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About Us Vision Axis Bank Wealth Proposition Axis Bank Investment Advisory Products and Services Key Differentiators
About Us
AXIS Bank
Established in 1994 as UTI Bank and promoted by Unit Trust of India, Insurance Corporation of India, General Insurance Corporation of India and its 4 general insurance subsidiaries UTI Bank was renamed as Axis Bank in 2007 and is today the 3rd largest private sector bank in India with assets of over US$ 45bn* and market cap of over US$ 12.5bn^ Main Businesses include i) Corporate Banking : Credit, Trade Finance, Structured Finance, Project Finance & Syndication ii) Retail Banking : Retail Liabilities, Retail Assets, Wealth Management, Cards, Private Banking, Family Office Over 22,000 employees across a network of 1,120 branches in 734 centers in India and 5 overseas offices as of 31st Dec 2010. Axis Bank Group Subsidiaries Axis Asset Management Co Ltd Axis Trusteeship Ltd Axis Private Equity Ltd Axis Securities and Sales Ltd
* As on 31st Dec 2010 ; ^ As on 31st Dec 2010
Associates
Axis Wealth
Launched as Wealth Advisory Services in 2006 One of Indias reputed providers of financial planning and advisory services for high net worth investors. Our Strategy i) One stop shop value proposition across banking, investments and borrowing needs ii) Bring in world class expertise to help protect and grow your wealth with a long term perspective iii) Deliver out of the ordinary client experience across relationship cycle
Vision
Our Vision
To enable our clients success and build a trusted long term relationship by delivering Best-in-class solutions, Backed by best-in-class processes, Through best-in-class people
Ordinary is for others When you are one of the privileged few, you deserve the extraordinary.
W E A L T H
Relationship Management
Investment Advisory
Client
Smart solutions
Investment Advisory
Quality of Advice
Products
Expertise
Portfolio Approach
Asset class specialists with rich experience and solid track record
Personalized services through a single point of contact, your wealth manager No average quarterly balance requirement in Savings account Exclusive Welcome Kit Complementary anywhere banking, Demand Drafts & Payorders Personalized Cheque book, without any limit Access to Exclusive Lounges, wherever present, at Axis Bank Branches.
Features at a glance
Daily Purchase limit of Rs 5 lakhs Daily ATM withdrawal limit of Rs 2 lakhs Complimentary Accidental Insurance cover of 15 lakhs Complimentary lounge Access 2.5% fuel surcharge refund Attractive Plus Points Program Free unlimited cash withdrawals at other bank ATM Zero lost card liability and purchase protection of Rs 5 lakhs
Features at a glance
EMV certified Chip card for unmatched safety Complimentary Insurance cover of `2.55 Crores 24-hour International Concierge Services 2.5% fuel surcharge refund (For transactions between `400 & `4000) Powerful Plus Points Program Complimentary membership to Priority Pass providing access to over 500 VIP Airport Lounges across the world Offers from Premium Brands
Complimentary Primary and Add-on Cards
End to End financial solutions through your Wealth Manager Wealth Manager your Financial Advisor Personal Financial Solutions to help to achieve your personal financial goals
Banking Investments Retail loans
Business Solutions for the entrepreneur / top management help grow the business and unlock value
Transaction Banking services Corporate lending & advisory Capital Market solutions Treasury solutions
Loans
Investments
Client
Banking
sti f e ne B e yt s e i L l f
Business Solutions
gn c r Pl a t ner e er P i i i f
Returnexpectations
Investment Philosophy
Currency Liquidity
Tax Issues
Equities 35%
10%
We use financial planners and investment tools to analyse your investment risk profile / assess financial personality, thereafter our expert investment advisory team reviews your portfolio vis-a-vis your goals to make suitable asset allocation recommendation
We help you construct your portfolio by first developing a core long term Asset Allocation
Risk Profile
Debt
Our Customer Risk Profiler enables us to assess your risk profile based on which we find an asset allocation that is optimal and in line with your financial personality traits
Portfolio Construction
Undertaken on a periodic basis to keep the overall portfolio investments in line with long term investment objective. Help to rebalance the portfolio based on market development and changes in investment scenario
Model Portfolio serves as a guideline for asset allocation based on risk profile Two components Strategic and Tactical
Core (long term) asset allocation for each individual risk profile Portfolio Volatility targets considered for each risk profile
Rationale
Call Status
To capitalize on the strong earnings growth prospects & positive fundamentals. Expectation of improving government finances on account of better economic prospects and significantly high mobilization in 3G license and broadband auctions To capitalize on the expected benefit from softening of yields over the medium Term. Short term concerns due to Input cost pressures, political uncertainty and rising interest rates scenario could impact corporate earnings growth prospects Higher inflation pressures could lead to monetary policy action by RBI in the form of rate hikes while rising oil prices could mean higher subsidy burden and affect fiscal deficit for the next fiscal year
July-10
Neutral
Oct-10
Overweight
Jan-11
Equity
Conservative to Aggressive
Neutral
Jan-11
Neutral
Conservative
Gold ETF's 10% Long Term Income & GiltFunds 10% Equity 20%
Balanced
Gold ETF 10%
EquityFunds 35%
Growth
O th er A ltern ateo ld ETF G A ssets 10% U ltra Sh o rt Term 5 % 10% Lo n g Term In o m e & G ilt Fu n d s 10% Sh o rt Term Fu n d s 5% Fixed M atu rity Plan s 10%
Aggressive
Long Term Income Funds 5%
UltraShort Term 10% Other Alternate Assets Gold ETF's 10% 10%
2 year Returns
M odel Potfolio
Benchmark
Model Potfolio
Benchmark
Note : <i> Returns are 1year point-to-point returns as on 28tth February,2011. <ii> Benchmark is synthetic and includes representative indices based on model asset allocation, <iii> Standard Deviation (Std dev) is 1yr rolling Std dev
Comprehensive Product Suite An open architecture platform to access products and services on best terms
