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Banking Assignment- 2

Banking Assignment- 2

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Published by: goelabhishek90 on Jul 06, 2012
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Analysis Of Q4 2011
Banking Co.’s Performance
(Public Sector Vs PrivateSector)
Banking Assignment - 2
2012
 
Prepared by: Sudhanshu Garg ,Abhishek Goel Sayantan Basak
 
Private Bank:
Axis Bank 
Public Bank:
Oriental Bank of Commerce
 
 
Axis bank was the first of the new private banks to have begun operations in 1994, after theGOI allowed new private banks to be established. The Bank was jointly promoted by theadministrators of UTI, LIC, GIC and other four PSU insurance companies, i.e. NationalInsurance Co Ltd., The New India Assurance Co. Ltd., The Oriental Insurance Co. Ltd. andUnited India Insurance Co. Ltd.The Bank as on 31
st
March, 2012 is capitalized to the extent of Rs. 413.20 Cr with the publicholding at 54.08%. The Bank has a very wide network of more than 1600 branches and over10000 ATMs as on 31
st
March, 2012 providing 24 hrs a day banking convenience to itscustomers.
1.
 
Profitability:
 
(Amounts in Cr.)
 
From the above Chart it is evident that:
 
Net Profit has increased by 25.19 % because sales have increased by 39%YOY.
 
There is an increase of 18.50% in operating revenue.
 
Total Net Advances grew 19% YOY to `1,69,760 crores.
 
Retail Advances grew by 35% YOY to 37,570 crores; constituted 22% of totaladvances, as compared to 19% at the end of Q4FY11
102017633151127718923734
Net ProfitCore OperatingProfit Operating Revenue
Q4 FY 11Q4 FY 12
 
 
2.
 
Net Interest Margin and Cost of Funds:
From the above Chart it is evident that:
 
In Q4 FY 12, Net Interest Margin stands at 3.55% i.e. Rs. 2146 Crores.
 
Net interest income has shown an increase of 40% in 5 years CAGR.
3.
 
Fee Income Composition:
(Amounts in Cr.)
 
From the above Chart it is evident that:
 
There is an overall increase of 8% YOY in Fees income.
 
Axis bank has earned Rs. 1327 cr. from fee in Q4FY12.
 
If we see individually fees income from retail business has shown a maximumincrease of 20.83% YOY
 
There is a fall of 32% YOY on fees from capital markets. This can be due tofall in Capitals markets.
3.44%3.55%5.56%6.45%Q4 FY11Q4 FY 12Net Interest MarginCost of Funds
4382551001931244224911713377Large & MidCorprate CreditTreasuryAgri & SMEBankingCapitalMarketsRetail BusinessQ4 FY 11Q4 FY 12

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