Professional Documents
Culture Documents
Chapter 5 Routh Axis
Chapter 5 Routh Axis
Mar 013 Capital Adequacy 0.00 Ratio EARNINGS RATIOS Income from Fund Advances as 0.00 a % of Op Income Operating Income as a % of Working Funds Fund based income as a 100.00 % of Op Income Fee based income as a 0.00 % of Op Income PROFITABL ITY RATIOS Yield on Fund Advances
49.48
42.51
42.56
36.28
14.81
16.10
14.73
22.59
85.58
86.07
85.28
91.28
14.41
13.92
14.71
8.71
7.32
6.84
6.27
8.19
Break-Even Yield Ratio Cost of 4.73 Funds Ratio Net Profit 12.17 Margin Adjusted Return On 12.21 Net Worth Reported Return On 12.21 Net Worth BORROWIN G RATIOS Borrowings from RBI as 0.00 % to Total Borrowings Borrowings from other banks as a 0.00 % to Total Borrowings Borrowings from others as a % to 100.00 Total Borrowings Borrowings within India as a % to 100.00 Total Borrowings Borrowings from outside India as a % 0.00 to Total Borrowings DEPOSIT RATIOS
0.00
0.00
0.00
0.00
11.54
32.37
9.55
18.61
23.17
45.64
63.42
57.36
34.71
78.02
72.98
75.97
65.28
21.97
27.01
24.02
Demand Deposit of 100.00 Total Deposits Saving Deposit of 0.00 Total Deposits Time Deposit of 0.00 Total Deposits Deposits within India as % to Total Deposits Deposits Outside India as % to Total Deposits PER BRANCH RATIOS Operating Income Per Branch Operating Profit Per Branch Net Profit Per Branch Personnel Expenses Per Branch Administrati ve Expenses Per Branch Financial Expenses Per Branch
19.22
19.86
22.56
25.74
20.62
20.10
15.42
12.33
60.14
60.02
62.01
61.92
99.63
100.00
100.00
100.00
0.36
0.00
0.00
0.00
Borrowings Per Branch Deposits Per Branch PER EMPLOYEE RATIOS (Rs. in Units) Operating Income Per Employee Operating Profit Per Employee Net Profit Per Employee Personnel Expenses Per Employee Deposits Per Employee Fund Advances Per Employee
9.26 104.79
5.96 89.14
5.25 93.55
2.09 83.15
5,472,542. 5,485,206. 4,829,294. 6,137,279. 38 78 06 66 1,195,476. 1,451,095. 1,293,245. 1,430,794. 65 07 96 89 663,264.93 742,839.77 685,089.48 791,634.17
382,110.32 366,552.42 371,465.66 351,755.15 58,903,407 61,213,995 66,607,855 60,788,809 .92 .57 .70 .11 36,950,383 34,051,931 32,772,362 27,162,590 .97 .02 .74 .66
Year ended 31-03-2013 (Rs. in 000) Cash flow from operating activities Net profit before taxes 7,313,011 Adjustments for: Depreciation on fixed assets 921,933 Depreciation on investments 34,158 Amortisation of premium on 875457 Held to Maturity investments Provision for Non Performing Advances/Investments (net off bad debts) 1,270,497 General provision on Securitised assets (4,000) Provision on standard assets 446,800 General provision for retail assets 800 Provision for wealth tax 1,457 Loss on sale of fixed assets 16,992 Amortisation of deferred employee compensation 63,235 TOATAL 10,940,340 Adjustments for: (Increase)/Decrease in investments (46,298,353)
(21,042,997)
(Increase)/Decrease in advances (68,244,549) Increase/ (Decrease) In borrowings 8,995,203 Increase/ (Decrease) In deposits 84,015,312 (Increase)/Decrease In other assets 4,598,124 Increase/(Decrease) in Other liabilities & provisions 11,543,386 Direct taxes paid (3,147,781) Net cash flow from Operating activities 2,401,682 Cash flow from investing activities Purchase of fixed assets (1,473,932) (Increase)/Decrease in Held to Maturity Investments (19,542,984) Proceeds from sale of fixed assets 42,235 Net cash used in Investing activities (20,974,681) Cash flow from financing activities Proceeds from issue of Subordinated debt (net of repayment) 10,000,000
(146,307,497)
3,393,000
Proceeds from issue of Perpetual Debt and Upper Tier II instruments Proceeds from issue of Share Capital 48,943 Proceeds from Share Premium (Net of share issue expenses) 800,524 Payment of Dividend (887,410) Net cash generated from Financing activities 9,962,057 39
13,735,120
29,401 330,025
(1,117,416) 16,370,130
CASH FLOW STATEMENT FOR THE YEAR ENDED 31 MARCH 2013 Year ended Year ended 31-03-2013 31-03-2012 (Rs. in 000) (Rs. in 000) Effect of exchange fluctuation Translation reserve Net increase in cash and cash equivalents (8,610,942) Cash and cash equivalents as at 1 April 2012 45,029,364 Cash and cash equivalents As at 31 March 2013 36,418,422 (5,015) 32,764,629 36,418,422 69,183,051
Schedule No. I INCOME Interest earned Other income TOTAL II EXPENDITURE Interest expended Operating expenses Provisions and contingencies TOTAL III CONSOLIDATED NET PROFIT ATTRIBUTABLE TO GROUP 15 16 17(5.1.1) 13 14
