| Sector |
Banking
|
Compare with Sector peers |
| Industry |
Bank - Private
|
Compare with Industry peers |
| Website | http://www.aubank.in | |
| Market Cap | 40,439.52 Cr. | |
| Enterprise Value(EV) | Cr. | - |
| Financial Indicators | ||
|---|---|---|
| Earnings per share (EPS) | 35.88 | Trailing Twelve Months Ending 2022-03 |
| Price-Earning Ratio (PE) | 35.79 | Trailing Twelve Months Ending 2022-03 |
| Industry PE | 20.41 | Trailing Twelve Months Ending 2022-03 |
| Book Value / Share | 238.61 | Trailing Twelve Months Ending 2022-03 |
| Price to Book Value | 5.38 | Calculated using Price: 1,284.15 |
| Dividend Yield | 0.08 | Period Ending 2021-03 |
| No. of Shares Subscribed | 31.49 Cr. | 314,912,731 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 |
|
-2.32% |
| 1 Week |
|
+0.82% |
| 1 Month |
|
-7.23% |
| 3 Month |
|
+1.76% |
| 6 Month |
|
+5.67% |
| 1 Year |
|
+30.19% |
| 2 Year |
|
+222.73% |
| 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 |
| 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 |
| 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 | 29 | 10 | 13 | 22 | 38 | 36 |
| 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 |
|
Tue, 10 May 2022
Compliances-Reg.24(A)-Annual Secretarial Compliance Pursuant to Regulation 24A of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 (as amended) read with SEBI Circular bearing Ref. No. CIR/CFD/CMD1/27/2019 dated 08th February 2019 we are submitting herewith the Annual Secretarial Compliance Report issued by M/s. V. M. & Associates Practicing Company Secretaries for the financial year ended on 31st March 2022. |
|
Thu, 05 May 2022
Announcement under Regulation 30 (LODR)-Investor Presentation We refer to our letter dated 04th May 2022 regarding schedule of Non-deal Roadshow / Analyst / Institutional Investor Meet and Investor Presentation thereof of AU Small Finance Bank Limited ("Bank"). In this connection please find enclosed herewith updated Investor Presentation. |
|
Wed, 04 May 2022
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation Disclosure of schedule of Non-deal Roadshow / Analyst / Institutional Investor Meet of AU Small Finance Bank Limited ("Bank") pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. A copy of the investor presentation for the non-deal road show is attached. |
| Wed, 18 May 2022 |
Closing Below Previous Low
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Close Within 52 Week High Zone
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High Decrease 1 Month
|
High Increase 1 Year
|
High Increase 2 Years
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