AU Small Finance Bank Ltd.
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628.70 +3.20 ▲0.5%

03 February 2023, 04:01:00 PM
Volume: 24,312

Overview View Details >>

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.aubank.in
Market Cap 41,909.45 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
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.

Delivery View Details >>

Delivered Qty
Traded Qty

Performance View Details >>

1 Day
+0.51%
1 Week
+3.99%
1 Month
-3.44%
3 Month
+2.29%
6 Month
+3.18%
1 Year
-8.92%
2 Year
+30.83%
5 Year
+97.10%
10 Year

Ratios View Details >>

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

Balance Sheet View Details >>

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

Profit Loss View Details >>

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

Cash Flow 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.
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

Shareholding Pattern View Details >>

9 Qtrs 2020-12 (%) 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%)
Promoter 28.98 28.47 28.41 28.39 28.33 28.23 28.21 25.58 25.55
Public 71.02 71.53 71.59 71.61 71.67 71.77 71.79 74.42 74.45
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details >>

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.

Technical Scans View Details >>

Fri, 03 Feb 2023
Closing Above Previous High Closing Above Previous High
Close Within 52 Week High Zone Close Within 52 Week High Zone
Closing Near 100 SMA Closing Near 100 SMA
Closing Near 200 SMA Closing Near 200 SMA
Closing Near 20 SMA Closing Near 20 SMA

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