AU Small Finance Bank Ltd.

755.05 -7.65 ▼-1.0%

08 June 2023, 04:01:00 PM
Volume: 62,103

Company Profile

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.aubank.in
Market Cap 50,356.59 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 21.41 Trailing Twelve Months Ending 2023-03
Price-Earning Ratio (PE) 35.27 Trailing Twelve Months Ending 2023-03
Industry PE 19.56 Trailing Twelve Months Ending 2023-03
Book Value / Share 164.60 Trailing Twelve Months Ending 2023-03
Price to Book Value 4.59 Calculated using Price: 755.05
Dividend Yield 0.13 Period Ending 2022-03
No. of Shares Subscribed 66.69 Cr. 666,930,500 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
-1.00%
1 Week
-1.88%
1 Month
+9.28%
3 Month
+19.49%
6 Month
+12.24%
1 Year
+19.96%
2 Year
+49.92%
5 Year
+115.36%
10 Year

AU Small Finance Bank Ltd. Fundamental Ratios

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

AU Small Finance Bank Ltd. Balance Sheet

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

AU Small Finance Bank Ltd. Profit and Loss

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. TTM
Interest Earned 1,280 1,767 2,949 4,286 4,950 5,922 8,205
Other Income 810 388 462 706 1,421 994 1,034
Total Income 2,090 2,155 3,411 4,992 6,371 6,915 9,240
Operating Exp. -353 -753 -1,083 -1,418 -1,658 -2,413 -3,440
Provisions -97 -133 -142 -283 -669 -361 -155
PBIT 1,640 1,270 2,187 3,291 4,043 4,142 5,645
Interest -496 -827 -1,607 -2,377 -2,585 -2,688 -3,780
Tax -321 -151 -198 -239 -288 -324 -437
PAT 822 292 382 675 1,171 1,130 1,428
Adjusted EPS 14 5 7 11 19 18 22

AU Small Finance Bank Ltd. Cash Flow

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

AU Small Finance Bank Ltd. Shareholding Pattern

9 Qtrs 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%)
Promoter 28.47 28.41 28.39 28.33 28.23 28.21 25.58 25.55 25.54
Public 71.53 71.59 71.61 71.67 71.77 71.79 74.42 74.45 74.46
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

AU Small Finance Bank Ltd. Announcements

Fri, 26 May 2023
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
We hereby inform that the Bank has allotted 1 14 610 equity shares of face value of Rs. 10/- each on May 26 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 81 58 900 to Rs. 6 66 93 05 000.
Thu, 25 May 2023
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Pursuant to Regulation 30 read with point 15 of Para A of Part A of Schedule III of the Listing Regulations and in continuation to our letter no. AUSFB/SEC/2023-24/60 dated May 22 2023 we submit here with the details of Analysts/Institutional Investors meet.No Unpublished Price Sensitive Information was shared during the meet.In compliance of regulation 46 of the Listing Regulations the information is being hosted on the Banks website at www.aubank.in.
Mon, 22 May 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 herewith the details of Analysts/Institutional Investors meet.

AU Small Finance Bank Ltd. Technical Scans

Thu, 08 Jun 2023
Close Crossing Last Week Low Close Crossing Last Week Low
Close Within 52 Week High Zone Close Within 52 Week High Zone
Close Below Last Week Low Close Below Last Week Low
S Making Higher Highs for 2 Days
High Increase in 1 Month High Increase in 1 Month

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ICICI Bank Ltd. Consolidated 2022-03 15.49 937.30 -0.3%
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IndusInd Bank Ltd. Consolidated 2022-03 4,804.64 1,303.35 -0.6%
Bank Of Baroda Consolidated 2022-03 7,700.23 187.40 +0.0%

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