AU Small Finance Bank Ltd.

Financial

	AU Small Fin. Bank	Federal Bank	IDFC First Bank
Operational Metrics
Banking Sector
CASA vs Liabilities	22.99 %	23.64 %	34.38 %
Fresh Slippages - Quarterly	894.0 Crs	486.0 Crs	n/a
Credit Deposit Ratio	86.0 %	86.48 %	94.45 %
Net Interest Margin	5.94 %	3.11 %	6.1 %
CASA Ratio	29.2 %	30.16 %	46.9 %
NBFC
Capital to Risks Assets Ratio (CRAR)	20.1 %	15.16 %	15.48 %
Tier I Capital	18.8 %	13.78 %	13.17 %
AUM - NBFC	108778.0 Crs	n/a	n/a
Gross NPA	2.28 %	n/a	n/a
Net NPA	0.74 %	n/a	n/a
Cost To Income Ratio	55.0 %	53.12 %	71.8 %
Cost of Borrowing	7.07 %	6.01 %	6.51 %
Unclassified
Tier 2 Capital	1.3 %	1.38 %	2.31 %
Yield On Advances	14.4 %	9.39 %	n/a
Financials
5 yr Average ROE	23.49 %	12.58 %	1.48 %
5yr average Equity Multiplier	7.85	11.84	9.25
5yr Average Asset Turnover Ratio	0.13	0.08	0.11
5yr Avg Net Profit Margin	22.51 %	12.46 %	0.95 %
5yr Avg Net Profit Margin	22.51 %	12.46 %	0.95 %
5yr CAGR Net Profit	15.03 %	19.53 %	n/a
5yr CAGR Sales	51.77 %	11.6 %	15.08 %
5 yr CAGR PPOP	n/a	11.2 %	25.93 %
Price to Book	2.94	1.4	1.25
P/E	23.99	11.61	31.88
Shareholdings
Promoter Holding	22.87 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.36 %	0.0	-36.49 %
Change in Mutual Fund Holding (3 Yrs)	8.95 %	2.24 %	3.99 %

Business

	AU Small Fin. Bank	Federal Bank	IDFC First Bank
Segment Break-Up	Segment Break-Up Consumer Finance 72.89 Treasury Operations 15.05 Corporate Banking 9.28 Retail Banking 0 Corporate/ Whole sale Banking 0 Corporate/Wholesale Banking 0 Others 2.78	Segment Break-Up Corporate Banking 26.1 Corporate Banking 0 Consumer Finance 59.36 Treasury Operations 0 Corporate/Wholesale Banking 0 Consumer Finance 0 Others 14.54	Segment Break-Up Corporate/ Whole sale Banking 0 Corporate Banking 0 Consumer Finance 55.66 Treasury Operations 0 Corporate Banking 11.48 Consumer Finance 0 Others 32.86
Loan Break-Up	Loan Break-Up Priority Sector 62.09 Non Priority Sector 37.91 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 0 Agriculture and allied activities 0 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0	Loan Break-Up MSME Loans 0 Rural Micro Finance 0 Commercial Real Estate 3.16 Credit Cards 0 Priority Sector 0 Consumer Loans 0 Trading 5.66 Agricultural 12.58 Digital, Gold Loan and Others 0 Infrastructure 6.99 Mortgage Loans 0 Priority Sector 12.7 Non Priority Sector 0 Financial Institutional Group 0 Personal Loan 2.52 Emerging Large Corporates 0 Large Corporates 0 Wheels 0 NBFC 11.29 Commercial Finance 0 Others 45.1	Loan Break-Up Small & Medium Enterprises (SME) loans 6.0 Rural Finance 8.0 Commercial Real Estate 0 Credit Cards 3.0 Priority Sector 0 Consumer Finance 3.0 Trade 0 Agriculture and allied activities 0 Digital, Gold Loan and Others 0.3 Infrastructure 1.0 Loan Against Property 29.0 0 Non Priority Sector 0 Financial Services 9.0 Personal Loan 0 Emerging Large Corporates 6.0 Large Industries 1.0 Wheels 10.41 NBFCs 0 Commercial Finance 3.0 Others 20.29
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 Rajasthan 0 West Bengal 0 Punjab 0 Tamil Nadu 0 India 100.0 Andhra Pradesh 0 Delhi 0 Karnataka 0 Maharashtra 0 Rest of the World 0 Uttar Pradesh 0 Kerala 0 Gujarat 0	Location Wise Break-Up Rajasthan 0 West Bengal 0 Punjab 0 Tamil Nadu 0 India 100.0 Andhra Pradesh 0 Delhi 0 Karnataka 0 Maharashtra 0 Rest of the World 0 Uttar Pradesh 0 Kerala 0 Gujarat 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 5.71 Reserve Bank of India 0 Borrowings outside India 0 Reserve Bank of India ( India ) 0 Others 94.29	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 14.3 Reserve Bank of India 11.33 Banking 0 Others 74.37	Borrowings Break-Up Reserve Bank of India 13.74 Borrowings outside India 0.63 Reserve Bank of India ( India ) 0 Banking 0 Others 85.63
Profit Before Tax	Profit Before Tax Treasury 20.15 Retail Banking 0 Wholesale Banking 0 Others 79.85	-	Profit Before Tax Retail Banking 0 Treasury 50.53 Wholesale Banking 49.47
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 27.79 Retail Banking 0 Wholesale Banking 0 Others 72.21	Asset Break-Up - Segment Wise Retail Banking 42.17 Treasury 21.68 Wholesale Banking 0 Others 36.15	Asset Break-Up - Segment Wise Retail Banking 57.42 Treasury 28.96 Wholesale Banking 12.85 Others 0.77
Rural vs Urban	Rural vs Urban Rural 71.0 Urban 29.0	-	-
NPA Break-Up	NPA Break-Up Services 0.96 Personal Loan 0.33 Agricultural 0.25 Priority Sector 0.13 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Others 98.33	NPA Break-Up Priority Sector 0 Services 0 Trading 11.33 Infrastructure- Transport 0 Others 29.44 Personal Loans - Others 0 Vehicle Loans 0 Infrastructure 5.88 NBFC 0.04 Housing 0 Industry 0 Commercial Real Estate 0.74 Infrastructure- Energy 0 Personal Loan 0 Agricultural 0 Others 52.57	NPA Break-Up Priority Sector 0 Services 24.3 Trade 0 Infrastructure 15.16 Other Services 0 Personal Loan 31.68 Auto loans 7.7 Infrastructure 0 NBFCs 0 Housing 4.9 Industrial & Commercial 7.24 Commercial Real Estate 0 Infrastructure- Energy 0 Personal Loan 0 Agricultural 0 Others 9.02
Deposit Break-Up	Deposit Break-Up Rajasthan 22.0 Maharashtra 20.0 Delhi 14.0 Punjab 8.0 Gujarat 8.0 Haryana 7.0 Uttar Pradesh 4.0 Madhya Pradesh 4.0 Himachal Pradesh 2.0 Chhattisgarh 0 Goa 0 Others 11.0	-	-

AU Small Finance Bank Ltd.

AU Small Finance Bank Ltd.

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