AU Small Finance Bank Ltd.
Snapshot View

615.30 +4.90 ▲0.8%

24 June 2022, 04:01:00 PM
Volume: 32,478

Overview View Details

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.aubank.in
Market Cap 38,819.49 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 17.93 Trailing Twelve Months Ending 2022-03
Price-Earning Ratio (PE) 34.36 Trailing Twelve Months Ending 2022-03
Industry PE 19.91 Trailing Twelve Months Ending 2022-03
Book Value / Share 124.24 Trailing Twelve Months Ending 2022-03
Price to Book Value 4.96 Calculated using Price: 616.00
Dividend Yield 0.08 Period Ending 2021-03
No. of Shares Subscribed 63.02 Cr. 630,186,466 Shares
FaceValue 10
Company Profile
The company is a small finance bank (SFB) that has recently transitioned from a prominent, retail focused non-banking finance company (NBFC), which primarily served low and middle-income individuals and businesses that have limited or no access to formal banking and finance channels.As an NBFC, the company operated in three business lines: vehicle finance; micro, small and medium enterprises (MSMEs) loans; and small and medium enterprises (SMEs) loans. As it commenced the 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 the 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. Transitioning to an SFB has offered it significant growth potential and it aims to be a retail focused, preferred trusted SFB offering integrated and tailored solutions to customers.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
+0.80%
1 Week
-1.32%
1 Month
-7.02%
3 Month
-0.89%
6 Month
+19.79%
1 Year
+21.84%
2 Year
+118.85%
5 Year
10 Year
5 years 2017-03 2018-03 2019-03 2020-03 2021-03
Return on Equity (%) 41.48 13.76 14.66 18.56 22.31
Return on Assets (%) 8.40 2.04 1.48 1.81 2.50
Net Interest Margin 8.40 5.19 4.23 4.65 4.71
Interest Spread (%) 12.57 7.96 7.19 9.37 8.29
Yield on Advances (%) 19.54 13.28 12.92 15.88 14.30

Balance Sheet View Details

Particulars 6 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03* Rs. Cr.
Shh. Funds 1,988 2,281 3,163 4,377 6,275 7,514
Minority Int.
Deposits 7,923 19,422 26,164 35,979 52,585
Borrowings 7,120 7,639 8,613 10,335 7,030 5,991
Other Liab. 674 989 1,424 1,267 2,307 2,988
Total Liab. 9,781 18,833 32,623 42,143 51,591 69,078
Fixed Assets 276 386 447 448 482 623
Investments 2,150 3,051 7,162 10,668 10,815 15,307
Advances 6,551 13,312 22,819 26,992 34,609 46,095
Cash & Bank 625 1,761 1,740 3,370 4,781 5,929
Other Assets 179 323 455 665 903 1,125
Total Assets 9,781 18,833 32,623 42,143 51,591 69,078

Profit Loss View Details

Particulars 6 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. TTM
Interest Earned 1,280 1,767 2,949 4,286 4,950 5,922
Other Income 810 388 462 706 1,452 962
Total Income 2,090 2,155 3,411 4,992 6,402 6,884
Operating Exp. -353 -753 -1,083 -1,418 -1,658 -2,413
Provisions -97 -133 -142 -283 -700 -329
PBIT 1,640 1,270 2,187 3,291 4,043 4,142
Interest -496 -827 -1,607 -2,377 -2,585 -2,688
Tax -321 -151 -198 -239 -288 -324
PAT 822 292 382 675 1,171 1,130
Adjusted EPS 14 5 7 11 19 18

Cash Flow View Details

Particulars 5 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Cash Fr. Operatn. -2,405 2,505 848 660 5,056
Cash Fr. Inv. 552 -1,890 -2,305 -1,267 -990
Cash Fr. Finan. 2,448 521 1,436 2,237 -2,655
Net Change 596 1,136 -21 1,629 1,412
Cash & Cash Eqvt 625 1,761 1,740 3,370 4,781

Shareholding Pattern View Details

9 Qtrs 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%)
Promoter 30.95 29.01 29.00 28.98 28.47 28.41 28.39 28.33 28.23
Public 69.05 70.99 71.00 71.02 71.53 71.59 71.61 71.67 71.77
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 7.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Wed, 22 Jun 2022
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 (Listing Regulations) Pursuant to the applicable provisions of the Listing Regulations please find enclosed details of Investor group conference call held on Tuesday 21st June 2022.
Sun, 19 Jun 2022
Foreign Shareholding In The AU Small Finance Bank
With reference to above captioned subject the Bank has received some queries on its aggregate foreign shareholding in view of an erroneous disclosure by CDSL & NSDL on their website on 17th June 2022 regarding foreign shareholding in the Bank reaching within 3% of the Sectoral cap. The said disclosure by CDSL & NSDL has now been rectified.In this regard with a view to have a fair and transparent disclosure we wish to inform you that the foreign shareholding in the Bank was ~38% of its total issued and paid-up share capital as on 17th June 2022 which is within the sectoral limit of 49% for private sector banks under automatic route of investment.
Tue, 14 Jun 2022
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Pursuant to the applicable provisions of the Listing Regulations please find enclosed details of Investor group meeting held on Tuesday 14th June 2022.

Technical Scans View Details

Fri, 24 Jun 2022
High Decrease 1 Month High Decrease 1 Month
High Increase 2 Years High Increase 2 Years
Closing Near 200 SMA Closing Near 200 SMA
Close Crossing 200 SMA From Below Close Crossing 200 SMA From Below
Closing Near 20 SMA Closing Near 20 SMA

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