| Sector |
Banking
|
Compare with Sector peers |
| Industry |
Bank - Private
|
Compare with Industry peers |
| Website | http://www.aubank.in | |
| Financial Indicators | ||
|---|---|---|
| Market Cap | 36,909.34 Cr. | |
| Earnings per share (EPS) | 37.41 | Trailing Twelve Months Ending 2021-03 |
| Price-Earning Ratio (PE) | 31.53 | Trailing Twelve Months Ending 2021-03 |
| Industry PE | 27.37 | Trailing Twelve Months Ending 2021-03 |
| Book Value / Share | 197.25 | Trailing Twelve Months Ending 2021-03 |
| Price to Book Value | 5.98 | Calculated using Price: 1,179.45 |
| Dividend Yield | 0.00 | Period Ending 2021-03 |
| No. of Shares Subscribed | 31.29 Cr. | 312,936,880 Shares |
| FaceValue | 10 | |
| Company Profile | ||
|
The company was originally incorporated as ‘L.N. Finco Gems Private Limited’ on January 10, 1996 as a private limited company under the Companies Act, 1956 with the RoC. Pursuant to the change of name of the company to Au Financiers (India) Private Limited to reflect the diversified finance business of the company, a fresh certificate of incorporation was issued by the RoC on May 24, 2005. The company was converted into a public limited company by way of a special resolution passed by its shareholders at the EGM held on January 10, 2013 and the name of the company was changed to ‘Au Financiers (India) Limited’. A fresh certificate of incorporation consequent upon conversion to a public limited company was issued by the RoC on January 11, 2013. The company was granted the in-principle approval to establish an SFB by the RBI, pursuant to its letter dated October 7, 2015. Subsequently, the RBI granted the company the final approval to establish an SFB by its letter dated December 20, 2016. Pursuant to the company being established as an SFB, the name of the company was changed to ‘AU Small Finance Bank Limited’ and a fresh certificate of incorporation was issued by the RoC on April 13, 2017. 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. It received a license from the Reserve Bank of India to set up an SFB on December 20, 2016 and it was the only NBFC categorized as an asset finance company to obtain such license. It commenced its SFB operations with effect from April 19, 2017. Prior to such date, the company was categorized as a ‘Systemically Important, Non-Deposit Accepting Asset Finance Company’ (NBFCND- AFC) by the RBI. Business area of the company 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. Awards:
History and Milestones:
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Company Profile
The company was originally incorporated as ‘L.N. Finco Gems Private Limited’ on January 10, 1996 as a private limited company under the Companies Act, 1956 with the RoC. Pursuant to the change of name of the company to Au Financiers (India) Private Limited to reflect the diversified finance business of the company, a fresh certificate of incorporation was issued by the RoC on May 24, 2005. The company was converted into a public limited company by way of a special resolution passed by its shareholders at the EGM held on January 10, 2013 and the name of the company was changed to ‘Au Financiers (India) Limited’. A fresh certificate of incorporation consequent upon conversion to a public limited company was issued by the RoC on January 11, 2013. The company was granted the in-principle approval to establish an SFB by the RBI, pursuant to its letter dated October 7, 2015. Subsequently, the RBI granted the company the final approval to establish an SFB by its letter dated December 20, 2016. Pursuant to the company being established as an SFB, the name of the company was changed to ‘AU Small Finance Bank Limited’ and a fresh certificate of incorporation was issued by the RoC on April 13, 2017.
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. It received a license from the Reserve Bank of India to set up an SFB on December 20, 2016 and it was the only NBFC categorized as an asset finance company to obtain such license. It commenced its SFB operations with effect from April 19, 2017. Prior to such date, the company was categorized as a ‘Systemically Important, Non-Deposit Accepting Asset Finance Company’ (NBFCND- AFC) by the RBI.
Business area of the company
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.
Awards:
History and Milestones:
| 1 Day |
|
+0.88% |
| 1 Week |
|
-2.73% |
| 1 Month |
|
+13.42% |
| 3 Month |
|
+11.91% |
| 6 Month |
|
+33.04% |
| 1 Year |
|
+48.82% |
| 2 Year |
|
+78.24% |
| 5 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 | |
| Yield on Advances (%) | 19.54 | 13.28 | 12.92 | 15.88 | 14.30 |
| Particulars | 5 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. |
| Shh. Funds | 1,988 | 2,281 | 3,163 | 4,377 | 6,275 | |
| Minority Int. | ||||||
| Deposits | 7,923 | 19,422 | 26,164 | 35,979 | ||
| Borrowings | 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | |
| Other Liab. | 674 | 989 | 1,424 | 1,267 | 2,307 | |
| Total Liab. | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | |
| Fixed Assets | 276 | 386 | 447 | 448 | 482 | |
| Investments | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | |
| Advances | 6,551 | 13,312 | 22,819 | 26,992 | 34,609 | |
| Cash & Bank | 625 | 1,761 | 1,740 | 3,370 | 4,781 | |
| Other Assets | 179 | 323 | 455 | 665 | 903 | |
| Total Assets | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 |
| Particulars | 5 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. |
| Interest Earned | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | |
| Other Income | 810 | 388 | 462 | 706 | 1,452 | |
| Total Income | 2,090 | 2,155 | 3,411 | 4,992 | 6,402 | |
| Operating Exp. | -353 | -753 | -1,083 | -1,418 | -1,658 | |
| Provisions | -97 | -133 | -142 | -283 | -700 | |
| PBIT | 1,640 | 1,270 | 2,187 | 3,291 | 4,043 | |
| Interest | -496 | -827 | -1,607 | -2,377 | -2,585 | |
| Tax | -321 | -151 | -198 | -239 | -288 | |
| PAT | 822 | 292 | 382 | 675 | 1,171 |
| 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 |
|
Fri, 23 Jul 2021
Reg. 34 (1) Annual Report Pursuant to the Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 (Listing Regulations) we wish to inform that the Twenty Sixth (26th) Annual General Meeting (AGM) of the Members of the Bank will be held on Tuesday 17th August 2021 at 10:30 A.M. (IST) through Video Conferencing (VC)/Other Audio Visual Means (OAVM) facility in compliance with the applicable provisions of the Companies Act 2013 read with rules made thereunder Listing Regulations and relevant Ministry of Corporate Affairs and SEBI Circulars. We submit herewith a copy of the Integrated Annual Report for FY 2020-21 including Notice convening the 26th AGM of the Bank. The Integrated Annual Report for FY 2020-21 Notice of the 26th AGM and Business Responsibility Report for the FY 2020-21 is also available on the website of the Bank www.aubank.in. |
|
Mon, 19 Jul 2021
Shareholding for the Period Ended June 30 2021 AU Small Finance Bank Ltd has submitted to BSE the Shareholding Pattern for the Period Ended June 30 2021. For more details kindly Click here |
|
Thu, 15 Jul 2021
Announcement under Regulation 30 (LODR)-Newspaper Publication Newspaper Advertisement for 26th Annual General Meeting through Video Conferencing/other Audio-Visual means (VC/OAVM) facility |
| Mon, 26 Jul 2021 |
Strongly Outperforming Benchmark Index
|
Strongly Outperforming Sectoral Index
|
Close Within 2 Year High Zone
|
Both SRS And ARS Above Zero
|
NR 4 Breakout
|
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