AU Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
AU Small Finance Bank has total assets of ₹1,388.3B and total equity of ₹160.4B. Total deposits are ₹1,096.9B, and total loans are ₹948.4B earning a Net Interest Margin of 5.5%. It has insufficient allowance for bad loans, which are currently at 2% of total loans. Cash and short-term investments are ₹85.1B.
Key information
8.7x
Asset to equity ratio
5.5%
Net interest margin
| Total deposits | ₹1.10t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.0% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹85.06b |
Recent financial health updates
No updates
Recent updates
We Think Shareholders Are Less Likely To Approve A Large Pay Rise For AU Small Finance Bank Limited's (NSE:AUBANK) CEO For Now
Jul 20
AU Small Finance Bank (NSE:AUBANK) Is Due To Pay A Dividend Of ₹1.00
Jun 30Should You Be Adding AU Small Finance Bank (NSE:AUBANK) To Your Watchlist Today?
Feb 09Should You Be Adding AU Small Finance Bank (NSE:AUBANK) To Your Watchlist Today?
Oct 24Does AU Small Finance Bank (NSE:AUBANK) Deserve A Spot On Your Watchlist?
Jun 19Is Now The Time To Put AU Small Finance Bank (NSE:AUBANK) On Your Watchlist?
Mar 05Here's Why We Think AU Small Finance Bank (NSE:AUBANK) Is Well Worth Watching
Jan 12Here's Why I Think AU Small Finance Bank (NSE:AUBANK) Is An Interesting Stock
Oct 02I Ran A Stock Scan For Earnings Growth And AU Small Finance Bank (NSE:AUBANK) Passed With Ease
Jun 22Do AU Small Finance Bank's (NSE:AUBANK) Earnings Warrant Your Attention?
Mar 24Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AUBANK's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: Insufficient data to determine if AUBANK has a sufficient allowance for bad loans.
Low Risk Liabilities: 89% of AUBANK's liabilities are made up of primarily low risk sources of funding.
Loan Level: AUBANK has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: AUBANK's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: AUBANK has a high level of bad loans (2%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 21:15 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
AU Small Finance Bank Limited is covered by 37 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Abhinesh Vijayaraj | Avendus Spark |
| Vijayaraghavan Swaminathan | Avendus Spark |
| null null | Axis Capital Limited |