AXIS BANK

1) No. 0f Branches- 2589

2) No. of ATMs- 12355

3) No. of employees- About 42,500

Profit and Loss Statement for the last 5 years:

Profit & Loss account of Axis Bank

------------------- in Rs. Cr. ------------------Mar

'14

Mar '13

Mar '12

Mar '11

Mar '10

12
mths

12 mths

12 mths

12 mths

12 mths

Interest Earned

0.00

27,182.57

21,994.65

15,154.81

11,638.02

Other Income

0.00

6,551.11

5,420.22

4,632.13

3,945.78

Total Income

0.00

33,733.68

27,414.87

19,786.94

15,583.80

Interest expended

0.00

17,516.31

13,976.90

8,591.82

6,633.53

Employee Cost

0.00

2,376.98

2,080.17

1,613.90

1,255.82

Selling, Admin & Misc Expenses

0.00

8,309.22

6,773.35

5,903.14

4,945.60

Depreciation

0.00

351.73

342.24

289.59

234.32

Preoperative Exp Capitalised

0.00

0.00

0.00

0.00

0.00

Operating Expenses

0.00

6,914.23

6,007.10

4,779.43

5,066.76

Provisions & Contingencies

0.00

4,123.70

3,188.66

3,027.20

1,368.98

Total Expenses

0.00

28,554.24

23,172.66

16,398.45

13,069.27

Mar
'14

Mar '13

Mar '12

Mar '11

Mar '10

12
mths

12 mths

12 mths

12 mths

12 mths

Net Profit for the Year

0.00

5,179.43

4,242.21

3,388.49

2,514.53

Extraordinary Items

0.00

0.00

0.00

0.00

0.00

Profit brought forward

0.00

7,329.45

4,969.77

3,427.43

2,348.09

Total

0.00

12,508.88

9,211.98

6,815.92

4,862.62

Preference Dividend

0.00

0.00

0.00

0.00

0.00

Equity Dividend

0.00

843.86

658.24

573.00

567.45

Corporate Dividend Tax

0.00

143.37

111.83

97.35

0.00

Income

Expenditure

Per share data (annualised)

Earning Per Share (Rs)

0.00

110.68

102.67

82.54

62.06

Equity Dividend (%)

0.00

180.00

160.00

140.00

120.00

Book Value (Rs)

0.00

707.50

551.99

462.77

395.99

Transfer to Statutory Reserves

0.00

1,492.38

1,112.46

836.95

867.43

Transfer to Other Reserves

0.00

0.01

0.00

338.85

0.31

Proposed Dividend/Transfer to Govt

0.00

987.23

770.07

670.35

567.45

Balance c/f to Balance Sheet

0.00

10,029.26

7,329.45

4,969.77

3,427.43

Total

0.00

12,508.88

9,211.98

6,815.92

4,862.62

Appropriations

Performance and Profitability ratios:

Parameter

03/11

03/1

03/1

03/14

03/15

y
Avg.

NIM (%)
Cost to income ratio (%)
% of Non interest income to Total operating

2.78
0.828
0.234

2.90
0.845
0.197

2.92
0.846
0.194

3.21
0.836
0.194

3.16
0.832
0.190

income
Overhead efficiency (Non Int. Income/Non Int.

3.62

4.74

3.74

3.51

3.59

Exp.) (%)
Efficiency Ratio (Non Int. Exp/(Net Int. Income

42.69

44.70

42.63

40.81

40.74

+ Non Int. Income) (%)

ROA (AU*NPM) (%)
AU (X)
NPM (%)
ROE (ROA*EM) (%)
EM (A/E) (X)

1.58
0.071
22
19.12
12.10

1.60
0.083
19.2
20.30
12.68

1.67
0.087
19.2
18.75
11.22

1.74
0.0848
20.5
17.64
10.13

1.75
0.0841
20.8
17.87
10.21

SUMMARY P&L PARAMETERS:

