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

Financial

	AU Small Fin. Bank	Indusind Bank	IDFC First Bank
Operational Metrics
Banking Sector
CASA vs Liabilities	23.03 %	22.82 %	35.19 %
Fresh Slippages - Quarterly	1027.0 Crs	2567.0 Crs	n/a
Credit Deposit Ratio	86.0 %	84.02 %	93.4 %
Net Interest Margin	5.4 %	3.46 %	5.71 %
CASA Ratio	29.0 %	31.0 %	48.0 %
NBFC
Capital to Risks Assets Ratio (CRAR)	19.4 %	16.63 %	15.01 %
Tier I Capital	17.5 %	15.48 %	12.8 %
AUM - NBFC	117624.0 Crs	n/a	n/a
Gross NPA	2.47 %	n/a	n/a
Net NPA	0.88 %	n/a	n/a
Cost To Income Ratio	54.0 %	62.23 %	68.7 %
Cost of Borrowing	7.08 %	5.69 %	6.37 %
Unclassified
Tier 2 Capital	1.9 %	1.16 %	2.21 %
Yield On Advances	14.1 %	11.62 %	n/a
Financials
5 yr Average ROE	21.88 %	10.41 %	5.71 %
5yr average Equity Multiplier	8.05	8.35	9.12
5yr Average Asset Turnover Ratio	0.13	0.1	0.12
5yr Avg Net Profit Margin	21.11 %	11.68 %	4.8 %
5yr Avg Net Profit Margin	21.11 %	11.68 %	4.8 %
5yr CAGR Net Profit	22.55 %	-2.55 %	25.27 %
5yr CAGR Sales	64.84 %	9.68 %	19.05 %
5 yr CAGR PPOP	n/a	-2.13 %	23.76 %
Price to Book	3.32	0.9	1.59
P/E	26.09	57.85	47.49
Shareholdings
Promoter Holding	22.85 %	15.82 %	0.0
Share Pledged by Promoters	0.0	50.86 %	0.0
Change in Promoter Holding (3 Yrs)	-5.36 %	-0.69 %	-36.48 %
Change in Mutual Fund Holding (3 Yrs)	9.56 %	13.23 %	5.76 %

Business

	AU Small Fin. Bank	Indusind Bank	IDFC First Bank
Loan Break-Up	Loan Break-Up Priority Sector 60.61 Non Priority Sector 39.39 Personal loans 0 Services 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 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 Rural Micro Finance 0 Emerging Large Corporates 0 Digital, Gold Loan and Others 0 Gems & Jewelry 2.06 Personal Loan 20.07 0 Large Corporates 0 Credit Cards 0 Metals 2.51 MSME Loans 0 Agricultural 13.5 Non Priority Sector 0 0 Financial Institutional Group 0 Wheels 0 Priority Sector 0 Mortgage Loans 0 Infrastructure 3.3 Commercial Finance 0 Consumer Loans 0 Services 47.78 Others 10.78	Loan Break-Up Rural Finance 7.0 Emerging Large Corporates 7.0 Digital, Gold Loan and Others 1.0 Gems and Jewellery 0 Personal loans 0 0 Large Industries 2.0 Credit Cards 3.0 Basic Metal and Metal Products 0 Small & Medium Enterprises (SME) loans 5.0 Agriculture and allied activities 0 Non Priority Sector 0 0 Financial Services 9.0 Wheels 10.0 Priority Sector 0 Loan Against Property 29.0 Infrastructure 1.0 Commercial Finance 3.0 Consumer Finance 3.0 Services 0 Others 20.0
Segment Break-Up	Segment Break-Up Consumer Finance 70.38 Treasury Operations 18.89 Corporate Banking 9.24 Retail Banking 0 Corporate/Wholesale Banking 0 Others 1.49	Segment Break-Up Consumer Finance 61.79 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 18.3 Others 19.91	Segment Break-Up Consumer Finance 55.38 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 11.51 Others 33.11
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 West Bengal 0 India 100.0 Tamil Nadu 0 Punjab 0 Andhra Pradesh 0 Kerala 0 Uttar Pradesh 0 Delhi 0 Rajasthan 0 Maharashtra 0 Rest of the World 0 Gujarat 0 Karnataka 0	Location Wise Break-Up West Bengal 0 India 100.0 Tamil Nadu 0 Punjab 0 Andhra Pradesh 0 Kerala 0 Uttar Pradesh 0 Delhi 0 Rajasthan 0 Maharashtra 0 Rest of the World 0 Gujarat 0 Karnataka 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 0 Long Term Infrastructure Bonds 0 Others 96.57	Borrowings Break-Up Reserve Bank of India 0 Long Term Infrastructure Bonds 2.79 0 Banking 0 Borrowings outside India 33.69 Others 63.52	Borrowings Break-Up Reserve Bank of India 15.04 Long Term Infrastructure Bonds 0 0 Banking 0 Borrowings outside India 1.99 Others 82.97
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 25.97 Retail Banking 0 Wholesale Banking 0 Others 74.03	Asset Break-Up - Segment Wise Retail Banking 46.42 Treasury 24.73 Wholesale Banking 0 Others 28.85	Asset Break-Up - Segment Wise Retail Banking 57.14 Treasury 29.16 Wholesale Banking 12.97 Others 0.73
Profit Before Tax	Profit Before Tax Treasury 40.69 Retail Banking 0 Wholesale Banking 0 Others 59.31	-	Profit Before Tax Retail Banking 0 Treasury 65.85 Wholesale Banking 34.15
Deposit Break-Up	Deposit Break-Up Rajasthan 22.0 Maharashtra 19.0 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 14.0	-	-
NPA Break-Up	NPA Break-Up Services 46.4 Personal Loan 25.11 Agricultural 20.84 Priority Sector 7.65 Industries - Other 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0	NPA Break-Up Personal Loan 0 Industry 0 Infrastructure 1.21 Infrastructure- Transport 0 Housing 0 Vehicle Loans 0 Agricultural 0 0 Industries - Other 0 Gems & Jewelry 0.05 Services 27.22 Metals 0.12 Priority Sector 0 Infrastructure- Energy 0 Personal Loans - Others 0 Others 71.4	NPA Break-Up Personal Loan 0 Industrial & Commercial 18.26 Infrastructure 0 Infrastructure- Transport 0 Housing 4.67 Auto loans 10.48 Agricultural 0 0 Industries - Other 0 Gems and Jewellery 0 Services 18.1 Basic Metal and Metal Products 0 Priority Sector 0 Infrastructure- Energy 0 Personal Loan 29.6 Others 18.89
Rural vs Urban	Rural vs Urban Rural 71.0 Urban 29.0	-	-

AU Small Finance Bank Ltd.

AU Small Finance Bank Ltd.

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