Investment Solutions
Equity Advisory Services PMS Mutual Funds Structured Products Private Equity & Real Estate funds Axis Bank Affiliates Gold Coins & Bars
Protection Solutions
Life Insurance General Insurance
Axis AMC Axis Securities & Sales Axis Trusteeship Products via Associates
Online Broking
A Complete Investment Management Solutions Receive customized guidance aliened to your risk profile and investment goals Advice based on facts, backed by time-tested methodologies Strong Research support assists informed decision making Regular monitoring of portfolio to take timely action
Our Investment Principles Track stocks primarily from the BSE 200 universe Multi-disciplinary methodology Top down and Bottom up Long-term perspective performance over a period of time Focus on absolute returns Companies identified through rigorous research
Advisory Process
Value Portfolio Stocks with characteristics such as high dividend yield, low price-to-book ratio, high cash per share to market cap., low price-to-earnings ratio, etc will populate the portfolio. Ideally for investors with low tolerance for market volatility. Growth Portfolio Companies whose earnings are expected to grow at an above-average rate relative to the market or its sector would be selected to form part for the portfolio. Ideally for investors with a higher degree of risk tolerance. Support Dedicated Wealth Manager Equity ideas from a team of experienced equity research Access to the Fund Advisory Team
Portfolio Construction Sector Allocation Security Selection Advice & Execution Monitoring & Evaluation
Alternate Assets
Portfolio Management Services (PMS): Axis Bank Wealth offers Portfolio Management Services managed by third party product providers. These PMS products are managed along specific investment themes / philosophies , and provide our clients with an opportunity to invest in such products Private Equity & Real Estate funds: We offer Private Equity & Real Estate funds to our Wealth clients. Private Equity funds provide the clients with an exposure to diversified investments in growth sectors across different industries, whereas Real Estate funds provide clients with an exposure to different investment opportunities within the real estate space. Axis Bank Wealth offers Private Equity and Real Estate funds launched by third party product providers Structured Products: Axis Bank Wealth offers Structured Notes issued by third party Issuers. These products enable clients to take a customized view on an asset class without directly investing in the underlying asset class Primary and Secondary Bonds: Axis Bank Wealth offers its clients an exposure to various Primary and Secondary market Bond Issuances.
Trade services SME / Mid corporate Lending solutions Business Solutions Transaction banking / cash managemen t solutions Fx/ Treasury Solutions Structured Finance Solutions Capital Markets Services
Your Wealth Manager facilitates interaction between you and specialist product groups within Corporate Banking Group These Specialized Solutions Managers understand your needs in greater detail and help provide you the right solution for your business.
Investment Advisory
Suggestions and guidance to clients for building and maintaining their investment portfolios
Customized Portfolio Proposals, based on clients specific needs, financial position and risk appetite Monthly Model Portfolios, comprised of existing products as a ready reference
Portfolio Review, and suggesting strategies such as rebalancing, profit booking, stop-loss, etc Generating Investment Ideas based on Research Inputs, on asset classes and specific products
A dedicated Wealth Manager is central to Axis Bank Wealth Management relationship and is the face of the Bank. He/she will be your personal guide to the possibilities of wealth Management and will work closely with you in achieving your financial goals.
Preferential Pricing
Preferential Pricing on Loan rates, deposit rates etc. Waiver of charges for select services
Lifestyle Benefits
Discounts on Tariffs at Prominent Hotels & resorts Invitation to Select events
Key Differentiators
Well defined process and back-office team in place for portfolio execution Risk Management systems in place
Disclaimer
The services being provided by Axis Bank Limited (Bank) to the client are only information services (and other related services) and are not to be construed as investment advice of any type. Further, the Bank does not in any manner guarantee/represent that the information/related services provided/to be provided to the client take into account the individual characteristics of the client and/or will be suited to the clients individual tax/legal/financial circumstances or needs. In the event that the client seeks to make an investment pursuant to the information provided by the Bank, the client shall do so at its/his/her own risk, and must consult with its/his/her own legal, business and tax advisors to determine the appropriateness and consequences of such an investment, and arrive at an independent evaluation of such investment. The Bank shall not be liable in any manner whatsoever for any loss that may occur due to the client making any investment decision based solely upon the information contained herein. This document is not an offer, invitation or solicitation of any kind to buy or sell any security and is not intended to create any rights or obligations. Nothing in this document is intended to constitute legal, tax, securities or investment advice, or opinion regarding the appropriateness of any investment, or a solicitation for any security, product or service. The use of any information set out in this document is entirely at the recipients own risk. The information set out in this document has been prepared by the Bank based upon projections which have been determined in good faith by it. There can be no assurance that such projections will prove to be accurate. The Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in this document. The information in this document reflects prevailing conditions and the Banks views as of this date, all of which are subject to change. In preparing this document the Bank has relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to the Bank, or which was otherwise reviewed by the Bank. Past performance cannot be a guide to future performance