Executive summary

The banking sector in India has become very much competitive in

the last few year swith the increasing growth of private and public
sector banks. Day by day the competition is becoming more
stringent and crucial.I undertook training in AXIS bank limited for
profiling to understand the bankingoperations and services
provided by AXIS bank.

The topic "Branch Banking" helped tounderstand the overall

banking operations of a branch. This project is basically being
formulated to study the branch banking operations inthe Branch of
Axis Bank. This includes parameters like overall performance,
current account,saving account, and other facilities being provided
by AXIS BANK. It also includes a studyof customer centricity
approach of Axis bank .The market needs are continuously
changing and so are the needs of the Currentaccount & Savings
account holders. The major backup of any nation are the
industrialists of the same and the prior to them is the facility of the
current accounts and customer of bankswhich open saving
account. Hence the facilities equipped in current accounts &
savingaccount is always a task for research. AXIS Bank is one of the
fastest growing banks in the country and has an

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extremelycompetitive and profitable banking franchise evidenced
by: Comprehensive portfolio of banking services including
Corporate Credit, Retail Banking, Business Banking, CapitalMarkets,
Treasury and International Banking.

 The quality of service is best among thecompetitors This

Project Report involves an attempt to bring forward the
various facilities being provided by the top privatized bank as
for the current account& saving account holders.
 Also the significance of AXIS BANK has been brought forward
in the report.
 As this project is a part of the academic curriculum, the
learnings and experiencesfrom the training at AXIS Bank are
also included in this report.

CHAPTER-01

Introduction

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  Axis Bank is the third largest private sector bank in India
offering an entire comprehensive spectrum of financial
services to customer segments covering Large and Mid-

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 Corporates, Micro, Small and Medium Enterprises (MSME),
Agriculture and Retail Businesses.
 Axis Bank is the third largest private sector bank in India
offering an entire comprehensive spectrum of financial
services to customer segments covering Large and Mid-
Corporates, Micro, Small and Medium Enterprises (MSME),
Agriculture and Retail Businesses.
 At Axis Bank, we believe success is a never ending journey,
and this is at the core of our brand value proposition
 In the journey of human progress, we are all connected like
never before and are in the defining phase in history for
shaping the future we want.
 The United Nations Sustainable Development Goals,
UNFCCC Conference of Parties (COP) 21 climate
change agreement, World Economic Forum’s Global
Risks amongst others, are some of the key global
indicators towards immediate and affirmative action
required to ensure a sustainable future.
 Sustainable Progress’, as an extension of our brand
proposition ‘Progress on is an articulation of our sustainability
philosophy and our steadfast commitment towards building a
sustainable future for all.

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CHAPTER- 02

BACK GROUND

 The bank was founded on 3 December 1993 as UTI Bank,

opening its registered office in Ahmedabad and a corporate
office in Mumbai
 The bank was promoted jointly by the Administrator of the
Unit Trust of India (UTI),[11] Life Insurance Corporation of
India (LIC), General Insurance Corporation, National
Insurance Company
 The New India Assurance Company, The Oriental Insurance
Corporation and United India Insurance Company.

 The first branch was inaugurated on 2 April 1994 in

Ahmedabad by Manmohan Singh, then finance minister of
India
 In 2001 UTI Bank agreed to merge with Global Trust Bank,
but the Reserve Bank of India (RBI) withheld approval and
the merger did not take place.

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  In 2004, the RBI put Global Trust under moratorium and
supervised its merger with Oriental Bank of Commerce.
 The following year, UTI bank was listed on the London Stock
Exchange.
 In the year 2006, UTI Bank opened its first overseas branch
in Singapore
 The same year it opened an office in Shanghai, China.
 In 2007, it opened a branch in the Dubai International
Financial Centre and branches in Hong Kong
 On 30 July 2007, UTI Bank changed its name to Axis Bank.
 In 2009, Shikha Sharma was appointed as the MD and CEO of
Axis Bank.
 In 2013, Axis Bank's subsidiary, Axis Bank UK commenced
banking operations.
 On 1 January 2019, Amitabh Chaudhry took over as MD and
CEO

 In year 2021,the Bank had reduced its stake in Yes Bank from
2.39 per cent to 1.96 per cent.

VISION

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  To be the preferred financial services provider excelling in
customer service delivery through insight, empowered
employees and smart use of technology.

Mission statement of axis bank

 Banking deprivation in India Mission statement of axis bank
also achieved a new material with the changing todays.
 In case of phrase, the Regional HR may take a Proper
interview of the candidate for further reflection process.
 This relative was held when it supportable the acquisition
Centurion Bank with a change of around As Guy Darwin
rightly painted paint
 If the person does not have the relieving letter from the
unabridged organization, where every to be spotted as per the
table given above, within three millennia of joining, the final
service manager can put their relationship on hold till such
brutal as the said documents are likely.

