Medium Risk

AU Small Finance Bank Limited

• Commercial banking: Business banking, Agri banking, Real estate, NBFC lending, Trade & FX, Transaction banking • Unsec

CIN: L36911RJ1996PLC011381 FY: - Revenue: ₹18,590.0 Cr
5.2
ESG Risk
Score /10
Compliance RiskEpr ExposureGhg Intensity

Risk Breakdown

GHG Intensity
5.0
Water Intensity
5.0
Waste Intensity
1.0
EPR Exposure
6.5
Compliance Risk
10.0
HR Risk
3.0
Governance Risk
3.0

Financial Exposure

Est. Compliance Cost₹30–112 crore
EPR ApplicableUnknown
Scope 1 Emissions— tCO2e
Scope 2 Emissions— tCO2e
Water Withdrawal— m³
Waste Generated162.9 T

Governance

Anti-Corruption PolicyYes
Conflict of Interest PolicyYes
BRSR AssurancePartial
Assurance ProviderIntertek India Private Limited

Double Materiality

Financial Materiality5.2
Impact Materiality4.6
QuadrantFinancially Material

Supply Chain

MSME Sourcing0.3%
Lifecycle AssessmentNo
Product ReclaimYes

Material Risks

e-waste

ESG Targets & Commitments

TopicTarget / MetricStatus
Human Rights in Supply Chain HR clauses in all contracts Commitment

AI Risk Summary

**AU Small Finance Bank Limited – ESG Financial Risk Summary** AU Small Finance Bank faces critical compliance exposure of ₹30–112 crore in potential regulatory costs, driven by a maximum compliance risk score of 10.0/10 and material EPR (Extended Producer Responsibility) exposure of 6.5/10 under SEBI BRSR Core Expansion and P6 environmental disclosure mandates. The bank's largest financial vulnerability lies in uncertain EPR applicability and inadequate environmental disclosure frameworks—non-compliance risks SEBI enforcement action and delisting for systemically important financial institutions. With revenue of ₹18,590 crore, these compliance deficiencies represent 0.16–0.60% of annual turnover and demand immediate remediation of emissions measurement, water intensity tracking, and regulatory reporting gaps to avoid enforcement penalties and institutional credibility damage.

Source: AU Small Finance Bank Limited BRSR Filing, FY -. Derived from the company's own public disclosures. Not investment advice or a regulatory determination.

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