Deogiri College Of Management Studies, Aurangabad
“The Axis Bank Pvt. LTD”
Lokesh Satish Chhajed
BBA VI Semester
Guided By Principal
Prof. Hemlata Chatlani Dr. B. S. Jadhav
Dr. Babasaheb Ambedkar Marathwada University,Auranagbad.
Deogiri College Of Management Studies Aurangabad
This is to certify that project report on “The Axis
Bank Pvt. LTD.” submitted by Mr. Lokesh Satish Chhajed as per
the requirement of Dr. Babasaheb Ambedkar Marathwada
University, Aurangabad in the partial fulfillment of BBA
Management VI Semester for the academic year 2018-2019.
Guided by Principal
Prof. Hemlata Chatlani Dr. B.S. Jadhav
I, Lokesh Satish Chhajed, thanks to Prof. Hemlata
Chatlani. Her expertise was valuable during each step of the
project from narrowing the scope of the research to theoretical
development and analysis.
I would like to give sincere thanks to Principal
Dr. B.S.Jadhav for encouraging and guiding me through Project
and providing me with an opportunity to prepare a project
Lokesh Satish Chhajed
I Lokesh Satish Chhajed, hereby declare that I have
completed the Project on “The Axis Bank Pvt. LTD.” and
submitted the report for the same.
It has not been submitted either full or partially
any other institute prior in any other connection. I have done
the project as per the guidelines of my respected guide.
Guided By Student Name
Prof. Hemlata Chatlani Lokesh Satish Chhajed
2 COMPANY PROFILE
3 COMPANY HISTORY
4 PRODUCT PROFILE
5 OBJECTIVES OF THE STUDY
6 SCOPE OF THE STUDY
7 RESEARCH METHODOLOGY
• PRIMARY DATA
• SECONDARY DATA
8 DATA ANALYSIS & INTERPRETATION
9 SWOT ANALYSIS
Axis Bank is the third largest private-sector banks in India offering a
comprehensive suite of financial products. Axis Bank was incorporated in
the year 1993 with the name UTI Bank Ltd. Axis Bank is one of the first
new generation private sector banks to have begun operations in 1994. The
bank has its head office in Mumbai, Maharashtra. It has 3,703 branches,
13,814 ATMs, and nine international offices. The bank employs over 55,000
people and had a market capitalization of 1.31 trillion (US$18 billion) (as on
March 31, 2018). It sells financial services to large and mid-size corporates,
SME, and retail businesses.
Axis Bank operates in four segments, namely treasury, retail banking,
corporate/wholesale banking and other banking business. The treasury
operations include investments in sovereign and corporate debt, equity
and mutual funds, trading operations, derivative trading and foreign
exchange operations on the account, and for customers and central
Retail banking includes lending to individuals/small businesses subject to
the orientation, product and granularity criterion. It also includes liability
products, card services, Internet banking, automated teller machines
(ATM) services, depository, financial advisory services, and non-resident
Indian (NRI) services.
The corporate/wholesale banking segment includes corporate
relationships not included under retail banking, corporate advisory
services, placements and syndication, management of publics issue, project
appraisals, capital market related services, and cash management services.
As of 30 Jun. 2016, 30.81% shares are owned by promoters and promoter
group (United India Insurance Company Limited, Oriental Insurance
Company Limited, National Insurance Company Limited, New India
Assurance Company Ltd, GIC, LIC and UTI). The remaining 69.19% shares
are owned by mutual funds, FIIs, banks, insurance companies, corporate
bodies, and individual investors among others.
WHAT IS BANKING?
Banking is a business of accepting deposits and lending money. it is
carried out by financial intermediaries, which perform the functions of
safeguarding deposits and providing loans to the public. In other words,
banking means accepting for the purpose of lending or investment of
deposits of money from public repayable on demand and can be
withdrawn by cheques draft order and so on.
Banking system is a principal mechanism through which the
money supply of the country is created and controlled. The banking system
enables us to understand commercial banks, secondary banks, central
banks, merchant bank or accepting houses and discount houses but to
exclude the saving banks and investment and other intermediaries.
▪ DIFFERENCE BETWEEN PUBLIC & PRIVATE SECTOR
❖ Public sector banks are those where majority of the stake in the bank
is held by Government. Where as in private sector bank, majority is
held by shareholders of the bank.
❖ SBI is a public sector bank and AXIS is a private sector bank.
