AXIS BANK

The AXIS Bank is a leading private sector bank and financial services company in
India offering a wide range of products and services to corporate and retail customers through
a variety of delivery channels.
Since commencing operations in April 1994 the Bank has grown both in terms of its physical
network of branches, extension counters and ATMs, as well as in terms of the size of asset
base. The Bank's ATM network of 3,595 ATMs is the third largest in the country. The Bank
has a wide presence through its 835 Branches & Extension Counters across 515 cities and
towns across India.

1. AXIS Bank Corporate Office

The Axis Bank Corporate Office in Mumbai (also known as the Axis
House), received the ‘Platinum’ rating by the US Green Building Council for its environment
friendly facilities and reduction of carbon emission.
2. International Branches

Singapore
Defense Salary Account
Hong Kong
Dubai
Shanghai
Colombo
Business Global
3.Products Current Account

Savings Account Current Account

Easy Access Savings Account Business Prime

Prime Savings Account Business Advantage Current Account
Corporate Salary Account Business Select Current Account
Defense Salary Account Business Classic Current Account
Business Global Current Account
 General Insurance

Axis Bank has a Corporate Agency partnership with

TATA AIG General Insurance to distribute General Insurance
products. The various General Insurance products available
for sale at Axis Bank branches are:

•Health Insurance

•Motor Insurance

•Jewellery Insurance

•Personal Accident Cover

•Home Insurance

•Travel Insurance
 4.2 Loans

Home Loans
Car Loans
Personal Loans
Loans Against Property
Loans Against Share
Loans Against Securities
Loans Against Gold

4.3 Cards

Titanium Smart Traveler Credit Cards

Platinum Advantage Credit Card
Visa Signature Credit Card
Visa Infinite Credit Card
 4.4 Agri Business Loans

Kisan Power
Power Gold

Kisan power

Kisan Power aims at providing adequate

and timely credit to farmers for various needs.
It gives farmers the flexibility to choose between cash,
credit and term loans with friendly repayment terms.

Power Gold

Power Gold gives easy loans up to 15, 00,000 to individuals

engaged in agriculture or allied activities, against the pledge
of Gold ornaments.
 The Business Gaurav SME Awards
In 2011-12, Axis Bank set up 6 SME centers and SME cells each
across the country, taking the total number to 32 SME Centers.
The Bank also organized the ‘Business Gaurav SME Awards’
in association with Dun & Bradstreet to recognize and award
achievements in the SME space.

Awards and Recognitions

In year 2011-12

Bank of the Year – India The Banker Awards 2011.

Best Bank - Private Sector NDTV Profit Business Leadership Awards.
Best Bank 2011 Outlook Money.
Brand Excellence Award 2011 (BFSI) Star News.
The Most Consistent Large Bank Best Banks-2011.
Most Productive Private Sector Bank FIBAC 2011 Banking Awards.
3rd Strongest Bank in Asia-Pacific Region Asian Banker.
The Best Domestic Bank- India The Asset Triple A Country Awards 2011.
Best Risk Master (Private Sector Category) FIBAC 2011 Banking Awards.
Best Bond House India -2011 Finance Asia.
 BOARD OF DIRECTORS

NAME DICLERATION

Adarsh Kishore Chairman / Chair Person

Rama Bijapurkar Director
V R Kaundinya Director
Prasad R Menon Director

Samir K Barua Director

Som Mittal Director
Somnath Sengupta Executive Director
Shikha Sharma Managing Director & CEO

K N Prithviraj Director
S B Mathur Director
R N Bhattacharyya Director
A K Dasgupta Director
V Srinivasan Executive Director
Ireena Vittal Addnl. & Ind.Director
7. Average Collection Period = Days

Or

8. Average Payment Period = Days

Or

9. Fixed Assets Turnover Ratio = Times

10. Working Capital Turnover Ratio = Times

11. Gross Profit Ratio = %

12. Net Profit Ratio = %

13. Operating Net Profit = %

14. Operating Ratio = %

15. Expenses Ratio = %

16. Earnings per Share = Times

17. Dividend per Share = %

 OBJECTIVES

Ratio has been defined that technique that is possibly used to facilitate the
comparison of significant figures thereby expressing the relationship in form of
percentage.

