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Website | http://www.aubank.in | |
Market Cap | 41,909.45 Cr. | |
Enterprise Value(EV) | Cr. | - |
Financial Indicators | ||
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Earnings per share (EPS) | 20.24 | Trailing Twelve Months Ending 2022-12 |
Price-Earning Ratio (PE) | 31.06 | Trailing Twelve Months Ending 2022-12 |
Industry PE | 18.38 | Trailing Twelve Months Ending 2022-12 |
Book Value / Share | 157.06 | Trailing Twelve Months Ending 2022-12 |
Price to Book Value | 4.00 | Calculated using Price: 628.70 |
Dividend Yield | 0.08 | Period Ending 2022-03 |
No. of Shares Subscribed | 66.66 Cr. | 666,604,903 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. |
1 Day |
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+0.51% |
1 Week |
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+3.99% |
1 Month |
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-3.44% |
3 Month |
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+2.29% |
6 Month |
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+3.18% |
1 Year |
|
-8.92% |
2 Year |
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+30.83% |
5 Year |
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+97.10% |
10 Year |
|
6 years | 2017-03 | 2018-03 | 2019-03 | 2020-03 | 2021-03 | 2022-03 | |
Return on Equity (%) | 41.48 | 13.76 | 14.66 | 18.56 | 22.31 | 16.56 | |
Return on Assets (%) | 8.40 | 2.04 | 1.48 | 1.81 | 2.50 | 1.87 | |
Net Interest Margin | 8.40 | 5.19 | 4.23 | 4.65 | 4.71 | 4.80 | |
Interest Spread (%) | 12.57 | 7.96 | 7.19 | 9.37 | 8.29 | 8.26 | |
Yield on Advances (%) | 19.54 | 13.28 | 12.92 | 15.88 | 14.30 | 12.85 |
Particulars | 7 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. | 2022-09* Rs. Cr. |
Shh. Funds | 1,988 | 2,281 | 3,163 | 4,377 | 6,275 | 7,514 | 10,114 | |
Minority Int. | ||||||||
Deposits | 7,923 | 19,422 | 26,164 | 35,979 | 52,585 | 58,335 | ||
Borrowings | 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | 5,991 | 6,695 | |
Other Liab. | 674 | 989 | 1,424 | 1,267 | 2,307 | 2,988 | 2,733 | |
Total Liab. | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 77,878 | |
Fixed Assets | 276 | 386 | 447 | 448 | 482 | 623 | 681 | |
Investments | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,307 | 20,220 | |
Advances | 6,551 | 13,312 | 22,819 | 26,992 | 34,609 | 46,095 | 51,743 | |
Cash & Bank | 625 | 1,761 | 1,740 | 3,370 | 4,781 | 5,929 | 3,949 | |
Other Assets | 179 | 323 | 455 | 665 | 903 | 1,125 | 1,285 | |
Total Assets | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 77,878 |
Particulars | 7 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. | 2022-12 Rs. Cr. TTM |
Interest Earned | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 7,598 | |
Other Income | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,013 | |
Total Income | 2,090 | 2,155 | 3,411 | 4,992 | 6,371 | 6,915 | 8,610 | |
Operating Exp. | -353 | -753 | -1,083 | -1,418 | -1,658 | -2,413 | -3,231 | |
Provisions | -97 | -133 | -142 | -283 | -669 | -361 | -207 | |
PBIT | 1,640 | 1,270 | 2,187 | 3,291 | 4,043 | 4,142 | 5,173 | |
Interest | -496 | -827 | -1,607 | -2,377 | -2,585 | -2,688 | -3,449 | |
Tax | -321 | -151 | -198 | -239 | -288 | -324 | -374 | |
PAT | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,349 | |
Adjusted EPS | 14 | 5 | 7 | 11 | 19 | 18 | 21 |
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. |
Cash Fr. Operatn. | -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | |
Cash Fr. Inv. | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | |
Cash Fr. Finan. | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | |
Net Change | 596 | 1,136 | -21 | 1,629 | 1,412 | 1,147 | |
Cash & Cash Eqvt | 625 | 1,761 | 1,740 | 3,370 | 4,781 | 5,929 |
Fri, 03 Feb 2023
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation Pursuant to Regulation 30 read with point 15 of Para A of Part A of Schedule III of the Listing Regulations we submit here enclosed the details of Analysts/Institutional Investors meet. List of participants will be submitted post Investor meet. No Unpublished Price Sensitive Information is proposed to be shared during the meeting(s)/call(s). In compliance of regulation 46(2)(o) of the Listing Regulations the information is being hosted on the Banks website at www.aubank.in. |
Fri, 03 Feb 2023
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate Pursuant to Regulation 39(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 we wish to inform that the Bank has issued Letter of Confirmation in lieu of duplicate share certificate to the shareholder(s) as per procedure prescribed under applicable SEBI circulars. please refer attachment for details.This is for your information and records. |
Fri, 27 Jan 2023
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS We hereby inform that the Bank has allotted 92 792 equity shares of face value of Rs. 10/- each on 27th January 2023 pursuant to exercise of equivalent number of Employee Stock Options under the ESOP Schemes as per the applicable regulations.The paid-up equity share capital of the Bank will accordingly increase from Rs. 6 66 51 21 110 to Rs. 6 66 60 49 030. |
Fri, 03 Feb 2023 |
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