❖ Both type of bank offer same services, however charges differ and so
as the quality and time duration for the services provided. One can
also see the difference between interest rates.
LOGO OF AXIS BANK:
Deepika Padukone, a Bollywood Actress was appointed as the brand
ambassador of Axis Bank.
TAGLINE OF AXIS BANK:
“Badhti ka naam zindagi.”
Traded as BSE: 532215
Industry Banking, Financial services
Founded 1990 (as UTI Bank)
Headquarters Mumbai, Maharashtra, India
Key people Amitabh Chaudhry (MD & CEO)
Amitabh Chaudhry- MD & CEO of Axis Bank
2. COMPANY PROFILE
Axis Bank is the third largest private sector bank in India. The Bank
offers the entire spectrum of financial services to customer segments
covering Large and Mid-Corporates, MSME, Agriculture and Retail
With its 3,882 domestic branches (including extension counters) and
12,660 ATMs across the country as on 30th September 2018, the network of
Axis Bank spreads across 2,211 cities and towns, enabling the Bank to reach
out to a large cross-section of customers with an array of products and
services. The Bank also has ten overseas offices with branches at Singapore,
Hong Kong, Dubai (at the DIFC), Shanghai and Colombo; representative
offices at Dubai, Abu Dhabi, Dhaka and Sharjah and an overseas
subsidiary at London, UK.
Axis Bank is one of the first new generation private sector banks to
have begun operations in 1994. The Bank was promoted in 1993, jointly by
Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit
Trust of India), Life Insurance Corporation of India (LIC), General
Insurance Corporation of India (GIC), National Insurance Company Ltd.,
The New India Assurance Company Ltd., The Oriental Insurance
Company Ltd. and United India Insurance Company Ltd. The
shareholding of Unit Trust of India was subsequently transferred to
SUUTI, an entity established in 2003.
MANAGEMENT OF AXIS BANK
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
SUUTI - Shareholding 27.02%Erstwhile Unit Trust of India was set up as a
body corporate under the UTI Act, 1963, with a view to encourage savings
and investment. In December 2002, the UTI Act, 1963 was repealed with
the passage of Unit Trust of India (Transfer of Undertaking and Repeal)
Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into
2 entities, UTI-I and UTI-II with effect from 1st February 2003.
In accordance with the Act, the Undertaking specified as
UTI I has been transferred and vested in the Administrator of the Specified
Undertaking of the Unit Trust of India (SUUTI), who 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. The Government of India has
currently appointed Shri K. N. Prithviraj as the Administrator of the
Specified undertaking of UTI, to look after and administer the schemes
under UTI where Government has continuing obligations and
commitments to the investors, which it will uphold.
ACHIEVEMENTS OF THE COMPANY
1. Mobile Banking Initiative of the Year - India, Asian Banking and
Finance (ABF) Retail Banking Awards 2015.
2. Advertising Campaign of the Year- India, Asian Banking and
Finance (ABF) Retail Banking Awards 2015.
3. Axis Bank has been awarded the title of Super brand 2014-2015, by
4. No.1 Promising Banking Brand of 2015, ET Best Brands 2015.
5. Best Corporate Payment Project- The Asian Banker Technology
Implementation Award 2015.
6. Best HR System Project -The Asian Banker Technology
Implementation Award 2015.
7. The Compliance Risk Technology Implementation of the Year -The
Asian Banker Risk Management Awards 2015.
8. Axis Bank felicitated at CNBC Awaaz Act for Good Governance
9. Winner in the 'Best Payment Initiatives' category amongst Private
Sector Banks, IBA Banking Technology Awards 2015.
10. Runners up in the 'Technology Bank of the Year' category
amongst the Private sector Banks, IBA Banking Technology Awards
CORPORATE SOCIAL RESPONSIBILITY
Axis Bank Foundation
Axis bank has set up this trust in 2006 and supports supplementary
education. Axis bank contributes up to 1% of its net profit annually to
various social initiatives undertaken by this foundation. During the year
2011-12,the foundation has partnered with 36 NGOs for educating and
special kids in 13 states.
The recycling initiative under the green banking banner has helped the
bank productively use around 21572 kilograms of dry waste during the
year. The axis bank’s corporate office in Mumbai is designed and
constructed as platinum LEED certified green banking.