The objectives therefore included:

The main objectives are to study of different ratio used in Axis Bank to know
financial performance based on ratio.

To know the financial position of the axis bank.

To provide in formulation for making time series analysis.

I.e. comparison of banks presents ratios & past ratios.

To interpret the financial ratios of the bank & give proper suggestion for its
improvement.
 RESEARCH METHODOLOGY

Research Methodology:-
Research methodology is a way to systematically solve the research problem. The research
methodology using for find out the solution of the research problem is analytical research
methodology and some extend descriptive research methodology.

Method of Data Collection

PRIMARY DATA COLLECTION :-

Primary data are those which are collected for the first time. They are original in character. They
are collected by the researcher for the first time of his own use. The main tools for collection of
data will be collection through internal as well as external source.

SECONDARY DATA COLLECTION :-

Secondary data are those which have already been collected by others. When it is not possible to
collected data in primary form, the research may the help of secondary data. They are those
which have already been collected with some other view in mind. They are collected for serving
the objectives other for than what the researcher might have in his mind.
 CALCULATION OF PROFITABILITY RATIO (Rs. In Crors)

PROFITABILITY RATIO
Interest Spread Adjusted Cash Margin(%)
Net Profit Margin Return on Long Term Fund(%)
Return on Net Worth(%) Adjusted Return on Net Worth(%)

97.35
88.75

72.29 71.17
66.34

15.51 17.2 16.1 13.31 12.22

16.69 18.59 18.71 17.83 17.63 17.77
15.67 14.76 14.19
18.51 12.21
17.87 15.69 17.85
3.91 3.73 3.95 4.24 3.77 12.38

2012 2011 2010 2009 2008

 CALCULATION OF MANAGEMENT EFFICIENCY RATIOS

Net Interest Income / Total Funds

Operating Expense / Total Funds

6.32
Profit Before Provisions / Total Funds 0.1 Asset
2008 4.83
Net Profit / Total Funds 9.56 Turnover
0.18
Ratio
5.34 7.78
5.08 4.98 0.11
4.94
4.74 2009 5.56 Total Assets
10.6 Turnover
0.19
Ratios
7.31
0.09
2010 4.04 Interest
9.51
0.17 Expended /
2.94
2.64 5.56 Capital
2.46 2.57 2.54 2.51 0.09 Employed(%)
2.38 2.25 2011 4.06 Total Income /
2.47 2.07 9.3
0.15 Capital
1.61 1.6 1.53
1.41 1.17 0.11 Employed(%)
0.1
2012 5.29
10.35 Loans
0.17 Turnover
0 10 20
2012 2011 2010 2009 2008
 CONCLUSION

According to financial Ratio analysis of Axis bank its performance in the private
bank is good and expected to grow further in the near future which is a good sign
for investment.

Earnings per Share and dividend both are increasing year to year.

 The Financial Ratio analysis is a process of evaluating the financial statements to

obtain a better understanding of the Bank‘s position and performance.

 Financial Ratio analysis is the process of selection, relation and evaluation. The
first task of financial analyst is to select the information from the financial
statements. The second step is to arrange the information in a way to highlight
significant relationships. The final step is interpretation and drawing of inferences
and conclusions.

The financial year 2011 the Current Ratio is decrease by 0.02 %.

 SUGGETION

The analysis carried out at on the Axis Bank, their profit and loss account,
balance sheet and ratios. I shall suggest the investors to invest in Axis Bank than the
other banks as a value investment.

Reasons:

Largest private sector bank in India.

Strong increase in profit year-on-year basis.

Increasing EPS indicate good earnings.

Increase in sharing profit with shareholders in form of dividend.

Axis Bank is expanding its footholds on international level also; its Insurance and
asset management business are also performing well.