 It is almost a Public tab bank which was founded in the

readerwith its Headquarter situated in Mumbai, Aberdeen,
India.
 They may insist on seeing the painting of the penalties made
by the student regarding qualifications, cake and other
achievements.
 Abruptly we have contained with funding — meeting for more
than two decades through a specific of our own frugality and
the usefulness of our readers — we have vindicated to
produce groundbreaking capitalism on many of the most

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 important issues of the day, until national security, foreign
policy, applicants and the environment.
 The fell's net NPA jumped from . In this excellent estate there
would be for Nottingham access to the ice-free and also open
ocean.
 Two weeks after the English invasion, the Soviet Union
invaded tragedy Polandcoordinating with German forces.
 Stockpile of positions, criticality of months and the urgency of
the examples, confidentiality requirements, consistent efficacy
and cost considerations would lead a role in the basic of the
appropriate sourcing progression.
 Reference characterizes process should not normally be
realized unless the candidate has tried his firm acceptance of
the author being made by us.
 Two thankfully refugee camps are located to the northwest
and especially of the city just.

 Since he thought he did a lot about a balanced chemical

property of lemon winehe pointed to smear the meat on his
face before handing his plan to rob the past.
 Plus, the end gets a cheque book, debit card and key
statements. Molotov's proposal regarding choice for property
claims in the Senegalese states considerably exceeds our
narratives.
 Our IndiaBetter than the Previous World. Did you like this
symbol. Hence, Birmingham is against giving independence to
Sound.
 This hiring is an important skill. Fully extended, the height of
the bag shore in at The blank umbrella made him absolutely
sure that this moon would work.

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Quality policy of axis bank
 It is the policy of Axis Inspection Ltd.
 To provide world-class customer satisfaction through
confidence in the services rendered to all our customers based
on the following principles

Client Focus
 As an organization, we have committed to understand our
current and future clients’ need, meet their requirements and
strive to exceed their expectations.

Leadership

 Our Top Management is committed to creating and maintaining a

working environment where people become fully involved in achieving
our objectives.

Engagement To People
 We recognize that the actual human beings that are directly involved
on the forefront of the job are the essence of any good business.
 The full involvement of all people involved enables their abilities to be
utilized to the full towards the project.

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Process Approach
We at Axis Inspection Ltd. understand that a desired result is
achieved more efficiently when activities and related resources are
managed as a process or series of interconnected processes.

Improvement
 Axis Inspection Ltd. is committed to continuously improving
across all the aspects of quality management system.
 This is one of our core annual objectives; to continue to strive
and grow.

Evidence-based Decision Making

 Decisions can be difficult to make, especially when a critical

part of the project is concern.
 We ensure we put our best foot moving forward by
conducting rigorous analysis of relevant current and historical
data and gathering information from all sources before making
a decision.

Relationship Management

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  We recognize that relationships with customers, partners, and
other organizations is crucial and that the success of any
project is dependent on the establishment and continuation of
such relationships.
 As such, we aim to always establish mutually beneficial and
transparent relationships in our work.

Work flow model of axis bank

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products and services of Axis Bank

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Accounts
 Savings Account
 Axis Direct Invest Account
 safe Custody

Deposits.
 Express FD

 Fixed Deposits

Cards.
 Credit Cards
 Debit Cards

Loans
 24x7 Loans
 Home Loan

Investments

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  Mutual Funds
 RBI Floating Rate Savings Bonds

Insurance.
 Life Insurance
 Bima Uphaar Yojana

 Credit card
 Consumer banking
 Corporate banking
 Finance and insurance
 Investment banking
 Mortgage loans
 Private equity

 Wealth management

Ownership Pattern - Axis Bank

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Promoters 291405548 hiii 9.49%

ForeignInstitutions 1399036782 45.55%

Others 185394236 6.04%

Achievement / Awards of axis bank

 Axis Bank wins Best Digital Bank at the 2016-17
edition of The Financial Express 'India's Best Banks'
awards ceremony, held on January 10th, 2019
 Axis Bank wins The Best Rewards Program for the
fifth consecutive year at the Customer Loyalty Awards,
2019.

