AU Small Finance Bank Ltd.

565.55 +4.20 ▲0.8%

28 March 2024, 04:01:00 PM
Volume: 69,916

Company Profile

Sector Banking Sector Icon Banking Compare with Sector peers
Industry Bank - Private Industry Icon Bank - Private Compare with Industry peers
Website http://www.aubank.in
Market Cap 37,844.48 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 23.74 Trailing Twelve Months Ending 2023-12
Price-Earning Ratio (PE) 23.82 Trailing Twelve Months Ending 2023-12
Industry PE 18.02 Trailing Twelve Months Ending 2023-12
Book Value / Share 180.63 Trailing Twelve Months Ending 2023-12
Price to Book Value 3.13 Calculated using Price: 565.55
Dividend Yield 0.18 Period Ending 2023-03
No. of Shares Subscribed 66.92 Cr. 669,162,451 Shares
FaceValue 10
About AU Small Finance Bank Ltd.
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.

AU Small Finance Bank Ltd. Delivery

Delivered Qty
Traded Qty

AU Small Finance Bank Ltd. Performance

1 Day
+0.75%
1 Week
+1.02%
1 Month
-4.11%
3 Month
-26.96%
6 Month
-24.16%
1 Year
-0.11%
2 Year
-6.20%
5 Year
+97.45%
10 Year

AU Small Finance Bank Ltd. Fundamental Ratios

7 years 2017-03 2018-03 2019-03 2020-03 2021-03 2022-03 2023-03
Return on Equity (%) 41.48 13.76 14.66 18.56 22.31 16.56 15.52
Return on Assets (%) 8.4 2.04 1.48 1.81 2.5 1.87 1.79
Net Interest Margin 8.4 5.19 4.23 4.65 4.71 4.8 5.03
Interest Spread (%) 12.57 7.96 7.19 9.37 8.29 8.26 9.05
Yield on Advances (%) 19.54 13.28 12.92 15.88 14.3 12.85 14.05

AU Small Finance Bank Ltd. Balance Sheet

Particulars 8 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. 2023-03 Rs. Cr. 2023-09* Rs. Cr.
Shh. Funds 1,988 2,281 3,163 4,377 6,275 7,514 10,977 11,763
Minority Int.
Deposits 7,923 19,422 26,164 35,979 52,585 69,365 75,743
Borrowings 7,120 7,639 8,613 10,335 7,030 5,991 6,299 5,344
Other Liab. 674 989 1,424 1,267 2,307 2,988 3,575 3,128
Total Liab. 9,781 18,833 32,623 42,143 51,591 69,078 90,216 95,977
Fixed Assets 276 386 447 448 482 623 740 757
Investments 2,150 3,051 7,162 10,668 10,815 15,307 20,072 23,220
Advances 6,551 13,312 22,819 26,992 34,609 46,095 58,422 64,168
Cash & Bank 625 1,761 1,740 3,370 4,781 5,929 9,425 6,257
Other Assets 179 323 455 665 903 1,125 1,557 1,574
Total Assets 9,781 18,833 32,623 42,143 51,591 69,078 90,216 95,977

AU Small Finance Bank Ltd. Profit and Loss

Particulars 8 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. 2023-03 Rs. Cr. 2023-12 Rs. Cr. TTM
Interest Earned 1,280 1,767 2,949 4,286 4,950 5,922 8,205 10,000
Other Income 810 388 462 706 1,421 994 1,034 1,523
Total Income 2,090 2,155 3,411 4,992 6,371 6,915 9,240 11,523
Operating Exp. -353 -753 -1,083 -1,418 -1,658 -2,413 -3,440 -4,135
Provisions -97 -133 -142 -283 -669 -361 -155 -347
PBIT 1,640 1,270 2,187 3,291 4,043 4,142 5,645 7,041
Interest -496 -827 -1,607 -2,377 -2,585 -2,688 -3,780 -4,967
Tax -321 -151 -198 -239 -288 -324 -437 -486
PAT 822 292 382 675 1,171 1,130 1,428 1,589
Adjusted EPS 14 5 7 11 19 18 21 24

AU Small Finance Bank Ltd. Cash Flow

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. 2023-03 Rs. Cr.
Cash Fr. Operatn. -2,405 2,505 848 660 5,056 6,849 5,494
Cash Fr. Inv. 552 -1,890 -2,305 -1,267 -990 -4,753 -4,320
Cash Fr. Finan. 2,448 521 1,436 2,237 -2,655 -948 2,323
Net Change 596 1,136 -21 1,629 1,412 1,147 3,497
Cash & Cash Eqvt 625 1,761 1,740 3,370 4,781 5,929 9,425

AU Small Finance Bank Ltd. Shareholding Pattern

9 Qtrs 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%) 2023-12 (%)
Promoter 28.33 28.23 28.21 25.58 25.55 25.54 25.53 25.49 25.46
Public 71.67 71.77 71.79 74.42 74.45 74.46 74.47 74.51 74.54
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
No. of Shareholders (in Lacs)

AU Small Finance Bank Ltd. Announcements

Wed, 27 Mar 2024
Appointed Date For Amalgamation Of Fincare Small Finance Bank Limited With And Into AU Small Finance Bank Limited
This is in continuation to our letter dated March 4 2024 informing about approval of the Reserve Bank of India (RBI) for the scheme of amalgamation of Fincare Small Finance Bank Limited (Transferor Company) with and into AU Small Finance Bank Limited (Transferee Company) (Amalgamation Scheme) and April 1 2024 as the effective date of amalgamation. In this regard we would like to inform that on the request of the Transferor Company and Transferee Company RBI has approved for modification of appointed date as April 1 2024 as against the appointed date mentioned in the Amalgamation Scheme i.e. February 1 2024.Accordingly the effective date and appointed date for the amalgamation of Fincare Small Finance Bank Limited with and into AU Small Finance Bank Limited is April 1 2024 and there has been no other change in the Amalgamation Scheme. We kindly request you to the take the disclosure on record and bring the same to the notice of all concerned.
Wed, 27 Mar 2024
Disclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015
Tue, 26 Mar 2024
Disclosure Under Regulation 30 Read With Clause 7 Of Para A Of Part A Of Schedule III Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015
We wish to inform that on the recommendations of the Audit Committee and the Nomination and Remuneration Committee the Board of Directors of the Bank at its meeting held today i.e. on March 26 2024 has approved the re-appointment of Mr. Ashok Kumar Khandelwal Chief Compliance Officer for a further period of 3 years w.e.f. April 17 2024 pursuant to RBI guidelines for Compliance functions in banks and Role of Chief Compliance Officer dated September 11 2020.The above disclosure is made in compliance of the Listing Regulations read with SEBI circular SEBI/HO/CFD/CFD-PoD-1/P/CIR/2023/123 dated July 13 2023 and details are covered in the Annexure. The above information is also made available on the website of the Bank www.aubank.in.

AU Small Finance Bank Ltd. Technical Scans

Thu, 28 Mar 2024
Close Within 52 Week Low Zone Close Within 52 Week Low Zone
Making Higher Highs for 2 Days Making Higher Highs for 2 Days
High Decrease in 3 Months High Decrease in 3 Months
High Decrease in 6 Months High Decrease in 6 Months
Closing Near 20 SMA Closing Near 20 SMA

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Punjab National Bank Consolidated 2023-03 3,069.34 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14,687.88 264.05 +2.0%

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