00 14099116000.00 0.00 14099116000.00 Capital and Reserves 0.00 Other banking operations 41292000.00 Retail banking 674153000.00 Treasury 1676676000.00 Wholesale banking 251260000.00 2643381000.00 0.00 0.00 2643381000.00 Capital and Reserves 0.00 Capital and Reserves 0.00 Other banking operations 15926000.00 Other banking operations 15926000.00 Retail banking 239808728000.00 Retail banking 239808728000.00 Treasury 162390680000.00 Treasury 162390680000.00 Wholesale banking 32343608000.00 Wholesale banking 32343608000.00 434558942000.00 8111554000.00 442670496000.00 Capital and Reserves 45877188000.00 Capital and Reserves 45877188000.00 Other banking operations 114000.00 Other banking operations 114000.00 Retail banking 171044808000.00 Retail banking 171044808000.00 Treasury 59721452000.00 Treasury 59721452000.00 Wholesale banking 165085860000.00 Wholesale banking 165085860000.00 441729422000.00 941074000.00 442670496000.00 Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, and guidelines prescribed by RBI and in compliance with the Accounting Standard 17 – “Segment Reporting”. The methodology adopted in compiling and reporting the above information has been relied upon by the auditors.