CAPITAL ADEQUACY

Absolute size of
capital
Quality of capital
Well above the
stipulated ratios.
Net NPA / Total
Capital

(Net NPA + Expected

NPAs form 2% in the
Restructured assets ) case of
as a % of Total Capital HDFC.

CAR Industry
average:
16.04%
LIQUIDITY / ASSET LIABILITY MANAGEMENT

Call or Repo borrowings from RBI

Refinance available from the following institutions:
Sl Institution Limit (Rs. Crores) Rate
No
1 RBI Bank rate
2 National Bank for Agriculture and Rural
Development(NABARD)
3 National Housing Board (NHB)
4 Export Import Bank of India (EXIM bank)
Size of Deposit Base:
Sl Value
No
1 Number of customers
2 Domestic branch network
3 Spread of branches
4 Growth of deposits over the last 5 Insert graph Insert average Hence stable
years annual rate of
growth

1. Liquid Assets / Total Assets:

Total Assets = ______ Rs. Crores

Sl Investment Type Amount (Rs. Crores) Ratio to total assets

No
Sovereign Investments
Liquid Mutual Funds
Other short-term fixed instruments

2. Liquidity Coverage Ratio:

Sl BASEL III RBI specifications Axis Bank’s

No specifications position
Liquidity Coverage Ratio (LCR)

3. Proportion of small deposits:

Small Deposits (below Rs. 1 Total Deposits Small Deposits as a

crore) % of total deposits

4. Interest Rate Risk:

 Will be judged based on the Asset Liability maturity Profile.
In general, the following is found in the banking industry:

Sl Advance Type Funded by Interest rate risk

No exposure?
1 Floating rate advances portfolio
(linked to marginal cost of funds
Short to medium
based lending rate)
tenure liabilities
2 Relatively long duration
investment portfolio

ASSUMPTIONS:
1. Axis bank is a single entity. Not considered the subsidiaries and the foundation.
2.