AU Small Finance Bank Limited - Asset Resilience Ratio

Latest as of March 2023: -9.30%

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. See AU Small Finance Bank Limited working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

Rs-83.89 Billion

≈ $-907.26 Million USD Cash + Short-term Investments

Total Assets

Rs902.16 Billion

≈ $9.76 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2014–2023)

This chart shows how AU Small Finance Bank Limited's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see AUBANK total asset value.

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. Explore AUBANK long-term investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs0.00	0%
Short-term Investments	Rs-83.89 Billion	-9.3%
Total Liquid Assets	Rs-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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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%	Rs-83.89 Billion ≈ $-907.26 Million	Rs902.16 Billion ≈ $9.76 Billion	-1.56pp
2022-03-31	-7.74%	Rs-53.48 Billion ≈ $-578.34 Million	Rs690.78 Billion ≈ $7.47 Billion	-5.44pp
2021-03-31	-2.30%	Rs-11.88 Billion ≈ $-128.45 Million	Rs515.91 Billion ≈ $5.58 Billion	-0.52pp
2020-03-31	-1.79%	Rs-7.53 Billion ≈ $-81.41 Million	Rs421.43 Billion ≈ $4.56 Billion	+0.42pp
2019-03-31	-2.21%	Rs-7.20 Billion ≈ $-77.86 Million	Rs326.23 Billion ≈ $3.53 Billion	-19.70pp
2017-03-31	17.50%	Rs17.18 Billion ≈ $185.78 Million	Rs98.18 Billion ≈ $1.06 Billion	+15.90pp
2016-03-31	1.60%	Rs1.00 Billion ≈ $10.87 Million	Rs62.73 Billion ≈ $678.40 Million	-2.72pp
2015-03-31	4.32%	Rs1.72 Billion ≈ $18.60 Million	Rs39.80 Billion ≈ $430.41 Million	-2.49pp
2014-03-31	6.81%	Rs2.01 Billion ≈ $21.79 Million	Rs29.59 Billion ≈ $319.96 Million	--

pp = percentage points

About AU Small Finance Bank Limited

NSE:AUBANK India Banks - Regional

Market Cap

$8.37 Billion

Rs773.87 Billion INR

Market Cap Rank

#2554 Global

#103 in India

Share Price

Rs1033.20

Change (1 day)

+0.51%

52-Week Range

Rs706.05 - Rs1128.60

All Time High

Rs1128.60