Financial Ratios

AU SMALL FINANCE BANK LTD.

NSE : AUBANKBSE : 540611ISIN CODE : INE949L01017Industry : Bank - PrivateHouse : Private
BSE614.95-6.3 (-1.01 %)
PREV CLOSE ( ) 621.25
OPEN PRICE ( ) 616.45
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 162637
TODAY'S LOW / HIGH ( )606.80 618.90
52 WK LOW / HIGH ( )554 813
NSE614.70-6.4 (-1.03 %)
PREV CLOSE( ) 621.10
OPEN PRICE ( ) 617.85
BID PRICE (QTY) 614.70 (498)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 2304049
TODAY'S LOW / HIGH( ) 607.60 618.95
52 WK LOW / HIGH ( )553.7 813.4
Select year
ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
Operational & Financial Ratios
   Earnings Per Share (Rs)21.4235.8837.5022.1913.06
   DPS(Rs)1.001.000.000.000.75
   Book NAV/Share(Rs)163.98237.30197.69142.20100.73
Margin Ratios
   Yield on Advances14.0512.8514.3015.8812.92
   Yield on Investments
   Cost of Liabilities5.004.596.016.515.73
   NIM5.034.804.714.654.23
   Interest Spread9.058.268.299.377.19
Performance Ratios
   ROA(%)1.791.872.501.811.48
   ROE(%)15.5216.5622.3118.5614.66
   ROCE(%)14.9814.0115.6012.7311.87
Efficiency Ratios
   Cost Income Ratio63.0157.0743.8054.2259.99
   Core Cost Income Ratio62.5059.0756.5658.0560.74
   Operating Costs to Assets3.813.493.213.363.32
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)27.0317.3616.3511.4722.72
   PCE(x)23.9230.8930.0320.2739.11
   Price/Book(x)3.535.256.203.585.89
   Yield(%)0.170.080.000.000.13
   EV/Net Sales(x)5.477.649.156.028.80
   EV/Core EBITDA(x)22.2324.9221.3021.5635.96
   EV/EBIT(x)7.9510.9211.217.8411.87
   EV/CE(x)0.500.650.880.610.80
   M Cap / Sales4.706.637.733.615.88
Growth Ratio
   Core Operating Income Growth36.8336.7223.9142.1842.76
   Operating Profit Growth
   Net Profit Growth26.38-3.4973.4976.7330.74
   BVPS Growth-30.9020.0439.0241.1727.13
   Advances Growth26.7433.1928.2218.2971.41
   EPS Growth(%)-40.31-4.3168.9969.9027.76
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.130.110.040.040.04
   Investment / Deposits(x)0.290.290.300.410.37
   IncLoan / Deposits(x)9.0811.3919.5439.5044.35
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)0.420.502.200.811.29

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.