3. COMPANY HISTORY
Axis Bank began its operations in 1994, after the government of India
allowed new private banks to be established. The bank was promoted in
1993 jointly by the administrator of the unit trust of India (uti-1). Life
Insurance Corporation of India (LIC), General Insurance Corporation Ltd,
National Insurance Company Ltd, the new India Assurance Company, The
Oriental Insurance Corporation and united in the Indian capital market
and has promoted, any leading financial institutions India insurance
company. The unit trust of India holds a special
position in the country.
Axis bank (erstwhile UTI bank) opened its registered office in Ahmadabad
and corporate office in Mumbai in December 1993. The first branch was
inaugurated on 2nd April 1994 in Ahmadabad by Dr. Manamohan Singh,
the finance minister of India.
In 2001 UTI bank agreed to merge with and amalgamate Global Trust
Bank, but the reserve bank of India (RBI) withheld approval and nothing
came of this. In 2004 the RBI put Global Trust into moratorium and
supervised its merger into oriental bank of commerce.
UTI bank opened its first overseas branch in 2006 Singapore. That same
year it opened a representative office in shanghai, china.
UTI bank opened a branch in the Dubai international financial centre in
2007.that same year it began branch operations in Hong Kong. The next
year it opened a representative office in Dubai.
Axis bank opened a branch in Colombo in October 2011, as a licensed
commercial bank supervised by the central bank of Srilanka. Also in 2011,
Axis bank opened representative offices in Abu Dhabi. In 2013, Axis Bank’s
subsidiary, Axis Ban UK commenced banking operations. Axis bank UK
has a branch in London. In 2014, Axis bank upgraded its representative
office in shanghai to a branch.
1. Incorporated as UTI Bank, headquarter in Mumbai.
2. First branch inaugurated at Ahmadabad.
3. Completes first profitable year in operations in 1995
4. Deposit crosses Rs.10bn mark in 1996.
1. Successfully completes its IPO in 1998 and gets itself listed on NSE and
2. Cash management services as well as credit card launched.
3. Profit crosses Rs.500m in 2000.
4. Launches Internet Banking module, I Connect retail loans introduced.
5. Financial advisory services and e-commerce introduced.
6. Second largest ATM network in the country with 200ATM’s.
1. Private placement of 26% stake to CDC capital partner.
2. Deposit crosses Rs100bn mark in 2001, advances crosses Rs.50bn.
3. First commercial bank to open an ATM at a post office.
4. Crosses the 1000 ATM mark in 2003.
5. Gets listed on the London Stock Exchange, raises $239.3m.
1. Open its first international branch in Singapore.
2. Opens Representative office in Shanghai.
3. Crosses the 2000 ATM mark in 2006.
4. Opens a Full License Bank Branch in Hong-Kong.
5. Re-brands itself as Axis Bank.
6. Axis Bank launches Platinum Credit Card, India's first EMV chip based
1. Axis bank acquires 4 percent stake in Max New York Life.
2. Axis Bank launches online trading platform Axis Direct.
3. Axis Bank has launches pre-paid VISA card i.e. MY MONEY CARD.
4. Axis Bank opens new representative office in Abu Dhabi
5. Axis Bank partners with NIIT IFBI to introduce PG Diploma in Retail
6. Axis Bank, Axis Capital, joined hands with Baird, an international,
employee-owned financial services firm, to offer investment banking
1. Axis Bank launches unique product ‘Empower Home Loans’ for self-
2. Axis Bank launches new and improved 'Senior Privilege Savings
3. Axis Bank launches ‘Axis Bank- ISIC Forex Card’ for Students.
4. Axis Bank launches DREAM HOME FESTIVAL 2013 in Bengaluru.
1. Axis Bank, the first Indian Private sector bank to set up a branch in
2. Axis Bank launches ‘Asha Home Loans’.
3. Axis Bank launches e - surveillance facility at ATM locations.
4. Axis Bank opens its first 'All Women Branch' at Patna, Bihar.
1. Axis Bank, India’s third largest private sector bank.
2. Axis Bank, Suvidha Infoserve join to introduce pre-paid card Launch of
the Display variant Debit Card for its NRE customers.
3. Offer electronic signature facility to its customers Axis Bank and Vistara
join hands to introduce cobranded credit card.
• Home Loan.
• Personal Loan.
• Car Loan.
• Gold Loan.
• Loan Against Securities.
• Loan Against Property.
• Loan Against Fixed Deposit.
• Commercial Vehicle Loan.
