AU Small Finance Bank Ltd.

Financial

	AU Small Fin. Bank	Yes Bank	Indusind Bank
Operational Metrics
Banking Sector
CASA vs Liabilities	22.99 %	23.05 %	24.47 %
Fresh Slippages - Quarterly	894.0 Crs	1223.0 Crs	5014.0 Crs
Credit Deposit Ratio	86.0 %	86.5 %	83.97 %
Net Interest Margin	5.94 %	2.5 %	2.25 %
CASA Ratio	29.2 %	34.3 %	33.0 %
NBFC
Capital to Risks Assets Ratio (CRAR)	20.1 %	15.4 %	16.24 %
Tier I Capital	18.8 %	12.2 %	15.1 %
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 %	67.3 %	113.07 %
Cost of Borrowing	7.07 %	6.4 %	5.6 %
Unclassified
Tier 2 Capital	1.3 %	3.2 %	1.14 %
Yield On Advances	14.4 %	10.1 %	9.45 %
Financials
5 yr Average ROE	23.49 %	-14.4 %	12.57 %
5yr average Equity Multiplier	7.85	9.59	8.4
5yr Average Asset Turnover Ratio	0.13	0.09	0.1
5yr Avg Net Profit Margin	22.51 %	-9.38 %	13.26 %
5yr Avg Net Profit Margin	22.51 %	-9.38 %	13.26 %
5yr CAGR Net Profit	15.03 %	n/a	15.03 %
5yr CAGR Sales	51.77 %	-2.81 %	9.06 %
5 yr CAGR PPOP	n/a	-22.03 %	7.94 %
Price to Book	3.45	1.3	1.02
P/E	28.11	25.5	25.73
Shareholdings
Promoter Holding	22.87 %	0.0	15.83 %
Share Pledged by Promoters	0.0	0.0	50.86 %
Change in Promoter Holding (3 Yrs)	-5.36 %	0.0	-0.69 %
Change in Mutual Fund Holding (3 Yrs)	8.95 %	1.18 %	14.04 %

Business

	AU Small Fin. Bank	Yes Bank	Indusind Bank
Segment Break-Up	Segment Break-Up Consumer Finance 72.89 Treasury Operations 15.05 Corporate Banking 9.28 Retail Banking 0 Corporate/Wholesale Banking 0 Others 2.78	Segment Break-Up Consumer Finance 40.99 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate Banking 34.3 Others 24.71	Segment Break-Up Consumer Finance 69.31 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate Banking 25.82 Others 4.87
Loan Break-Up	Loan Break-Up Priority Sector 62.09 Non Priority Sector 37.91 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0	Loan Break-Up Consumer Finance 41.25 Priority Sector 0 0 Personal loans 0 Non Priority Sector 0 Investment Banking 0 Small and Micro Enterprise 17.73 Infrastructure 0 Gems and Jewellery 0 Agriculture and allied activities 0 Services 0 Basic Metal and Metal Products 0 Corporate Banking 23.99 Medium Enterprise 17.02 0 Others 0.01	Loan Break-Up Retail Banking 0 Priority Sector 0 0 Personal Loan 10.64 Non Priority Sector 0 Investment Banking 0 Small and Micro Enterprise 0 Infrastructure 2.78 Gems & Jewelry 2.24 Agricultural 14.81 Services 54.57 Metals 2.55 Corporate Banking 0 Medium Enterprise 0 0 Others 12.41
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 India 0 Rest of the World 0 Others 27.0	Location Wise Break-Up India 100.0 Tamil Nadu 0 Delhi 0 Andhra Pradesh 0 West Bengal 0 Karnataka 0 Uttar Pradesh 0 Maharashtra 0 Gujarat 0 Rest of the World 0 Kerala 0 Rajasthan 0 Punjab 0	Location Wise Break-Up India 100.0 Tamil Nadu 0 Delhi 0 Andhra Pradesh 0 West Bengal 0 Karnataka 0 Uttar Pradesh 0 Maharashtra 0 Gujarat 0 Rest of the World 0 Kerala 0 Rajasthan 0 Punjab 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 Tier II Borrowings 0 IPDI 0 0 Long Term Infrastructure Bonds 0 Others 94.29	Borrowings Break-Up Tier II Borrowings 17.44 Long Term Infrastructure Bonds 0 IPDI 0 0 Borrowings outside India 15.24 Banking 0 Reserve Bank of India 2.06 Others 65.26	Borrowings Break-Up Tier II Borrowings 0 Long Term Infrastructure Bonds 3.15 IPDI 0 0 Borrowings outside India 40.98 Banking 0 Reserve Bank of India 0 Others 55.87
Profit Before Tax	Profit Before Tax Others 100	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	Asset Break-Up - Segment Wise Others 100
Rural vs Urban	Rural vs Urban Rural 71.0 Urban 29.0 Semi-Urban 0 Metro 0	Rural vs Urban Urban 21.0 Rural 19.0 Metro 34.0 Semi-urban 26.0	-
NPA Break-Up	NPA Break-Up Services 0.96 Personal Loan 0.33 Agricultural 0.25 Priority Sector 0.13 Corporate 0 MSME 0 Retail 0 Industries - Other 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 Others 98.33	NPA Break-Up Industries - Other 0 Priority Sector 0 Retail 57.11 Infrastructure 0 Corporate 17.35 MSME Sector 15.22 Gems and Jewellery 0 Services 0 Basic Metal and Metal Products 0 Personal Loan 0 Agricultural 0 0 Others 10.32	NPA Break-Up Industries - Other 0 Priority Sector 0 Retail 0 Infrastructure 1.99 Corporate 0 MSME 0 Gems & Jewelry 0.45 Services 38.55 Metals 0.18 Personal Loan 0 Agricultural 0 0 Others 58.83
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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