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M.S.P. MANDAL’s
Deogiri College Of Management Studies, Aurangabad
Project On
“The Axis Bank Pvt. LTD”
Submitted By
Lokesh ...
M.S.P. MANDAL’s
Deogiri College Of Management Studies Aurangabad
CERTIFICATE
This is to certify that project report on “Th...
ACKNOWLEDGEMENT
I, Lokesh Satish Chhajed, thanks to Prof. Hemlata
Chatlani. Her expertise was valuable during each step of...
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Lokesh_BBA_Project_on_Axis_Bank_Pvt_ltd20200403-114304-w6vuuq.pdf

  1. 1. M.S.P. MANDAL’s Deogiri College Of Management Studies, Aurangabad Project On “The Axis Bank Pvt. LTD” Submitted By Lokesh Satish Chhajed BBA VI Semester Batch 2018-2019 Guided By Principal Prof. Hemlata Chatlani Dr. B. S. Jadhav Submitted To Dr. Babasaheb Ambedkar Marathwada University,Auranagbad.
  2. 2. M.S.P. MANDAL’s Deogiri College Of Management Studies Aurangabad CERTIFICATE 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 External College Stamp
  3. 3. ACKNOWLEDGEMENT 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 report. Submitted By Lokesh Satish Chhajed
  4. 4. DECLARATION 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
  5. 5. INDEX SR.NO CONTENTS 1 INTRODUCTION 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 10 FINDINGS 11 CONCLUSIONS 12 BIBLIOGRAPHY
  6. 6. 1. INTRODUCTION 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 funding.
  7. 7. 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.
  8. 8. 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.
  9. 9. ▪ DIFFERENCE BETWEEN PUBLIC & PRIVATE SECTOR BANK: ❖ 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.
  10. 10. LOGO OF AXIS BANK: BRAND AMBASSADOR: Deepika Padukone, a Bollywood Actress was appointed as the brand ambassador of Axis Bank.
  11. 11. TAGLINE OF AXIS BANK: “Badhti ka naam zindagi.”
  12. 12. AXIS BANK Type Private Traded as BSE: 532215 LSE: AXBC NSE: AXISBANK Industry Banking, Financial services Founded 1990 (as UTI Bank) Headquarters Mumbai, Maharashtra, India Key people Amitabh Chaudhry (MD & CEO) Website www.axisbank.com Amitabh Chaudhry- MD & CEO of Axis Bank
  13. 13. 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 Businesses. 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.
  14. 14. MANAGEMENT OF AXIS BANK 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 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.
  15. 15. 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 Super brands. 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 Summit 2015. 9. Winner in the 'Best Payment Initiatives' category amongst Private Sector Banks, IBA Banking Technology Awards 2015.
  16. 16. 10. Runners up in the 'Technology Bank of the Year' category amongst the Private sector Banks, IBA Banking Technology Awards 2015. 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. Green Banking 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.
  17. 17. 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
  18. 18. has a branch in London. In 2014, Axis bank upgraded its representative office in shanghai to a branch. 1994-1997 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. 1998-2000 1. Successfully completes its IPO in 1998 and gets itself listed on NSE and BSE 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. 2001-2005 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.
  19. 19. 2006-2008 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 card. 2010-2012 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 Banking. 6. Axis Bank, Axis Capital, joined hands with Baird, an international, employee-owned financial services firm, to offer investment banking services.
  20. 20. 2013 1. Axis Bank launches unique product ‘Empower Home Loans’ for self- employed. 2. Axis Bank launches new and improved 'Senior Privilege Savings Account'. 3. Axis Bank launches ‘Axis Bank- ISIC Forex Card’ for Students. 4. Axis Bank launches DREAM HOME FESTIVAL 2013 in Bengaluru. 2014 1. Axis Bank, the first Indian Private sector bank to set up a branch in China. 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. 2015 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.
  21. 21. 4. PRODUCT PROFILE OF AXIS BANK 1. Accounts- • Saving Account. • Current Accounts. • Salary Accounts. 2. Deposits- • Fixed Deposit. • Tax Saver Fixed Deposit. • Fixed Deposit Plus. • Recurring Deposit.
  22. 22. 3. Loans- • Home Loan. • Personal Loan. • Car Loan. • Gold Loan. • Loan Against Securities. • Loan Against Property. • Loan Against Fixed Deposit. • Commercial Vehicle Loan. 4. Cards- • Credit Cards. • Debit Cards. • Prepaid Cards. 5. Investment- • Gold • Silver • Mutual Funds. • Demit Accounts. • 8% Saving Bonds. • IPO Smart. • Public Provident Fund. • Alternate Investment Products. 6. Insurance- • Life Insurance. • Health Insurance • Home Insurance. • Travel Insurance. • Motor Insurance. • Business Guard.