• Credit Cards.
• Debit Cards.
• Prepaid Cards.
• Mutual Funds.
• Demit Accounts.
• 8% Saving Bonds.
• IPO Smart.
• Public Provident Fund.
• Alternate Investment Products.
• Life Insurance.
• Health Insurance
• Home Insurance.
• Travel Insurance.
• Motor Insurance.
• Business Guard.
• Pradhan Mantri Suraksha Bima Yojana.
• Max Life Pradhan Mantri Jeevan Jyoti Bima
• About Our Insurance Partnership.
AXIS BANK PROVIDES “ATM” FACILITIES
VISA Money Transfer.
Money Transfer Between Linked Accounts.
Request For A New Chequebook.
Mutual Fund Payment.
Insurance Premium Payments.
Register For SMS Banking.
5. OBJECTIVES OF STUDY
Banking and finance can be called as the nerves of any
economic system as they accelerate the process of economic development
through canalization of adequate finance. It is hard to anticipate
development of efficient banking services in the country. No doubt
financial institutions play so important in economic development but at the
sometime economic development determines the growth and development
of banking institutions the role of various kind of banking institution. In
economic development need not be emphasized.
Main objective of the study is to “Critical appraisal of product &
services offered by axis bank.” Some of the major objectives of the study
include the determination of the following:
▪ Consumer awareness about the products and services provided by
the axis bank.
▪ Consumer preference about various products and services.
▪ Customer’s perception towards private Banking and their
expectations from private banks.
▪ Customer satisfaction with the service provided by the bank.
▪ Draw out with conclusions and suggestion based on the analysis and
the interpretation of data.
6. SCOPE OF STUDY
▪ It helps to bridge the gap between academic theory and practical
application and allows opportunity to explore a career in any field.
▪ It helps to obtain knowledge of the organization structure and
▪ The main reason behind making or researching this project is to
know how various departments function to achieve goals and gain a
▪ This study will expand the scope of available career opportunities in
the financial domain of industries.
7. RESEARCH METHODOLOGY
Research is one of the most important parts of any study and to
collect the information and knowledge. Finance research is defined as the
systematic design, collection, analysis, and reporting of data and findings
relevant to a specific financial situation facing the company. The research
process depends upon developing the most efficient plan for gathering the
needed information. Designing a research plan calls from decisions on the
data sources, research approaches, research instruments, sampling plan,
and contact methods.
For this project both primary and secondary data were
valuable sources of information.
▪ Primary Data
▪ Secondary Data
Primary data is data that is collected by a
researcher from first-hand sources, using methods like surveys,
interviews, or experiments. It is collected with the research in mind,
directly from primary sources.
• Through Interaction with Employee
• Through Questionnaires filled from Employee
Secondary data is data gathered from studies,
surveys, or experiments that have been run by other people or for
• Through internet and various websites
• Through Journals and Magzine
Manoj Kulkarni Branch Head
Sheakhar Kulkarni Operation Head
Rupesh Bhavsar Business Sales Manager
Aamey Kulkarni Assistant Manager
(Retail Banking & Operation)
Tapasvi Pathak Assistant Manager
(Retail Banking & Operation)
Sanghmitra More Assistant Manager
(Retail Banking & Operation)
8. DATA ANALYSIS & INTERPRETATION
STUDY OF THE DEPARTMENTS
In this modern era it is very easy to know how much important
the finance is in the business. As current position of the market is totally
different from ancient, where it was very easy to get the finance. But now a
days it is not so, it is very difficult task to raise funds from market. As
today people are facing lot of problem and have less confidence on the
market so it is difficult to raise fund without proper planning. For the bank
as it is a Financial Institution we can consider finance as lifeblood of this
business. The company should manage to get sufficient finance. The
company should use to keep proper planning for the finance of its own and
also of the large no. of depositors who are there with the bank. We can
define financial management as a task of acquisition and utilization of
funds needed in the business in a manner so that organizations goal can be
achieved. In AXIS Bank, its chief Financial Officer and Treasurer manage
the finance. Due to proper policies and separate management the company
can have proper operation of finance.
