AU Small Finance Bank Ltd.

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747.00 +9.85 ▲1.3%

29 November 2023, 11:48:59 AM
Volume: 922,160

Company Profile

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Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.aubank.in
Market Cap 49,481.76 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 24.03 Trailing Twelve Months Ending 2023-09
Price-Earning Ratio (PE) 30.81 Trailing Twelve Months Ending 2023-09
Industry PE 18.54 Trailing Twelve Months Ending 2023-09
Book Value / Share 175.23 Trailing Twelve Months Ending 2023-09
Price to Book Value 4.23 Calculated using Price: 740.35
Dividend Yield 0.14 Period Ending 2023-03
No. of Shares Subscribed 66.84 Cr. 668,356,288 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

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Delivered Qty
Traded Qty

AU Small Finance Bank Ltd. Performance

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1 Day
+1.34%
1 Week
+3.78%
1 Month
+8.25%
3 Month
+1.11%
6 Month
-4.01%
1 Year
+16.95%
2 Year
+32.46%
5 Year
+155.14%
10 Year

AU Small Finance Bank Ltd. Fundamental Ratios

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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 (%) 8.40 2.04 1.48 1.81 2.50 1.87 1.79
Net Interest Margin 8.40 5.19 4.23 4.65 4.71 4.80 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 14.30 12.85 14.05

AU Small Finance Bank Ltd. Balance Sheet

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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

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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. TTM
Interest Earned 1,280 1,767 2,949 4,286 4,950 5,922 8,205 9,382
Other Income 810 388 462 706 1,421 994 1,034 1,369
Total Income 2,090 2,155 3,411 4,992 6,371 6,915 9,240 10,751
Operating Exp. -353 -753 -1,083 -1,418 -1,658 -2,413 -3,440 -3,909
Provisions -97 -133 -142 -283 -669 -361 -155 -221
PBIT 1,640 1,270 2,187 3,291 4,043 4,142 5,645 6,621
Interest -496 -827 -1,607 -2,377 -2,585 -2,688 -3,780 -4,521
Tax -321 -151 -198 -239 -288 -324 -437 -493
PAT 822 292 382 675 1,171 1,130 1,428 1,606
Adjusted EPS 14 5 7 11 19 18 21 24

AU Small Finance Bank Ltd. Cash Flow

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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

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9 Qtrs 2021-09 (%) 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%)
Promoter 28.39 28.33 28.23 28.21 25.58 25.55 25.54 25.53 25.49
Public 71.61 71.67 71.77 71.79 74.42 74.45 74.46 74.47 74.51
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

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Tue, 28 Nov 2023
Shareholders meeting
AU Small Finance Bank Limited has informed the Exchange about Shareholders meeting
Fri, 24 Nov 2023
Analysts/Institutional Investor Meet/Con. Call Updates
AU Small Finance Bank Limited has informed the Exchange about List of participants
Thu, 23 Nov 2023
Analysts/Institutional Investor Meet/Con. Call Updates
AU Small Finance Bank Limited has informed the Exchange about Schedule of meet

AU Small Finance Bank Ltd. Technical Scans

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Tue, 28 Nov 2023
Close Crossing Last Month High Close Crossing Last Month High
Closing Above Previous High Closing Above Previous High
Making Higher Highs for 3 days Making Higher Highs for 3 days
Close Within 52 Week High Zone Close Within 52 Week High Zone
Close Above Last Month High Close Above Last Month High

AU Small Finance Bank Ltd. Related Stocks

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IndusInd Bank Ltd. Consolidated 2023-03 7,443.13 1,482.50 +0.3%
Bank Of Baroda Consolidated 2023-03 14,687.88 197.35 +0.4%

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