Parameter

03/11

03/1

03/1

03/14

03/15

1.Interest income

30.2

2
45.13

3
23.58

12.72

15.78

Growth (%)
2. Interest expenditure

25.4

41.31

23.22

11.46

14.63

7
4.73

3.82

0.36

1.26

1.15

17.39

17.01

20.86

13.03

12.96

47.5

62.14

44.44

25.75

28.74

9
22.12

20.83

21.22

14.29

14.11

-5.67

25.68

15.10

14.26

16.49

27.7

-4.85

6.12

0.03

-2.38

Growth (%)
3. Net interest income (NII) (1-2)
Growth (%)
4. Non interest income
Growth (%)
5. Total Operating income (1+4)
Growth (%)
6. Net operating income(3+4)
Growth (%)
7. Operating expenditure
Growth (%)
8. Operating profit (6-7)
Growth (%)

Industr

9. Provisions & contingencies

Growth (%)

5.33

53.15

20.39

10.47

10. Profit after tax (8-9)

Growth (%)

22.4

10.67
5.82

-33.21

47.03

20.36

Key Balance Sheet Parameters:

Parameter

03/11

03/12

03/13

03/14

03/15

Indust
ry Avg.

Deposits

189237.

220104.

252613.

280944.

322441.

80

30

59

56

94

142407.

169759.

196965.

230066.

281083.

83

96
16.02
449579.

76
16.80
511011.3

03
22.17
603524.

Growth/change(Y
OY)
Advances
Growth
Total business

331645.

54
19.20
389863.

mix

63

84

55

97

7.3

9.1

9.7

9.5

9.2

deposits)
Shareholders

18998.8

22808.5

33107.8

38220.4

44676.5

equity
TOTAL ASSETS

3
242566

4
2854165

6
3405577

9
3863501

2
4672430

(deposits+advanc
es)
Growth
CASA ratio (%)
(CASA/Total

7
ASSET QUALITY RATIOS:
Parameter

03/11

03/12

03/13

03/14

03/15

Industr
y Avg.

1.Gross loans or Gross

Credit
2.Gross NPA

159.9

1806.3

2393.4

3146.41

4110.19

3.NPA provisions
4.Net NPA (2-3)

118.9

1333.6

41.04

6
472.64

1689.29
704.13

2121.79

2793.4

1024.6

8
1316.71

2
5. Net loan or credit
(1-3)
6. Gross NPA ratio
(Gross NPA to Gross
Credit)= 2/1 (%)
7. Net NPA ratio (Net

0.3

0.3

0.4

0.4

0.4

74.34

73.83

70.58

67.43

67.96

NPA to Net Credit) =

4/5 (%)
8.Povision Coverage

Ratio (PCR) = 3/2 (%)*

*RBI target for PCR is 70% by Sept. 2010 for All Commercial Banks

Vulnerability Ratios or Capital Risk Ratios or Solvency Ratios:

Parameter
Tier-1 capital
Tier-2

03/11

03/12

03/13

03/14

03/15

03/13
13.81

03/14
14.87

03/15
17.63

capital
Total capital
funds
(T-1 + T-2)
CAR or CRAR
(Basel-1) (%)
CAR or CRAR
(Basel-2) (%)
Productivity Ratios: [Rs. in lakhs]
Parameter
Avg. profit
per employee
(Net
Income/avg.
no. of

03/11
12.63

03/12
13.29

employees)
Avg. business

125.62

122.98

118.62

120.52

143.01

employees)
Avg. profit

12.27

11.87

13.08

15.91

18.44

per branch
Avg. business

238.59

240.35

230.90

212.74

233.11

per employee
(Bus. Mix/
avg. no. of

per branch
References:
1) http://financials.morningstar.com/ratios/r.html?
t=AXISBANK&region=ind&culture=en-US
2) http://profit.ndtv.com/stock/axis-bank-ltd_axisbank/financials-historical-cashflow
3) http://www.moneycontrol.com/financials/axisbank/results/yearly/AB16#AB16
4) http://money.rediff.com/companies/Axis-Bank-Ltd/14030047/ratio
5) https://www.equitymaster.com/research-it/company-info/detailed-financialinformation.asp?symbol=utib&name=AXIS-BANK-Detailed-Financial-Data