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
Profit & Loss account ------------------- in Rs. Cr. -------------------
Mar 18 Mar 17 Mar 16 Mar 15 Mar 15
12 mths 12 mths 12 mths 12 mths 12 mths
Interest / Discount on Advances /
34,909.73 33,694.64 30,410.19 26,083.99 26,083.99
Income from Investments 10,019.98 9,674.97 9,425.85 9,145.42 9,145.42
Interest on Balance with RBI and
Other Inter-Bank funds
391.06 505.79 296.25 232.02 232.02
Others 1,293.29 1,299.69 1,276.95 266.03 266.03
Total Interest Earned 46,614.06 45,175.09 41,409.25 35,727.46 35,727.46
Other Income 11,862.62 12,421.60 9,954.98 8,838.11 8,838.11
Total Income 58,476.67 57,596.70 51,364.23 44,565.57 44,565.57
Interest Expended 27,603.69 26,789.35 24,344.23 21,341.26 21,341.26
Payments to and Provisions for
5,414.44 4,742.10 4,019.34 3,615.69 3,615.69
Depreciation 590.58 526.67 461.39 419.64 419.64
Operating Expenses (excludes
Employee Cost & Depreciation)
8,783.34 7,456.86 6,130.64 5,574.59 5,574.59
Total Operating Expenses 14,788.36 12,725.63 10,611.37 9,609.93 9,609.93
Provision Towards Income Tax 1,951.55 5,188.84 4,406.18 3,897.93 3,897.93
Provision Towards Deferred Tax
-3,202.06 -73.80 -153.17 -153.17
Provision Towards Other Taxes 0.00 0.00 -0.05 0.93 0.93
Other Provisions and
32,138.73 12,127.91 3,718.71 2,420.21 2,420.21
Total Provisions and
15,620.59 14,114.69 8,051.04 6,165.90 6,165.90
Total Expenditure 58,012.65 53,629.67 43,006.64 37,117.09 37,117.09
Net Profit / Loss for The Year 464.02 3,967.03 8,357.58 7,448.48 7,448.48
Net Profit / Loss After EI & Prior
464.02 3,967.03 8,357.58 7,448.48 7,448.48
Minority Interest -8.21 -14.00 -7.92 -1.94 -1.94
Share Of Profit/Loss Of Associates 0.00 0.00 0.00 1.36 1.36
Consolidated Profit/Loss After
MI And Associates
455.82 3,953.03 8,349.67 7,447.90 7,447.90
Profit / Loss Brought Forward 24,881.55 24,002.70 17,789.74 13,601.24 13,601.24
Total Profit / Loss available for
25,337.37 27,955.72 26,139.41 21,049.13 21,049.13
Profit & Loss account of Axis Bank 2017-2018
Transfer To / From Statutory
68.92 919.82 2,055.92 1,839.46 1,839.46
Transfer To / From Reserve Fund 43.50 34.81 23.90 14.37 14.37
Transfer To / From Capital
101.66 755.57 62.04 63.14 63.14
Transfer To / From General
8.06 6.87 5.40 1.65 1.65
Transfer To / From Investment
103.49 -87.17 -41.81 25.49 25.49
Equity Share Dividend 1,457.40 1,444.26 31.26 1,092.80 1,092.80
Tax On Dividend 0.00 0.00 0.00 222.48 222.48
Balance Carried Over To Balance
23,554.35 24,881.55 24,002.70 17,789.74 17,789.74
Total Appropriations 25,337.37 27,955.72 26,139.41 21,049.13 21,049.13
OTHER ADDITIONAL INFORMATION
EARNINGS PER SHARE
Basic EPS (Rs.) 2.00 15.00 35.00 32.00 32.00
Diluted EPS (Rs.) 2.00 15.00 35.00 31.00 31.00
Balance Sheet of Axis Bank 2017-2018
------------------- in Rs. Cr. -------------------
Mar 18 Mar 17 Mar 16 Mar 15 Mar 15
12 mths 12 mths 12 mths 12 mths 12 mths
EQUITIES AND LIABILITIES
Equity Share Capital 513.31 479.01 476.57 474.10 474.10
Total Share Capital 513.31 479.01 476.57 474.10 474.10
Reserves and Surplus 63,694.10 55,901.34 53,082.19 44,475.49 44,475.49
Total Reserves and Surplus 63,694.10 55,901.34 53,082.19 44,475.49 44,475.49
Total ShareHolders Funds 64,207.41 56,380.35 53,558.76 44,949.59 44,949.59
Minority Interest 69.51 61.31 39.05 31.14 31.14
Deposits 455,657.76 414,982.68 358,302.19 322,244.17 322,244.17
Borrowings 155,767.09 112,454.76 104,493.73 84,393.50 84,393.50
Other Liabilities and Provisions 28,001.59 27,582.92 15,639.47 15,624.57 15,624.57
Total Capital and Liabilities 703,703.37 611,462.01 532,033.21 467,242.97 467,242.97
Cash and Balances with Reserve Bank of
35,481.06 30,857.95 22,361.16 19,818.84 19,818.84
