AU Small Finance Bank Ltd
About
AU Small Finance Bank was founded by Sanjay Agarwal as a non-banking financial company in 1996 under the name of AU Financiers. It was categorised as a scheduled bank in 2017 and has been committed to financing the aspirations of the unbanked and underserved masses of India in both rural and urban settings. It aims to develop the financial market by imparting financial education and extending financial inclusion to as many people as possible. The bank has a total of 2408 touchpoints in 21 states and 4 union territories, through which it offers accounts, loans, cards, insurances, investments, and financial care to its customers. With the spirit of challenging the existing state of affairs, AU Small Finance Bank works with the tagline ‘Badlaav Humse Hai.’
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Financial Data 2024
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Financial Data
| PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (INR Cr) | 12301 33.1% | 9240 33.6% | 6915 8.6% | 6371 27.6% | 4992 46.4% | 3411 58.3% | 2155 5.6% | 2042 68.2% | 1214 48.9% | 815 20.8% | 675 53.1% | 441 76.9% | 249 57.0% | 159 192.5% | 54 - |
| Net Operating Income (INR Cr) | 10555 28.63% | 8205 38.56% | 5922 19.63% | 4950 15.50% | 4286 45.33% | 2949 66.88% | 1767 23.63% | 1429 18.50% | 1206 48.43% | 813 21.87% | 667 52.29% | 438 76.11% | 249 57.28% | 158 199.36% | 53 - |
| Profit (INR Cr) | 1535 7.5% | 1428 26.4% | 1130 -3.5% | 1171 73.5% | 675 76.7% | 382 30.7% | 292 -61.7% | 762 209.0% | 247 51.2% | 163 61.9% | 101 25.6% | 80 60.1% | 50 19.3% | 42 254.4% | 12 - |
| Assets (INR Cr) | 109426 21.3% | 90216 30.6% | 69078 33.9% | 51591 22.4% | 42143 29.0% | 32661 73.3% | 18852 92.1% | 9813 23.6% | 7939 64.5% | 4827 42.9% | 3379 7.6% | 3141 168.9% | 1168 312.0% | 284 63.2% | 174 - |
| Net Worth (INR Cr) | 12560 14.4% | 10977 46.1% | 7514 19.7% | 6275 43.4% | 4377 38.4% | 3163 38.7% | 2281 14.8% | 1988 86.4% | 1067 27.3% | 838 29.0% | 649 0.0% | 466 45.4% | 320 259.6% | 89 122.4% | 40 0.0% |
| Employee Cost (INR Cr) | 2104 17.3% | 1793 30.0% | 1379 40.7% | 980 29.0% | 760 26.4% | 601 41.5% | 425 129.5% | 185 0.4% | 184 68.6% | 109 38.1% | 79 56.3% | 51 57.3% | 32 88.8% | 17 - | 0 - |
| Interest Cost (INR Cr) | 5398 | 3780 | 2688 | 2585 | 2377 | 1607 | 827 | 531 | 492 | 334 | 317 | 202 | 104 | 49 | 10 |
| Cash & Bank Balance (INR Cr) | 6376 | 9425 | 5929 | 4781 | 3370 | 1740 | 1761 | 625 | 430 | 225 | 206 | 376 | 169 | 19 | 70 |
| Total Debt (INR Cr) | 92661 | 75664 | 58575 | 43009 | 36499 | 28036 | 15562 | 7071 | 6232 | 3588 | 2478 | 2482 | 654 | 363 | 108 |
Key Financial Ratios
| PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit As % Of Revenues | 12.5% | 15.5% | 16.3% | 18.4% | 13.5% | 11.2% | 13.6% | 37.3% | 20.3% | 20.0% | 14.9% | 18.2% | 20.1% | 26.5% | 21.8% |
| Profit As % Of Assets | 1.4% | 1.6% | 1.6% | 2.3% | 1.6% | 1.2% | 1.6% | 7.8% | 3.1% | 3.4% | 3.0% | 2.6% | 4.3% | 14.8% | 6.8% |
| Profit As % Of Networth | 12.2% | 13.0% | 15.0% | 18.7% | 15.4% | 12.1% | 12.8% | 38.3% | 23.1% | 19.5% | 15.5% | 17.2% | 15.7% | 47.2% | 29.6% |
| Interest Cost to EBITDA % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| RONW | 13.0% | 15.4% | 16.4% | 22.0% | 17.9% | 14.0% | 13.7% | 22.2% | 25.7% | 21.8% | 15.5% | 18.5% | 24.5% | 65.1% | 29.6% |
| ROCE | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |