AU Small Finance Bank Ltd.

Financial

	AU Small Fin. Bank	Bank of Maharashtra	Punjab & Sind Bank
Operational Metrics
Banking Sector
CASA vs Liabilities	26.29 %	46.48 %	25.41 %
Fresh Slippages - Quarterly	296.0 Crs	570.0 Crs	228.0 Crs
Credit Deposit Ratio	84.0 %	75.22 %	70.6 %
Net Interest Margin	5.45 %	3.97 %	2.54 %
CASA Ratio	33.0 %	52.73 %	31.19 %
NBFC
Capital to Risks Assets Ratio (CRAR)	20.1 %	17.38 %	16.13 %
Tier I Capital	20.1 %	13.72 %	13.75 %
AUM - NBFC	73999.0 Crs	n/a	n/a
Gross NPA	1.67 %	n/a	n/a
Net NPA	0.55 %	n/a	n/a
Cost To Income Ratio	64.9 %	38.72 %	74.84 %
Cost of Borrowing	6.8 %	4.09 %	5.71 %
Unclassified
Tier 2 Capital	1.3 %	3.66 %	2.38 %
Yield On Advances	13.3 %	9.14 %	8.91 %
Financials
5 yr Average ROE	24.58 %	-6.2 %	-11.42 %
5yr average Equity Multiplier	8.04	18.57	13.59
5yr Average Asset Turnover Ratio	0.13	0.07	0.08
5yr Avg Net Profit Margin	22.71 %	-1.95 %	-4.82 %
5yr Avg Net Profit Margin	22.71 %	-1.95 %	-4.82 %
5yr CAGR Net Profit	13.39 %	n/a	n/a
5yr CAGR Sales	43.33 %	7.96 %	-0.99 %
5 yr CAGR PPOP	n/a	22.64 %	0.75 %
Price to Book	3.81	2.44	2.7
P/E	31.19	11.9	45.12
Shareholdings
Promoter Holding	25.45 %	86.46 %	98.25 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.02 %	-6.87 %	1.18 %
Change in Mutual Fund Holding (3 Yrs)	3.75 %	0.37 %	0.03 %

Business

	AU Small Fin. Bank	Bank of Maharashtra	Punjab & Sind Bank
Segment Break-Up	Segment Break-Up Consumer Finance 72.58 Treasury Operations 13.62 Corporate Banking 9.7 Retail Banking 0 Corporate/ Wholesale Banking 0 Corporate/Wholesale Banking 0 Others 4.1	Segment Break-Up Corporate Banking 36.02 Treasury Operations 0 Corporate/Wholesale Banking 0 Consumer Finance 42.34 Corporate Banking 0 Consumer Finance 0 Others 21.64	Segment Break-Up Corporate/ Wholesale Banking 0 Treasury Operations 0 Corporate Banking 41.76 Consumer Finance 36.15 Corporate Banking 0 Consumer Finance 0 Others 22.09
Loan Break-Up	Loan Break-Up Priority Sector 59.26 Non Priority Sector 40.74 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0 Personal loans 0 Services 0 Advances to industries sector 0 Agriculture and allied 0	Loan Break-Up MSME Sector 20.89 Agricultural 14.1 Non Priority Sector 0 Services 0 Corporate 38.97 Advances to industries sector 0 Retail 26.05 Agriculture and allied 0 Priority Sector 0 Personal loans 0	Loan Break-Up 0 Agriculture Sector 0 Non Priority Sector 0 Services 0 Corporate & Others 0 Advances to industries 18.81 Retail Sector 0 Agricultural 14.34 Priority Sector 0 Personal Loan 18.32 Others 48.53
Location Wise Break-Up	Location Wise Break-Up Rajasthan 27.0 Maharashtra 13.0 Gujarat 11.0 Punjab 5.0 Andhra Pradesh 4.0 Delhi 4.0 Uttar Pradesh 3.0 Tamil Nadu 3.0 Karnataka 3.0 West Bengal 0 Kerala 0 India 0 Others 27.0	Location Wise Break-Up Maharashtra 0 West Bengal 0 Gujarat 0 Rajasthan 0 Delhi 0 Karnataka 0 Kerala 0 Uttar Pradesh 0 Tamil Nadu 0 India 100.0 Andhra Pradesh 0 Punjab 0	Location Wise Break-Up Maharashtra 0 West Bengal 0 Gujarat 0 Rajasthan 0 Delhi 0 Karnataka 0 Kerala 0 Uttar Pradesh 0 Tamil Nadu 0 India 100.0 Andhra Pradesh 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 4.83 Reserve Bank of India 0 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Borrowings outside India 0 Subordinated Debt 0 Bonds 0 Institutions & Agencies 0 Others 95.17	Borrowings Break-Up Subordinated Debt 0 Reserve Bank of India 0 0 Subordinated Debt 27.44 Borrowings outside India 0 Institutions & Agencies 0 Bonds 0 Innovative Perpetual Debt Instruments (IPDI) 17.46 Infra Bonds 0 Reserve Bank of India 4.64 Banking 0 Borrowings Outside India 0 Others 50.46	Borrowings Break-Up Subordinated Debt 13.72 Reserve Bank of India 0 0 Subordinated Debt Bonds 0 Borrowings outside India 0 Institutional Business 86.28 Bonds 0 0 Infra Bonds 0 Reserve Bank Of India 0 Banking 0 Borrowings Outside India 0
Profit Before Tax	Profit Before Tax Others 100	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Rural vs Urban	Rural vs Urban Rural 71.0 Urban 29.0	-	-
Deposit Break-Up	Deposit Break-Up Rajasthan 23.0 Maharashtra 20.0 Delhi 12.0 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 12.0	-	-
NPA Break-Up	NPA Break-Up Services 63.34 Agricultural 17.58 Personal Loan 11.0 Priority Sector 6.0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Advances to industries sector 0 Agriculture and allied 0 Others 2.08	NPA Break-Up Agricultural 62.91 Services 0 Large Industries 3.65 Personal Loan 0 Micro, Small and Medium Enterprises 27.81 Advances to industries sector 0 Agriculture and allied 0 Agricultural 0 Priority Sector 0 Retail 5.6 Medium 0 Others 0.03	NPA Break-Up Agriculture 0 Services 0 Large Corporate & Other 0 Personal Loan 0 Micro & Small 0 Advances to industries 31.1 Agricultural 23.58 Agricultural 0 Priority Sector 0 Retail 10.51 Medium 0 Others 34.81

AU Small Finance Bank Ltd.

AU Small Finance Bank Ltd.

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