Sector | Banking | Compare with Sector peers |
Industry | 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. |
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 |
|
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 |
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 |
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 |
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 |
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. |
Thu, 28 Mar 2024 |
Close Within 52 Week Low Zone |
Making Higher Highs for 2 Days |
High Decrease in 3 Months |
High Decrease in 6 Months |
Closing Near 20 SMA |