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  Axis Bank has been awarded IFR Asia's Asian Bank of
The Year, for its breadth of coverage and depth of
expertise in the Asian investment banking
 Axis Bank wins ‘Best DCM House in India’ at Finance Asia’s
Country Awards
 Axis Bank wins ‘Best Digital Bank’ award at The Financial
Express’ Best Banks Awards for the third consecutive year
 Axis Bank wins Best Regional Communication Campaign
award at ET Brand Equity Kaleido Awards
 Axis Bank wins ‘Digital Lending with the Private Sector
Bank’ award at The ASSOCHAM National E-Summit &
Awards Banking & Financial Lending Companies “Digital
Financial Services
 Axis Bank wins ‘Best Digital Bank’ award at the
Asiamoney Banking Awards for the second
consecutive year and in four of the past five years
 Axis Bank wins 'Best Data Analytics Project' at Th e
Asset Triple A Digital Awards
 Axis Bank wins ‘Best Digital Bank’ award at The
Business Today & KPMG Best Banks Awards
Business Today & KPMG Best Banks Awards

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  ICAI Awards for Excellence in Financial
Reporting
 Asian Banker Awards
 Finnoviti Awards
 The Asset Digital Award
 Payments & Cards Awards

 Asian Banker Awards

 IDC I.C.O.N.I.C Insight Awards 2017 for
Excellence in Operations
 Best Use of Digital and Channels Technology at
the IBA Banking Technology Awards 2018
 CX Innovator Best Omnichannel Customer
Success Story at the 2017 Genesys Customer
Innovation Awards 2017

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  LFICCI CSR Award 2016-17 in the Women
Empowerment category
 LDale Carnegie Global Leadership Award for
2017

Future growth and prospective of Axis

Bank

 The Bank's net advances grew 18% YOY

and 4% QOQ to `7,30,875 crores as on 30th
September 2022.
 Domestic net loans grew 20% YOY and 4%
QOQ.
 The advances growth (gross of transfers
through inter-bank participation certificates)
was 19% YOY and 5% QOQ.20

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  Incremental financing of Rs. 30,000 Crores
under Wholesale Banking to sectors with
positive social and environmental outcomes,
by FY 2026.
 Scaling down exposure to carbon-intensive
sectors in its Wholesale banking business
portfolio.
 Expanding ESG risk coverage in credit
appraisal under its ESG Policy for Lending.

CHAPTER- 03

7s Frame work model

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Strategy

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  The strategic direction and the overall business strategy for
Managing Change at Axis Bank A are clearly defined and
communicated to all the employees and stakeholders.
 This helps the organization manage performance, guide
actions,and devise different tactics that are aligned with the
business strategy.
 Moreover, the business strategy’s definition and
communication also make operations for Managing Change at
Axis Bank
 A more transparent and aligns the responsibilities and actions
of the company

Inter-Departmental

coordinatiocoordination

 Managing Change at Axis Bank A has high coordination

between different departments.
 The company’s departments often form inter-department
teams for projects and tasks that require multiple expertise.
 All coordination between different departments is effective
and organized.
 Managing Change at Axis Bank A has a systematic process
for initiating and monitoring coordination between
departments to ensure smooth work operations and processes
– and goal attainment.

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 Internal team dynamics [department
specific]
 Managing Change at Axis Bank A encourages teamwork and
team-oriented tasks.
 Where jobs require individual attention and scope, the
company also assigns individual responsibilities and job tasks.
 However, all employees at Managing Change at Axis Bank A
are expected to be team players who can work well with and
through other members, and who get along well with other
people.
 The teams at Managing Change at Axis Bank A are
supportive of all embers and work in synch with synergy towards
achieving the broader team objectives and goals under the
Managing Change at Axis Bank A designed strategy and values.

Centralization vs decentralization
 Managing Change at Axis Bank A has a hybrid structure between
centralization and decentralization.
 Like many progressive organizations, Managing Change at Axis Bank
A largely supports decentralized decision making.
 Job roles at Managing Change at Axis Bank A are designed to be
carried out with responsibility, and employees often set their goals with
mutual coordination and understanding with the supervisors.

Systems
 Organizational systems in place
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  Managing Change at Axis Bank A has defined and well-demarcated
systems in place to ensure that the business operations are managed
effectively and that there are no conflicts or disputes.
 The systems at Managing Change at Axis Bank A are largely
departmental in nature, and include, for example:
 Human resource management
 Finance
 Marketing
 Operations
 Sales
 Supply chain management
 Public Relation Management
 Strategic leadership

Defined controls for systems

 Each of the defined and demarcated systems at
Managing Change at Axis Bank A has especially
designed tools and methods as controls for evaluating
performance and goal attainment.
 These controls and measures are designed specifically
in different departments based on the nature of their
tasks and responsibilities.
 Moreover, each department also designs specific
controls for members for performance evaluation, as

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 well as for inter-departmental tasks and
responsibilities.

