AU Small Finance Bank Ltd.

Financial

	AU Small Fin. Bank	IDFC First Bank	Federal Bank
Operational Metrics
Banking Sector
CASA vs Liabilities	24.33 %	33.64 %	23.64 %
Fresh Slippages - Quarterly	956.0 Crs	n/a	486.0 Crs
Credit Deposit Ratio	89.0 %	95.93 %	86.48 %
Net Interest Margin	6.0 %	6.04 %	3.11 %
CASA Ratio	31.0 %	47.7 %	30.16 %
NBFC
Capital to Risks Assets Ratio (CRAR)	18.0 %	16.11 %	15.16 %
Tier I Capital	16.9 %	13.68 %	13.78 %
AUM - NBFC	100989.0 Crs	n/a	n/a
Gross NPA	2.31 %	n/a	n/a
Net NPA	0.91 %	n/a	n/a
Cost To Income Ratio	57.2 %	71.3 %	53.12 %
Cost of Borrowing	7.05 %	6.49 %	6.01 %
Unclassified
Tier 2 Capital	1.1 %	2.43 %	1.38 %
Yield On Advances	14.4 %	n/a	9.39 %
Financials
5 yr Average ROE	23.49 %	1.48 %	12.58 %
5yr average Equity Multiplier	7.85	9.25	11.84
5yr Average Asset Turnover Ratio	0.13	0.11	0.08
5yr Avg Net Profit Margin	22.51 %	0.95 %	12.46 %
5yr Avg Net Profit Margin	22.51 %	0.95 %	12.46 %
5yr CAGR Net Profit	15.03 %	n/a	19.53 %
5yr CAGR Sales	51.77 %	15.08 %	11.6 %
5 yr CAGR PPOP	n/a	25.93 %	11.2 %
Price to Book	2.48	1.06	1.46
P/E	20.16	20.88	11.72
Shareholdings
Promoter Holding	22.88 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.45 %	-36.51 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.47 %	0.42 %	3.31 %

Business

	AU Small Fin. Bank	IDFC First Bank	Federal Bank
Segment Break-Up	Segment Break-Up Consumer Finance 75.37 Treasury Operations 13.61 Corporate Banking 9.51 Retail Banking 0 Corporate/Wholesale Banking 0 Corporate/ Whole sale Banking 0 Others 1.51	Segment Break-Up Corporate/ Whole sale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Corporate Banking 10.83 Consumer Finance 56.83 Others 32.34	Segment Break-Up Corporate Banking 26.1 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Corporate/Wholesale Banking 0 Consumer Finance 59.36 Others 14.54
Loan Break-Up	Loan Break-Up Priority Sector 62.09 Non Priority Sector 37.91 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 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0 0 Agriculture and allied activities 0	Loan Break-Up NBFCs 0 Commercial Finance 3.0 Commercial Real Estate 0 Large Industries 1.0 0 Infrastructure 1.0 Non Priority Sector 0 Trade 0 Small & Medium Enterprises (SME) loans 5.0 Credit Cards 3.0 Digital, Gold Loan and Others 0.5 Emerging Large Corporates 7.0 Financial Services 8.0 Loan Against Property 28.0 Personal Loan 0 Agriculture and allied activities 0 Consumer Finance 3.0 Wheels 11.0 Priority Sector 0 Rural Finance 9.0 Others 20.5	Loan Break-Up NBFC 11.29 Commercial Finance 0 Commercial Real Estate 3.16 Large Corporates 0 Priority Sector 12.7 Infrastructure 6.99 Non Priority Sector 0 Trading 5.66 MSME Loans 0 Credit Cards 0 Digital, Gold Loan and Others 0 Emerging Large Corporates 0 Financial Institutional Group 0 Mortgage Loans 0 Personal Loan 2.52 Agricultural 12.58 Consumer Loans 0 Wheels 0 Priority Sector 0 Rural Micro Finance 0 Others 45.1
Location Wise Break-Up	Location Wise Break-Up Rajasthan 26.0 Maharashtra 14.0 Gujarat 11.0 Punjab 5.0 Delhi 5.0 Uttar Pradesh 3.0 Andhra Pradesh 3.0 Karnataka 3.0 Tamil Nadu 2.0 West Bengal 0 Kerala 0 Rest of the World 0 India 0 Others 28.0	Location Wise Break-Up Gujarat 0 Tamil Nadu 0 Uttar Pradesh 0 West Bengal 0 Andhra Pradesh 0 Maharashtra 0 Kerala 0 Rajasthan 0 India 100.0 Punjab 0 Rest of the World 0 Karnataka 0 Delhi 0	Location Wise Break-Up Gujarat 0 Tamil Nadu 0 Uttar Pradesh 0 West Bengal 0 Andhra Pradesh 0 Maharashtra 0 Kerala 0 Rajasthan 0 India 100.0 Punjab 0 Rest of the World 0 Karnataka 0 Delhi 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 Banking 0 Reserve Bank of India 13.74 Reserve Bank of India ( India ) 0 Borrowings outside India 0.63 Others 85.63	Borrowings Break-Up Banking 0 Reserve Bank of India 0 Reserve Bank of India 11.33 Borrowings outside India 14.3 Others 74.37
Profit Before Tax	Profit Before Tax Treasury 6.51 Retail Banking 0 Wholesale Banking 0 Others 93.49	Profit Before Tax Wholesale Banking 78.71 Retail Banking 0 Treasury 21.29	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 24.37 Retail Banking 0 Wholesale Banking 0 Others 75.63	Asset Break-Up - Segment Wise Wholesale Banking 12.35 Retail Banking 56.7 Treasury 30.08 Others 0.87	Asset Break-Up - Segment Wise Wholesale Banking 0 Retail Banking 42.17 Treasury 21.68 Others 36.15
NPA Break-Up	NPA Break-Up Services 0.96 Personal Loan 0.33 Agricultural 0.25 Priority Sector 0.13 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 Others 98.33	NPA Break-Up Personal Loan 31.68 NBFCs 0 Commercial Real Estate 0 Other Services 0 Infrastructure 15.16 Trade 0 Housing 4.9 Personal Loan 0 Agricultural 0 Priority Sector 0 Infrastructure- Energy 0 Infrastructure 0 Industrial & Commercial 7.24 Services 24.3 Auto loans 7.7 Others 9.02	NPA Break-Up Personal Loans - Others 0 NBFC 0.04 Commercial Real Estate 0.74 Others 29.44 Infrastructure- Transport 0 Trading 11.33 Housing 0 Personal Loan 0 Agricultural 0 Priority Sector 0 Infrastructure- Energy 0 Infrastructure 5.88 Industry 0 Services 0 Vehicle Loans 0 Others 52.57
Deposit Break-Up	Deposit Break-Up Rajasthan 23.0 Maharashtra 19.0 Delhi 14.0 Punjab 8.0 Haryana 8.0 Gujarat 8.0 Madhya Pradesh 4.0 Uttar Pradesh 3.0 Himachal Pradesh 2.0 Chhattisgarh 0 Goa 0 Others 11.0	-	-
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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