Balances with Banks Money at Call and
8,429.75 20,108.17 11,341.65 16,673.25 16,673.25
Investments 153,036.71 129,018.35 121,880.78 133,319.24 133,319.24
Advances 449,843.65 381,080.26 344,663.32 284,448.65 284,448.65
Fixed Assets 4,048.82 3,810.23 3,573.76 2,551.90 2,551.90
Other Assets 52,863.38 46,587.05 28,212.54 10,431.08 10,431.08
Total Assets 703,703.37 611,462.01 532,033.21 467,242.97 467,242.97
CONTINGENT LIABILITIES, COMMITMENTS
Bills for Collection 81,980.13 81,055.36 80,764.78 80,592.46 49,008.69
Contingent Liabilities 706,725.24 673,136.35 589,326.23 559,750.51 591,334.29
Cash Flow of Axis Bank 2017-2018
Cash Flow ------------------- in Rs. Cr. -------------------
Mar '18 Mar '17 Mar '16 Mar '15 Mar '14
12 mths 12 mths 12 mths 12 mths 12 mths
Net Profit Before Tax 121.57 5467.56 12393.75 11056.83 9348.63
Net Cash From Operating Activities -46693.30 34192.28 -15971.85 -12922.02 16702.56
Net Cash (used in)/from
-10500.31 -12630.39 -5435.51 -7989.65 -14247.48
Net Cash (used in)/from Financing Activities 50400.78 -4628.87 18671.58 28846.00 5490.15
Net (decrease)/increase In Cash and
-6801.29 16930.74 -2773.59 7860.34 7803.73
Opening Cash & Cash Equivalents 50256.18 33325.44 36099.03 28238.69 20434.96
Closing Cash & Cash Equivalents 43454.89 50256.18 33325.44 36099.03 28238.69
Financial Ratios of Axis Bank 2017-2018
Financial Ratios ------------------- in Rs. Cr. -------------------
Mar'18 Mar '17 Mar '16 Mar '15 Mar '14
Investment Valuation Ratios
Face Value 2.00 2.00 2.00 2.00 10.00
Dividend Per Share -- -- -- -- --
Operating Profit Per Share (Rs) 64.97 77.70 70.80 59.20 254.66
Net Operating Profit Per Share (Rs) 181.62 188.62 173.78 150.72 654.17
Free Reserves Per Share (Rs) -- -- -- -- --
Bonus in Equity Capital -- -- -- -- --
Interest Spread 5.85 6.78 6.75 7.32 7.61
Adjusted Cash Margin(%) 22.08 29.36 36.55 37.48 37.53
Net Profit Margin 0.97 8.75 20.16 20.84 20.53
Return on Long Term Fund(%) 62.34 80.10 87.73 92.04 93.62
Return on Net Worth(%) 0.70 7.01 15.58 16.56 16.43
Adjusted Return on Net Worth(%) 19.19 29.06 34.19 36.23 36.65
Return on Assets Excluding
250.44 235.66 224.93 189.62 817.21
Return on Assets Including
250.44 235.66 224.93 189.62 817.21
Management Efficiency Ratios
Interest Income / Total Funds 7.09 7.90 8.29 8.37 8.46
Net Interest Income / Total Funds 2.89 3.22 3.42 3.37 3.31
Non Interest Income / Total Funds 1.80 2.17 1.99 2.07 2.14
Interest Expended / Total Funds 4.20 4.69 4.87 5.00 5.15
Operating Expense / Total Funds 2.16 2.13 2.03 2.15 2.16
Profit Before Provisions / Total
2.45 3.16 3.28 3.19 3.19
Net Profit / Total Funds 0.07 0.69 1.67 1.75 1.74
Loans Turnover 0.11 0.12 0.13 0.14 0.14
Total Income / Capital
8.89 10.07 10.28 10.44 10.59
Interest Expended / Capital
4.20 4.69 4.87 5.00 5.15
Total Assets Turnover Ratios 0.07 0.08 0.08 0.08 0.08
Asset Turnover Ratio 0.07 0.08 0.09 0.09 0.09
Profit And Loss Account Ratios
Interest Expended / Interest Earned 59.22 59.30 58.79 59.73 60.85
Other Income / Total Income 20.29 21.57 19.38 19.83 20.17
Operating Expense / Total Income 24.28 21.18 19.76 20.62 20.35
Selling Distribution Cost
0.35 0.31 0.22 -- --
Balance Sheet Ratios
Capital Adequacy Ratio -- -- -- -- --
Advances / Loans Funds(%) 79.00 76.98 79.28 76.89 73.83
Debt Coverage Ratios
Credit Deposit Ratio 95.45 93.86 92.44 85.74 80.60
Investment Deposit Ratio 32.40 32.45 37.50 40.88 42.51
Cash Deposit Ratio 7.62 6.88 6.20 6.12 5.98
Total Debt to Owners Fund 9.52 9.35 8.64 9.05 8.68
Financial Charges Coverage Ratio 2.03 2.16 2.10 2.07 2.05
Financial Charges Coverage Ratio
1.04 1.17 1.36 1.37 1.36
Current Ratio 0.11 0.11 0.08 0.03 0.03
Quick Ratio 19.22 16.62 25.27 20.14 17.68