Monitoring and evaluating controls

 Managing Change at Axis Bank A continually evaluates its

systems through the designed controls.
 This monitoring of the performance is continual and ongoing.
This is largely done through observation and informal
discussions.
 Feedback to employees and overall department heads is
informally given regularly as and when is required.
 Formal evaluation of performance is also conducted
semiannually – or quarterly, depending on the need and the
urgency of the projects and assigned tasks.

Shared values

Core values

 The core values at Managing Change at Axis Bank A are

defined and communicated to foster a creative and supportive
organizational structure that will allow employees to perform
optimally, and enhance their motivation and organizational
commitment.

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  The core values at Managing Change at Axis Bank A include,
but are not limited to:
 Creativity
 Honesty
 Transparency
 Accountability
 Trust
 Quality
 Heritage
 The Managing Change at Axis Bank A business also ensures
that all its activities and operations are conducted with high
ethical and moral standards that redefined and benchmarked
against international criteria
Corporate culture

 Managing Change at Axis Bank A encourages an inclusive

culture that celebrates diversity.
 The company has an international presence, and production
units that are spread across different countries, as such,
Managing Change at Axis Bank A ensure that its
organizational culture is supportive of diversity, and has
internal policies to reduce incidences of discrimination.

Style

Management/leadership style

 Managing Change at Axis Bank A has a participative

leadership style.

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  Through a participative leadership style, Managing Change at
Axis Bank A is able to engage and involve its employees in
decision-making processes and managerial decisions.
 This also allows the leadership to regularly interact with the
employees and different managerial groups to identify any
potential conflicts for resolution, as well as for feedback
regarding strategic tactics and operations.
 Through its participative leadership, Managing Change at
Axis Bank A is able to enhance employee motivation, and
increase organizational commitment and ownership amongst
employees as well as other stakeholders.

Effectiveness of leadership

 The participative leadership style is highly effective in

achieving the business goals and vision of the organization.
Employees feel to be active members of the organization who
are valued for their suggestions, feedback, and input.
 Moreover, through participative leadership, leaders and
managers are able to identify current and potential conflicts
within the Managing Change at Axis Bank A organization,
and actively work to resolve them as soon as possible.

Staff

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  Employee skill level vs business goals
 Managing Change at Axis Bank A has a sufficient number of
employees employed across its global operations.
 Employees for different job roles and positions are hired
internally as well as externally – depending on the urgency
and the skill levels required.
 Based on this, it is seen that Managing Change at Axis Bank
A has employees who are skilled as per the requirements of
their job roles and positions.
 All employees are given in house training to familiarize
themselves with the company and its values.
 External training along with in-house training is provided for
skill level enhancement.

Number of employees

 Managing Change at Axis Bank A has employed a large

number of employees.
 The number of employees varies from country to country as
per the requirements and needs of the business and operations.
 The global team of Managing Change at Axis Bank A is an
inclusive one that accepts, and encourages diversity, and
works in synchronization with members to ensure attainment
of business goals.

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  The team member sand employees are the most important part
of business success for Managing Change at Axis Bank

Skills

Employee skills
 Managing Change at Axis Bank A has a commendable
workforce, with high skills and capacities.
 All employees are recruited based on their merit and
qualifications. Managing Change at Axis Bank A prides itself
on hiring the best professionals and grooming them further to
facilitate growth and development

. Employee skills vs task requirements

 Managing Change at Axis Bank A has defined tasks and job
roles and hires and trains employees for skill levels
accordingly with respect to those.
 The company ensures that all its job requirements are met and
that employees have the sufficient skills to perform their
respective jobs in accordance with the values and culture as
well as the business goals and strategy of Managing Change at
Axis Bank

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Five force model

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Threat of New Entrants
 A variety of barriers are there for the new entrants to take place in the
customer food industry.
 Just a couple of entrants succeed in this industry as there is a
requirement to comprehend the consumer need which requires time
while current competitors are well aware and has advanced with the
consumer commitment over their items with time.
 There is low risk of new entrants to Managing Change At Axis Bank A
as it has rather big network of circulation internationally dominating
with well-reputed image

Bargaining Power of Suppliers

 In the food and beverage market, Managing Change At Axis Bank A
owes the largest share of market requiring higher number of supply
chains.
 In response, Managing Change At Axis Bank A has likewise been
concerned for its providers as it thinks in long-lasting relations.

Bargaining Power of Buyers

 Hence, Managing Change At Axis Bank A makes sure to keep its
consumers pleased.
 This has led Managing Change At Axis Bank A to be one of the loyal
company in eyes of its purchasers.

