AU Small Finance Bank Ltd.

Financial

	AU Small Fin. Bank	IDFC First Bank	Yes Bank
Operational Metrics
Banking Sector
CASA vs Liabilities	23.03 %	35.19 %	22.05 %
Fresh Slippages - Quarterly	1027.0 Crs	n/a	1458.0 Crs
Credit Deposit Ratio	86.0 %	93.4 %	87.4 %
Net Interest Margin	5.4 %	5.71 %	2.5 %
CASA Ratio	29.0 %	48.0 %	32.8 %
NBFC
Capital to Risks Assets Ratio (CRAR)	19.4 %	15.01 %	16.5 %
Tier I Capital	17.5 %	12.8 %	13.3 %
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 %	68.7 %	67.1 %
Cost of Borrowing	7.08 %	6.37 %	6.3 %
Unclassified
Tier 2 Capital	1.9 %	2.21 %	3.2 %
Yield On Advances	14.1 %	n/a	9.9 %
Financials
5 yr Average ROE	21.88 %	5.71 %	0.23 %
5yr average Equity Multiplier	8.05	9.12	8.99
5yr Average Asset Turnover Ratio	0.13	0.12	0.08
5yr Avg Net Profit Margin	21.11 %	4.8 %	0.59 %
5yr Avg Net Profit Margin	21.11 %	4.8 %	0.59 %
5yr CAGR Net Profit	22.55 %	25.27 %	n/a
5yr CAGR Sales	64.84 %	19.05 %	9.88 %
5 yr CAGR PPOP	n/a	23.76 %	-1.37 %
Price to Book	3.22	1.28	1.2
P/E	25.3	38.1	21.3
Shareholdings
Promoter Holding	22.85 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.36 %	-36.48 %	0.0
Change in Mutual Fund Holding (3 Yrs)	9.56 %	5.76 %	2.03 %

Business

	AU Small Fin. Bank	IDFC First Bank	Yes Bank
Loan Break-Up	Loan Break-Up Priority Sector 60.61 Non Priority Sector 39.39 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 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0	Loan Break-Up Consumer Finance 3.0 Digital, Gold Loan and Others 0.3 Non Priority Sector 0 Priority Sector 0 Wheels 10.41 Commercial Finance 3.0 Investment Banking 0 Large Industries 1.0 Credit Cards 3.0 Small & Medium Enterprises (SME) loans 6.0 Infrastructure 1.0 Rural Finance 8.0 Financial Services 9.0 Emerging Large Corporates 6.0 Small and Micro Enterprise 0 Medium Enterprise 0 Loan Against Property 29.0 Corporate Banking 0 Retail Banking 0 Others 20.29	Loan Break-Up Consumer Loans 0 Digital, Gold Loan and Others 0 Non Priority Sector 0 Priority Sector 0 Wheels 0 Commercial Finance 0 Investment Banking 0 Large Corporates 0 Credit Cards 0 MSME Loans 0 Infrastructure 0 Rural Micro Finance 0 Financial Institutional Group 0 Emerging Large Corporates 0 Small and Micro Enterprise 0 Medium Enterprise 0 Mortgage Loans 0 Corporate Banking 25.89 Consumer Finance 49.36 Others 24.75
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 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate Banking 11.48 Consumer Finance 55.66 Others 32.86	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate Banking 31.73 Consumer Finance 40.5 Others 27.77
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 Delhi 0 India 100.0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Tamil Nadu 0 Rajasthan 0 Rest of the World 0 Uttar Pradesh 0 Kerala 0 Punjab 0 Gujarat 0	Location Wise Break-Up West Bengal 0 Delhi 0 India 100.0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Tamil Nadu 0 Rajasthan 0 Rest of the World 0 Uttar Pradesh 0 Kerala 0 Punjab 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 3.43 Reserve Bank of India 0 Borrowings outside India 0 Tier II Borrowings 0 IPDI 0 Others 96.57	Borrowings Break-Up Tier II Borrowings 0 Banking 0 Borrowings outside India 1.99 IPDI 0 Reserve Bank of India 15.04 Others 82.97	Borrowings Break-Up Tier II Borrowings 17.44 Banking 0 Borrowings outside India 15.24 IPDI 0 Reserve Bank of India 2.06 Others 65.26
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 Wholesale Banking 12.85 Treasury 28.96 Retail Banking 57.42 Others 0.77	-
Profit Before Tax	Profit Before Tax Treasury 40.69 Retail Banking 0 Wholesale Banking 0 Others 59.31	Profit Before Tax Wholesale Banking 49.47 Treasury 50.53 Retail Banking 0	-
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 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Corporate 0 MSME 0 Retail 0	NPA Break-Up MSME 0 Agricultural 0 Industrial & Commercial 18.26 Infrastructure- Energy 0 Personal Loan 29.6 Retail 0 Corporate 0 Priority Sector 0 Services 18.1 Auto loans 10.48 Housing 4.67 Infrastructure- Transport 0 Personal Loan 0 Others 18.89	NPA Break-Up MSME 0 Agricultural 0 Industry 0 Infrastructure- Energy 0 Personal Loans - Others 0 Retail 69.27 Corporate 12.16 Priority Sector 0 Services 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Personal Loan 0 Others 18.57
Rural vs Urban	Rural vs Urban Rural 71.0 Urban 29.0 Semi-Urban 0 Metro 0	-	Rural vs Urban Rural 19.0 Semi-urban 26.0 Metro 34.0 Urban 21.0

AU Small Finance Bank Ltd.

AU Small Finance Bank Ltd.

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