AU Small Finance Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	AU Small Fin. Bank	IDFC First Bank	Yes Bank
Operational Metrics
Banks
CASA vs Liabilities	23.21 %	36.28 %	23.27 %
Fresh Slippages - Quarterly	908.0 Crs	n/a	1248.0 Crs
Credit Deposit Ratio	87.0 %	94.2 %	84.5 %
Net Interest Margin	5.5 %	5.59 %	2.5 %
CASA Ratio	29.0 %	50.1 %	33.7 %
NBFC
Capital to Risks Assets Ratio (CRAR)	18.8 %	14.34 %	16.1 %
Tier I Capital	16.9 %	12.27 %	13.2 %
AUM - NBFC	122877.0 Crs	n/a	n/a
Gross NPA	2.41 %	n/a	n/a
Net NPA	0.88 %	n/a	n/a
Cost To Income Ratio	57.7 %	70.9 %	67.1 %
Cost of Borrowing	6.83 %	6.23 %	6.0 %
Unclassified
Tier 2 Capital	1.9 %	2.07 %	2.9 %
Yield On Advances	13.9 %	n/a	9.5 %
Financials
5 yr Average ROE	21.88 %	5.71 %	0.23 %
5yr average Equity Multiplier	8.05	9.12	8.99
5yr Average Asset Turnover Ratio	0.13	0.12	0.08
5yr Avg Net Profit Margin	21.11 %	4.8 %	0.59 %
5yr Avg Net Profit Margin	21.11 %	4.8 %	0.59 %
5yr CAGR Net Profit	22.55 %	25.27 %	n/a
5yr CAGR Sales	64.84 %	19.05 %	9.88 %
5 yr CAGR PPOP	n/a	23.76 %	-1.37 %
Price to Book	3.73	1.45	1.43
P/E	31.44	46.82	24.81
Shareholdings
Promoter Holding	22.82 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.76 %	-36.47 %	0.0
Change in Mutual Fund Holding (3 Yrs)	10.0 %	7.46 %	2.51 %

Business

	AU Small Fin. Bank	IDFC First Bank	Yes Bank
Loan Break-Up	Loan Break-Up Priority Sector 60.61 Non Priority Sector 39.39 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Infrastructure 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0	Loan Break-Up Wheels 12.0 Non Priority Sector 0 Corporate Banking 0 Rural Finance 6.0 Infrastructure 1.0 Emerging Large Corporates 7.0 Small & Medium Enterprises (SME) loans 5.0 Consumer Finance 3.0 Loan Against Property 28.0 Retail Banking 0 Digital, Gold Loan and Others 1.0 Financial Services 9.0 Large Industries 1.0 Commercial Finance 3.0 Investment Banking 0 Credit Cards 3.0 Small and Micro Enterprise 0 Priority Sector 0 Medium Enterprise 0 Others 21.0	Loan Break-Up Wheels 0 Non Priority Sector 0 Corporate Banking 26.77 Rural Micro Finance 0 Infrastructure 0 Emerging Large Corporates 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Consumer Finance 48.28 Digital, Gold Loan and Others 0 Financial Institutional Group 0 Large Corporates 0 Commercial Finance 0 Investment Banking 0 Credit Cards 0 Small and Micro Enterprise 0 Priority Sector 0 Medium Enterprise 0 Others 24.95
Segment Break-Up	Segment Break-Up Consumer Finance 73.1 Treasury Operations 14.79 Corporate Banking 9.63 Retail Banking 0 Corporate/Wholesale Banking 0 Others 2.48	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Consumer Finance 56.96 Corporate Banking 11.69 Treasury Operations 0 Others 31.35	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Consumer Finance 42.27 Corporate Banking 33.95 Treasury Operations 0 Others 23.78
Location Wise Break-Up	Location Wise Break-Up Rajasthan 26.0 Maharashtra 16.0 Gujarat 11.0 Punjab 5.0 Delhi 5.0 Uttar Pradesh 3.0 Andhra Pradesh 3.0 Tamil Nadu 2.0 Karnataka 2.0 West Bengal 0 Kerala 0 Rest of the World 0 India 0 Others 27.0	Location Wise Break-Up Karnataka 0 Uttar Pradesh 0 Rest of the World 0 Punjab 0 Gujarat 0 India 100.0 Tamil Nadu 0 Kerala 0 Andhra Pradesh 0 Delhi 0 Rajasthan 0 West Bengal 0 Maharashtra 0	Location Wise Break-Up Karnataka 0 Uttar Pradesh 0 Rest of the World 0 Punjab 0 Gujarat 0 India 100.0 Tamil Nadu 0 Kerala 0 Andhra Pradesh 0 Delhi 0 Rajasthan 0 West Bengal 0 Maharashtra 0
Distribution Channel	Distribution Channel Sales Executives 60.99 AU Value – Dealerships & equivalent 24.0 Telemarketing 7.0 Employee Cross-sell (including AU BUSINESS mobile application) 6.0 AU Connect – Referrals & equivalent 2.0 Digital services 0.01 Banking Outlet (BO) & Business Correspondents (BC) 0.01	-	-
Borrowings Break-Up	Borrowings Break-Up Banking 3.43 Reserve Bank of India 0 Borrowings outside India 0 Tier II Borrowings 0 IPDI 0 Others 96.57	Borrowings Break-Up Borrowings outside India 1.99 IPDI 0 Banking 0 Tier II Borrowings 0 Reserve Bank of India 15.04 Others 82.97	Borrowings Break-Up Borrowings outside India 12.95 IPDI 0 Banking 0 Tier II Borrowings 19.47 Reserve Bank of India 1.54 Others 66.04
Profit Before Tax	Profit Before Tax Treasury 9.62 Retail Banking 0 Wholesale Banking 0 Others 90.38	Profit Before Tax Retail Banking 10.18 Treasury 0 Wholesale Banking 89.82	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 25.2 Retail Banking 0 Wholesale Banking 0 Others 74.8	Asset Break-Up - Segment Wise Retail Banking 56.55 Treasury 29.35 Wholesale Banking 13.39 Others 0.71	-
Deposit Break-Up	Deposit Break-Up Rajasthan 22.0 Maharashtra 20.0 Delhi 14.0 Gujarat 8.0 Punjab 7.0 Haryana 7.0 Madhya Pradesh 4.0 Uttar Pradesh 3.0 Himachal Pradesh 2.0 Chhattisgarh 0 Goa 0 Others 13.0	-	-
NPA Break-Up	NPA Break-Up Services 46.4 Personal Loan 25.11 Agricultural 20.84 Priority Sector 7.65 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Corporate 0 MSME 0 Retail 0	NPA Break-Up Industrial & Commercial 18.26 Auto loans 10.48 Housing 4.67 Retail 0 Services 18.1 Infrastructure- Transport 0 MSME 0 Infrastructure- Energy 0 Agricultural 0 Personal Loan 0 Priority Sector 0 Corporate 0 Personal Loan 29.6 Others 18.89	NPA Break-Up Industry 0 Vehicle Loans 0 Housing 0 Retail 70.46 Services 0 Infrastructure- Transport 0 MSME 0 Infrastructure- Energy 0 Agricultural 0 Personal Loan 0 Priority Sector 0 Corporate 12.01 Personal Loans - Others 0 Others 17.53
Rural vs Urban	Rural vs Urban Rural 71.0 Urban 29.0 Semi-Urban 0 Metro 0	-	Rural vs Urban Semi-urban 26.0 Rural 19.0 Urban 21.0 Metro 34.0

AU Small Finance Bank Ltd.

AU Small Finance Bank Ltd.

Financial

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