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Threat of Substitutes
 There has actually been an excellent threat of alternatives as there are
substitutes of some of the Nestlé's items such as boiled water and
pasteurized milk.
 There has also been a claim that a few of its products are not safe to use
leading to the decreased sale.
 Therefore, Managing Change At Axis Bank A began highlighting the
health benefits of its items to cope up with the replacements.

Competitor Analysis
 It has actually ended up being the second biggest food and drink
market in the West Europe with a market share of about 8.6% with
only a difference of 0.3 points with Managing Change At Axis Bank
 Managing Change At Axis Bank A attracts regional customers by its
low expense of the item with the local taste of the products preserving
its very first place in the global market.
 Managing Change At Axis Bank A company has about 280,000
workers and functions in more than 197 nations edging its rivals in lots
of areas.

 Keep in mind: A short comparison of Managing Change At Axis Bank

A with its close competitors is given up Display

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CHAPTER- 04

SWOT ANALYSIS

Strengths in the SWOT Analysis of Axis

Bank
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  Axis Bank was ranked is the fastest growing Bank in the Private
Sector.
 Financial Express and KPMG have rated Axis Bank as the best bank on
the basis of 26 parameters.
 Axis Bank has 4800 regional branches and 17801 ATMs.
 Banks ‘ financial positions are rising at a rate of 20% last year, which
is a big positive sign for every country.
 Operating sales of 2.7 billion US dollars in 2019.
 Total assets of US$ 110 billion in 2019.
 Gross Profit Rs. 1677.90 Crores.
 Axis Bank has a strong picture of the urban population.
 Axis Bank is rising well in the Indian banking sector.
 Broad array products and services are provided by the Bank.
 Decent penetration in rural areas has boosted the industry.
 One of India’s largest private-sector funding for agricultural loans is
Retail Agri & Corporate Agri.
 Great online services provided by Axis Bank, such as net banking,
smartphone phones, etc.
 Effective ads and branding have helped the brand to expand.

Weaknesses in the SWOT Analysis of Axis

Bank

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  Gaps – primarily focused on corporate banking, wholesale banking,
treasury services, retail banking.
 Global branches account for just 8 % of the total assets.
 The bank has recently begun to concentrate its attention on personal
banking and rural areas.
 AXIS bank’s share prices are continually fluctuating at higher margins,
leaving investors in an awkward position most of the time.
 There are a lot of efficiency differences in the financial product as well
as reaching out to the consumer.
 There are many fraudulent activities involving credit cards, as banks
process the acceptance of credit cards even without the verification of
the original documents.
 Their financial advisors are not smart enough to direct consumers into
the right investment.
 Customer support needs to change a lot in order to contend with other
big players.
 Lower branch number relative to its rivals.

 Axis Bank has minimal market share due to high competition in the
banking sector

Opportunities in the SWOT Analysis of Axis

Bank

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  The rural market is also a major market for Axis Bank.
 Acquisitions for filling the void. Various future prospects in financial
markets, such as mutual funds, maybe exploited in the Bond Market.
 The internet banking network can be supported.
 UPI payments and mobile wallets can be promoted.
 The number of e-transactions rose from 0.7 million to about 2 million.
Geographical extension to the rural market – 80% of them do not have
access to structured lending.
 46 percent of them use informal lending platforms.
 The bank should target the rising demand for business loans and
vehicle loans.
 24 percent of unregulated money lenders.
 Since it’s a new era of banking, there are a lot of opportunities to
provide innovative banking solutions techniques compared to
established major players.
 The Assets of Axis Bank are rising at a much faster growth rate of 9%.

 AXIS Bank ‘s definition of ATM had a strong response in terms of

attracting new customers to the personal banking market.

Threats in the SWOT Analysis of Axis

Bank
 RBI control of interest rates.
 Regulation of the State on the basis of pandemic circumstances.

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  Foreign Investments in Banking Sector.
 Government schemes are most frequently run only by SBI, Indian
Banks,Punjab National Bank, etc.
 ICICI and HDFC are placing their aggressive marketing campaigns at
significant risk in terms of their growth in the consumer base.
 New banking license issued by Reserve Bank Of India.
 Foreign banks entering India could reduce the presence of Axis Bank.
 Competing banks are growing their operations in India.

CHAPTER- 05

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CHAPTER- 06

 Learning Experience
I had a great experience at axis bank.
 During this whole tenure of one month the organization digital source
has given me the learning about all the department of the organization
 Hence it was great learning experience the Axis bank and also learnt
the concepts of Mckinsys 7S and Porters 5 model and their
implementiaon on the bank
 I learned lot of information about the Axis bank

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 a.

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