Au Small Finance Bank Limited · NSE:AUBANK
Au Small Finance Bank — Q1 FY2018 Earnings Presentation
24 slides from Au Small Finance Bank's earnings presentation, 2017
Slide 1: Investor Presentation Q1 FY18 Update
Investor Presentation Q1 FY18 Update
Slide 2: Vision & Mission
Vision & Mission AU Vision To be the world’s most trusted retail bank and coveted employer, that is admired as the epitome of financial inclusion and economic success, where ordinary people do extraordinary things to transform society at large, thereby guaranteeing trust, confidence and customer del
Slide 3: Q1-FY18 Key Highlights
Q1-FY18 Key Highlights ▪ Successful transition from a NBFC to Small Finance Bank – commenced banking operations on April 19, 2017. ➢ Offering comprehensive suite of banking products & services. ➢ Wide distribution network with 284 branches, 119 asset centres, 23 offices and 251 ATMs in 11 states and
Slide 4: Performance Update – Income, Profitability and BVS
Performance Update – Income, Profitability and BVS All figures in INR Cr, except BVS which is in INR Y-o-Y Q-o-Q Key Highlights Q1 FY18 419 35% 10% ▪ Steady Total Income growth. Total Income Q1 FY17 310 Q4 FY17 381 ▪ NII grew by 9% Y-o-Y; however it declined by 19% Q1 FY18 183 9% -19% Q-o-Q on accou
Slide 5: Performance Update – AUM Growth & Asset Quality
Performance Update – AUM Growth & Asset Quality All figures in INR Cr Y-o-Y Q-o-Q Key Highlights Q1 FY18 1513 ▪ Disbursement declined Q1 FY17 -2% 32% marginally Y-o-Y while Q-o-Q Disbursement 1545 decline was higher due to Q4 FY17 2218 seasonality of Q1, GST implementation & consequent Q1 FY18 10,75
Slide 6: Performance Update – Key Financial Ratios
Performance Update – Key Financial Ratios Key Highlights Key Ratios Q1FY18 Q1FY17 Q4FY17 ▪ With transition to SFB, Y-o-Y 1 5.1% 7.5% 7.5% NII / Q-o-Q NII figures are not comparable given that as a Other Income 1 1.6% 0.8% 1.2% SFB we have Investments to OPEX1 3.3% 3.5% 3.9% maintain regulatory liqui
Slide 7: Performance Update – Financial & Operational Details
Performance Update – Financial & Operational Details Key Financial & Operational Details June 30, 2017 June 30, 2016 March 31, 2017 Branches 284 292 300 No. of Active Loan Accounts 2,85,558 2,37,266 2,80,349 No. of CASA Accounts 49,603 N.A. N.A. No. of Employees 9,055 5,457 8,515 Average Yield on O/
Slide 8: Well entrenched distribution franchise
Well entrenched distribution franchise 284 Branches & 9,055 285,558 Active Loan 49,603 CASA 61% CASA 11 States 251 ATMs 119 Asset Centers employees Accounts Accounts Ratio State Branch Asset Centre Office Grand Total Rajasthan 125 48 16 189 Gujarat 38 25 3 66 States of Presence Maharashtra 36 16 1 5
Slide 9: Our Branches
FINANCE Our Branches BANK AU. SMALL FINANCE BANK wl aia BRAT Ses
Slide 10: Distribution Franchisee
Distribution Franchisee Updates as on 30th June 2017 ✓ 500,000+ sq ft newly built 284 Branches along with 119 Asset Centres and 23 Offices in 11 states and a union territory across all major cities ✓ Capital Investment of Rs. 330 Cr till March 31, 2017 comprising of Rs. 185 Cr on Infrastructure and
Slide 11: Retail Focused Diversified Asset Portfolio
Retail Focused Diversified Asset Portfolio All figures in INR Cr A. Retail vs Wholesale Assets 11% Particulars Q1FY18 Q1FY17 Y-o-Y (%) Q4FY17 Q-o-Q (%) - Retail Assets Retail - Wheels 5,318 4,397 20.9% 5,396 -1.4% Assets - Secured Business Loan (SBL) - MSME 3,288 2,317 41.9% 3,216 2.2% Wholesale - S
Slide 12: Assets - Updates
Assets - Updates Updates as on 30th June 2017 ✓ Well defined Business Units under Retail Bank and Wholesale Bank ✓ Introduced Gold Loans, Business Banking, Agri-Allied Loans, Two-wheeler Loans ✓ Pre-approved Overdraft facility for existing customers ✓ Overdraft against Fixed Deposit ✓ 14% of disburs