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit 319.73 36.53 0.37 17.65 17.45
Dividend Payout Ratio Cash Profit 139.27 32.24 0.35 16.71 16.47
Earning Retention Ratio 88.18 91.19 99.83 91.93 92.18
Cash Earning Retention Ratio 88.72 91.47 99.84 92.13 92.38
AdjustedCash Flow Times 35.28 24.53 19.09 19.29 19.41
• Above balance-sheet shows that the liability of the bank in last five
• This is indicating the growth of the private banking sectoer is very
• Net worth of the axis is increasing every year in last five years.
• The banking is improving themselves as well as their sector also.
• There is some positive amount of NET CURRENT ASSETS.
9. SWOT ANALYSIS
This analysis use to study the strength, weaknesses, opportunities and
threats of axis bank. This analysis is helpful to the bank to understand the
favourable factors for the bank.
o Fastest growth in private sector banks.
o Excellent management.
o Good faith of customer
o This bank has a good image among urban population.
o It has been showing good growth in banking industry
o Huge portfolio of customer.
o It is among the largest bank in India which is
providing agriculture loans.
o Axis bank is among the top three positions with respect of
fastest growth in private sector banks.
o High Bank Service Charges.
o Less Credit Period.
o This branch doesn’t provide education loan facility.
o Expansion in rural areas.
o Going to foreign markets and exploring the new
o Banking Insurance services.
o New banking licenses issued by the reserve bank of India.
o Foreign banks.
o Decentralized Management
• It was found that the working nature of the axis bank is under
discipline, the employee of the bank follows all the rules and
regulations of the bank, employee starts the work on exact time
when the bank is open till the closing time of the bank.
• It was also found that the axis banks functions helps to the all
the customer for the future growth of the bank.
• It was found that Axis bank always helps to the all customer
or account holder of the bank, they always shown all the
facilities to the customer. Debit card, credit card, cheque book
facilities, easy loan, and 24 hrs ATM facilities.
• I found that Axis bank provide a multiple services to their
customers, like mobile banking , internet banking, mobile
application, free fund transfer from inter banking (only axis
• It was found that Axis bank is growing in very large scale;
multiple branches are opening in various places.
Axis bank has developed many fold is short period of time due to
facilities and service provide to their customer and this growth rate can be
keep it up. In last couple of years they have open new branches and they
should open many more the working staffs are very co-operative in nature
and due to that the bank will also get good benefit axis bank has provided
their customer net banking facilities and due to that transactions are done
fast charges at axis bank are on lower side when we compare it with others
• Axis bank has differentiated itself very well on the bases of high
level service and product quality.
• They have successfully implemented the change and due to this
their market share is increased only despite of tough competition
• In this study I found that the bond of axis bank with it is customer is
very strong because axis bank mainly focuses on retailing their
• This study finds that however axis bank is not the leading private
sector bank but it is waste range of products and availability and
opens of options make it one of the better banks of India.
REFERENCE BOOKS & MAGZINES
1. Annual magazine of axis bank
3. Hand book / Record Book
4. Personal discussion with the employees of the bank
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