AU Small Finance Bank Limited
AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and p… Read more
AU Small Finance Bank Limited - Asset Resilience Ratio
AU Small Finance Bank Limited (AUBANK) has an Asset Resilience Ratio of -9.30% as of March 2023. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2014–2023)
This chart shows how AU Small Finance Bank Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down AU Small Finance Bank Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹0.00 | 0% |
| Short-term Investments | ₹-83.89 Billion | -9.3% |
| Total Liquid Assets | ₹-83.89 Billion | -9.30% |
Asset Resilience Insights
- Limited Liquidity: AU Small Finance Bank Limited maintains only -9.30% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
AU Small Finance Bank Limited Industry Peers by Asset Resilience Ratio
Compare AU Small Finance Bank Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Bank of Qingdao Co Ltd
SHE:002948 |
Banks - Regional | 1.86% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
Annual Asset Resilience Ratio for AU Small Finance Bank Limited (2014–2023)
The table below shows the annual Asset Resilience Ratio data for AU Small Finance Bank Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-03-31 | -9.30% | ₹-83.89 Billion | ₹902.16 Billion | -1.56pp |
| 2022-03-31 | -7.74% | ₹-53.48 Billion | ₹690.78 Billion | -5.44pp |
| 2021-03-31 | -2.30% | ₹-11.88 Billion | ₹515.91 Billion | -0.52pp |
| 2020-03-31 | -1.79% | ₹-7.53 Billion | ₹421.43 Billion | +0.42pp |
| 2019-03-31 | -2.21% | ₹-7.20 Billion | ₹326.23 Billion | -19.70pp |
| 2017-03-31 | 17.50% | ₹17.18 Billion | ₹98.18 Billion | +15.90pp |
| 2016-03-31 | 1.60% | ₹1.00 Billion | ₹62.73 Billion | -2.72pp |
| 2015-03-31 | 4.32% | ₹1.72 Billion | ₹39.80 Billion | -2.49pp |
| 2014-03-31 | 6.81% | ₹2.01 Billion | ₹29.59 Billion | -- |