Slide 13: Liabilities Product Portfolio
Liabilities – bouquet of product offerings Key Features Savings Insurance Accounts (3rd Party) ✓ Few Product Variants - Easy to remember & recollect Current ✓ Go-to-Market approach ATMs Liabilities Product Portfolio Accounts ✓ True Anywhere Banking – No home branch concept Fixed ✓ Extended Banking H
Slide 14: Fast Growing Liabilities Franchise
Fast Growing Liabilities Franchise Deposits 422 CA Book SA Book 300 No of A/cs - 2469 No of A/cs – 47,134 236 O/S – INR 76.03 Cr O/S – INR 421.68 Cr ATS – INR 3.08 Lakhs ATS – INR 0.89 Lakhs 145 76 81 30 17 2 0 0 0 Wholesale-TD Book Retail-TD Book No of A/cs - 23 30th April 2017 31st May 2017 30th J
Slide 15: Liability - Updates
Liability - Updates Updates as on 30th June 2017 ✓ 284 Branches are fully functional with latest technology and well equipped infrastructure ✓ 251 ATMs operational with biometric authentication; Cash Recyclers in selected branches ✓ 2,800 strong human resource for branch banking; Tele-relationship m
Slide 16: Diversified Resource base
Diversified Resource base All figures in INR Cr 8,208 7,071 100% 4.7% 9.9% NCDs 90% 4.0% 17.8% 80% 13.2% Refinance from 6.8% 70% FIs 11.0% 60% 20.7% CPs 15.7% 50% Loans from 40% Banks & NBFC 30% 50.0% Tier II Capital 20% 46.2% 10% Deposits 0% As on June 30, 2017 As on March 31, 2017 Off-Book O/S AUM
Slide 17: Treasury - Updates
Treasury - Updates ▪ Complied with CRR and SLR; Total Investments of Rs. 2,251 Cr of which Rs. 1,433 Cr as SLR investments (as against requirement of Rs. 1345 Cr) as on June 30, 2017. In addition, Balances with Banks and Money at Call and Short Notice of Rs. 623 Cr as on June 30, 2017. ▪ LCR of 470%
Slide 18: Compliances & Approvals
Compliances & Approvals Compliance Updates as on June 30, 2017 Particulars SFB Requirement Status as on June 30, 2017 Remarks Promoter Shareholding 26% 32% Complied 38% Foreign Shareholding Max. 49% Complied (at the time of listing) Less than Rs. 25 Lakh Min. 50% 66% Complied Portfolio Target will b
Slide 19: Shareholding Pattern as on July 28, 2017
Shareholding Pattern as on July 28, 2017 Promoter & Promoter Foreign Institutions Group - Domestic (FC, FPI, FII) 32.8% 37.6% Individuals - Domestic Others - Domestic 11.8% 6.1% Domestic Institutions (MF, Ins, FI, AIF) 11.7% 19
Slide 20: Profit & Loss Statement
Profit & Loss Statement INR cr Q1FY18 Q1FY17 Y-o-Y Q4 FY17 Q-o-Q FY17 Unaudited Unaudited Unaudited Audited Income Interest Earned 361 292 23% 344 5% 1,287 Interest Expended 178 124 43% 118 50% 483 Net Interest Income 183 168 9% 226 -19% 804 Other income 58 18 227% 36 61% 101 Total Net Income 241 18
Slide 21: Balance Sheet
Balance Sheet June 30, June 30, March INR cr Y-o-Y Q-o-Q 2017 2016 31, 2017 Unaudited Unaudited Audited Liabilities Capital 284 44 545% 284 0% Reserves and Surplus 1,764 1,554 14% 1,704 4% Deposits 815 - N.A. - N.A. Borrowings 7,393 4,828 53% 7,071 5% Other Liabilities and Provisions 717 582 23% 753
Slide 22: Abbreviations
Abbreviations Abbrevations SFB Small Finance Bank ROA Return on Average Assets Non-Banking Finance NBFC ROE Return on Average Shareholder's Fund Company IPO Initial Public Offer CAR Capital Adequacy Ratio NSE National Stock Exchange NII Net Interest Income Bombay Stock BSE NPA Non Performing Assets
Slide 23: Disclaimer
Disclaimer This presentation has been prepared by AU SMALL FINANCE BANK LIMITED (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Ban
Slide 24: THANK YOU
AU SMALL. FINANCE BANK THANK YOU 24
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