Axis Bank was the first new private sector bank established in India in 1994. It is jointly owned by UTI, LIC, GIC and other PSU insurance companies. As of 2010, Axis Bank had over 1,000 branches across India and one of the largest ATM networks in the country. It offers a wide range of banking products and services including investment banking, corporate banking, retail banking, private banking, investment management, mortgage loans, and credit cards. Axis Bank has seen steady growth over the last few years and aims to differentiate itself from other large private banks through its business strategy.

1. Presented By:
DEEPAK KUMAR
MBA 3RD SEM.
RAI BUSINESS SCHOOL,
NEW DELHI

2. About Axis Bank
•Axis Bank was the first of the new private banks to
have begun operations in 1994, after the Government
of India allowed new private banks to be established.
•The Bank was promoted jointly by the Administrator
of the specified undertaking of the Unit Trust of India
(UTI - I),
• Life Insurance Corporation of India (LIC) and General
Insurance Corporation of India (GIC) and other four
PSU insurance companies, i.e. National Insurance
Company Ltd
•The Bank's Registered Office is at Ahmadabad and its
Central Office is located at Mumbai.

3. About Axis Bank
•The Bank has a very wide network of more than
1042 branches (including 56 Service Branches/CPCs
as on 30th June 2010).
•The Bank today is capitalized to the extent of Rs.
407.44 crores with the public holding (other than
promoters and GDRs) at 54.51%.
• It has one of the largest ATM networks in the
country.
•As on the year ended 31 March 2009 the Bank had
a total income of Rs. 13,745.04 .
•As on 2010 it has 13,389 employees.

4. Board of Directors
Dr. Adarsh Kishore Chairman
Smt. Shikha Sharma Managing Director & CEO
Shri J.R. Varma Director
Dr. R.H. Patil Director
Smt. Rama Bijapurkar Director
Shri R.B.L. Vaish Director
Shri M.V. Subbiah Director
Shri K. N. Prithviraj Director
Shri V. R. Kaundinya Director
Shri S. B. Mathur Director
Shri M. S. Sundara Rajan Director
Shri S. K. Roongta Director

5. Promoters
•Axis Bank Ltd. has been promoted by the largest
and the best Financial Institution of the country,
UTI.
•The Bank was set up with a capital of Rs. 115 crore,
with UTI contributing Rs. 100 crore, LIC - Rs. 7.5
crore and GIC and its four subsidiaries contributing
Rs. 1.5 crore each.
•Specified Undertaking of the Unit Trust of India
(SUUTI) - Shareholding 23.86%.
•SUUTI manages assured return schemes along with
6.75% US-64 Bonds, 6.60% ARS Bonds with a Unit
Capital of over Rs. 14167.59 crores.

6. Branch Network
•At the end of October 2009, The
Bank has a very wide network of
more than 1000 branches and
Extension Counters (as on 31 March
2010).The
•Bank has a network of over 4055
ATMs (as on 31 March 2010). The
Bank has loans now (as of June
2007) account for as much as 70 per
cent of the bank’s total loan book of
Rs 2,00,000 crore.

7. Risk and Earning Perspective
•From a medium-term perspective, it appears
that Axis Bank could be charting out a niche for
itself in the private bank space.
• It appears to be following a business strategy
quite different from the high-volume and
commodity-style approach of ICICI Bank and
HDFC Bank.
•Strategy also has its pluses in terms of the
higher margins in some segments of the retail
business and the in-built credit risk
diversification (and mitigation) achieved
through a widely dispersed retail credit
portfolio.

8. Products
•Investment Banking
•Corporate Banking
•Retail Banking
•Private Banking
•Investment Management
•Mortgage Loan
•Credit Card

9. Investment Banking
•An investment banking is a financial institution that
assists corporations and governments in raising
capital by underwriting and acting as the agent in
the issuance of security.
•An investment bank also assists companies involved
in mergers and acquisitions, derivatives, etc.
•Unlike commercial banks and retail banks,
investment banks do not take deposits.

10. Commercial Banking
•A commercial banking is a type of financial
intermediary and a type of bank.
•Commercial banking is also known as business
banking.
•It is a bank that provides checking accounts,
savings accounts, and money market accounts and
that accepts time deposits.
•Commercial banking may also be seen as distinct
from retail banking, which involves the provision of
financial services direct to consumers.

11. Retail Banking
•Retail banking refers to banking in
which banking institutions execute
transactions directly with consumers, rather
than corporations or other banks.
•Services offered include: savings
and checking accounts, mortgages, personal
loans, debit cards, credit cards, and so forth.

12. Private Banking
•Private banking is a term
for banking, investment and other financial
services provided by banks to private
individuals investing sizable assets.
•The term "private" refers to the customer
service being rendered on a more personal
basis than in mass-market retail banking,
usually via dedicated bank advisers.
• It should not be confused with a private
bank, which is simply a non-incorporated
banking institution.

13. Investment Management
•Investment management is the professional
management of various securities (shares,
bonds and other securities)
and assets (e.g., real estate), to meet specified
investment goals for the benefit of the
investors.
• Investors may be institutions (insurance
companies, pension funds, corporations etc.)
or private investors (both directly via
investment contracts and more commonly via
collective investment schemes e.g. mutual
funds or exchange-traded funds).

14. Mortgage Loan
•A mortgage loan is a loan secured by real
property through the use of a mortgage note
which evidences the existence of the loan.
•Rate of interest charged by Axis Bank is 8.75%
(floating) upto Rs.30 lacs, 9.25%(floating)
above Rs.30 lacs and 14% (fixed) irrespective of
the loan amount.

15. Credit Card
•Credit card is a small plastic card issued to
users as a system of payment. It allows its
holder to buy goods and services based on the
holder's promise to pay for these goods and
services.

16. Last two years performance of Axis Bank