  23. 23. • Pradhan Mantri Suraksha Bima Yojana. • Max Life Pradhan Mantri Jeevan Jyoti Bima Yojana. • About Our Insurance Partnership. AXIS BANK PROVIDES “ATM” FACILITIES Balance Enquiry. Cash Withdrawal. PIN Change. Mini Statement. VISA Money Transfer. Money Transfer Between Linked Accounts. Request For A New Chequebook. Mutual Fund Payment. Insurance Premium Payments. Register For SMS Banking.
  24. 24. 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.
  25. 25. 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 operations. ▪ The main reason behind making or researching this project is to know how various departments function to achieve goals and gain a positive perspective. ▪ This study will expand the scope of available career opportunities in the financial domain of industries.
  26. 26. 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. Data Source For this project both primary and secondary data were valuable sources of information. ▪ Primary Data ▪ Secondary Data
  27. 27. Primary 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: Secondary data is data gathered from studies, surveys, or experiments that have been run by other people or for other research. • Through internet and various websites • Through Journals and Magzine
  28. 28. ORGNISATION STRUCTURE Name Designation 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)
  29. 29. ORGANIZATION STRUCTURE OF AXIS BANK
  30. 30. 8. DATA ANALYSIS & INTERPRETATION STUDY OF THE DEPARTMENTS FINANCE DEPARTMENT 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.
  31. 31. Investment Banking 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.
  32. 32. 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 INCOME Interest / Discount on Advances / Bills 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 EXPENDITURE Interest Expended 27,603.69 26,789.35 24,344.23 21,341.26 21,341.26 Payments to and Provisions for Employees 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 - 18,469.69 -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 Contingencies 32,138.73 12,127.91 3,718.71 2,420.21 2,420.21 Total Provisions and Contingencies 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 Year Items 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 Appropriations 25,337.37 27,955.72 26,139.41 21,049.13 21,049.13 Profit & Loss account of Axis Bank 2017-2018
  33. 33. APPROPRIATIONS Transfer To / From Statutory Reserve 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 Reserve 101.66 755.57 62.04 63.14 63.14 Transfer To / From General Reserve 8.06 6.87 5.40 1.65 1.65 Transfer To / From Investment Reserve 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 Sheet 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
  34. 34. 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 SHAREHOLDER'S FUNDS 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 ASSETS Cash and Balances with Reserve Bank of India 35,481.06 30,857.95 22,361.16 19,818.84 19,818.84 Balances with Banks Money at Call and Short Notice 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
  35. 35. 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 Investing Activities -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 Cash Equivalents -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
  36. 36. 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 -- -- -- -- -- Profitability Ratios 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 Revaluations 250.44 235.66 224.93 189.62 817.21 Return on Assets Including Revaluations 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 Funds 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 Employed(%) 8.89 10.07 10.28 10.44 10.59 Interest Expended / Capital Employed(%) 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
  37. 37. 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 Composition 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 Post Tax 1.04 1.17 1.36 1.37 1.36 Leverage Ratios 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
  38. 38. • Above balance-sheet shows that the liability of the bank in last five years. • This is indicating the growth of the private banking sectoer is very fast. • 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.
  39. 39. 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.
  40. 40. STRENGTH: 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 sector. 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. WEAKNESSES: o High Bank Service Charges. o Less Credit Period. o This branch doesn’t provide education loan facility. OPPORTUNITIES: o Expansion in rural areas. o Going to foreign markets and exploring the new economies. o Banking Insurance services.
  41. 41. THREATS: o New banking licenses issued by the reserve bank of India. o Foreign banks. o Competition o Decentralized Management
  42. 42. 10. FINDINGS • 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 bank transaction). • It was found that Axis bank is growing in very large scale; multiple branches are opening in various places.
  43. 43. 11. CONCLUSION 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 bank. • 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 prevails. • 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 customer. • 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.
  44. 44. 12. BIBLIOGRAPHY www.axisbank.com www.moneycontrol.com/company-management www.bankifsccode.com/AXIS-BANK REFERENCE BOOKS & MAGZINES 1. Annual magazine of axis bank 2. Booklet 3. Hand book / Record Book 4. Personal discussion with the employees of the bank

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