(Rs. in Thousands) 45,603,943 10,099,065 55,703,008 29,931,767 12,193,592 7,035,173 49,160,532 6,542,476 7,310,390 (318,028) 13,534,838 1,647,571 156,415 1,487,919 10,242,933 13,534,838
Balance in Profit & Loss account brought forward from previous year Utilization for Employee Benefits Provision under Accounting Standard (AS)-15 (Revised) 17 (4.10) IV AMOUNT AVAILABLE FOR APPROPRIATION V APPROPRIATIONS: Transfer to Statutory Reserve Transfer to Capital Reserve Proposed Dividend (includes tax on dividend) Balance in Profit & Loss account carried forward TOTAL VI EARNINGS PER EQUITY SHARE 17 (5.1.4)
23.33
22.63 17
Schedules referred to above form an integral part of the Consolidated Profit and Loss Account As per our report of even date For UTI BANK LTD. For S. R. BATLIBOI & Co. Chartered Accountants P. J. Nayak Chairman & Managing Director
BALANCESHEET AS ON 31ST MARCH 2013 CAPITAL AND LIABILITIES Capital Reserves & Surplus Employees' Stock Options Outstanding (Net) Deposits Borrowings Other liabilities and provisions TOTAL ASSETS Cash and Balances with Reserve Bank of India Balances with banks and money at call and short notice Investments Advances Fixed Assets Other Assets TOTAL 6 7 8 9 10 11 46,610,303 22,572,748 268,871,605 368, 764,60 6,778,359 18,962,161 732,559,782 schedule no: 1 2 17(4.15) 3 4 5 as on 31-3-13 (Rs in,000) 2,816,308 31,068,175 89,783 587,850,227 51,956,030 58,779,259 732,559,782
Contingent liabilities 12 1,841,653,501 Bills for collection 62,746,332 Significant Accounting Policies And Notes to Accounts 17 Schedules referred to above form an integral part of the Consolidated Balance Sheet As per our report of even date For UTI BANK LTD.
RATE OF DIVEDEND DECLAIRED BY AXIS BANK YEAR 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13
70% 60% 50% 40% 30% 20% 10% 0% DIVEDEND 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13
DIVEDEND 12% 15% 20% 22% 25% 28% 35% 45% 60%
RETAIL LIABILITIES SB DEPOSIT (RS. CRORE) 1423 2585 4891 8061 12165
14000 12000 10000 8000 6000 4000 2000 0 SB DEPOSIT 2008-2009 2009-2010 2010-2011 2011-2012 2012-2013
RETAIL LIABILITIES YEAR 2008-2009 2009-2010 2010-2011 2011-2012 2012-2013 RETAIL DEPOSIT(RS.CRORE) 4941 6296 8616 13618 19220
25000 20000 2008-2009 15000 10000 5000 0 RETAIL DEPOSIT(RS.CRORE) 2009-2010 2010-2011 2011-2012 2012-2013
RETAIL ASSETS
FINDINGS
Here lot of things I find to make this project report. Firstly know to how they manage there banking system. Secondly known there operation system. Thirdly known there controlling risk management.
Fourthly I know it that how to manage there financial system. How to operate their share holder. Know how to control competitors. Growth banking industry. Growth of axis bank.
CONCLUSION
It shows the various challenges and opportunities of bank like rural market, transparency, customer expectations, management of risks, and growth in banking sector, human factor, global banking, environmental concern, social, ethical issues, and employee and customer retentions.
Banks are striving to combat the competition. The competition from global banks and technological innovation has compelled the banks to re-plan their policies and strategies.
SUGGESTIONS
I would say that the biggest challenge for banking industry is to serve the mass market of India. Companies have shifted their focus from product to customer.
The better we understand customers, the more successful bank will be in meeting their needs. In order to mitigate above mentioned challenges Indian banks must cut their cost of their services. Technology up gradation is an inevitable aspect to face challenges. The level of consumer awareness is significantly higher as compared to previous years. Now-a-days they need internet banking, mobile banking and ATM services so bank has to provide good services to customers. Expansion of branch size in order to increase market share is another tool to combat competitors. Therefore, Indian nationalized and private sector banks must spread their wings towards global markets as some of them have already done it. Indian banks are trustworthy brands in Indian market; therefore, these banks must utilize their brand equity as it is a valuable asset for them. These are my suggestions to bank which help them to move towards the success.