Presented By: Aayush Jain PGFA1001 Asha Kakoti PGFA1010 Niharika Tyagi PGFA1025 Pallavi Sinha PGFA1028 Parul

Nigam PGFA1029 Ritika Malik PGFA1035

ABOUT AXIS BANK

Private bank Operating since 1994 Registered Office at Ahmedabad Central Office is located at Mumbai. Network of more than 1281 branches (including 169 Service Branches/CPCs as on 31st March, 2011) Largest ATM networks in the countryOver 6270 ATMs (as on 31st March, 2011).

 Capitalized to the extent of Rs. 411.88 crores with the public holding (other than promoters and GDRs) at 52.87%. [As on 30th June, 2011]

Strengths in both retail and corporate banking

Committed to adopting the best industry practices internationally in order to achieve excellence.

VISION 2015
To be the preferred financial solutions provider excelling in customer delivery through insight, empowered employees and smart use of technology

CORE VALUES
Customer Centricity Ethics Transparency Teamwork Ownership

WHOLLY- OWNED SUBSIDARRIES

Axis Securities and Sales Ltd. Axis Private Equity Ltd. Axis Trustee Services Ltd. Axis Asset Management Company Ltd. Axis Mutual Fund Trustee Ltd. Axis U.K. Ltd.

BRANCHES
DOMESTIC All States and Union Territories OVERSEAS Singapore

Grand Total = 921

Hong Kong
Dubai

Shanghai
Abu Dhabi

PROMOTERS
Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC) and Four PSU insurance companies, i.e.
National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd.

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 the four subsidiaries contributing Rs. 1.5 crore each.

SOURCES OF INCOME
Client-based merchant foreign exchange trade Service charges from account maintenance Transaction banking including cash management services, Syndication and placement fees Processing fees from loans and commission on non-funded products such as letters of credit and bank guarantees Inter-change fees on ATM-sharing arrangements Fee income from the distribution of third-party personal investment products.

Net profit
(in crores)

To lower cost of deposits supported by the solid and sustained growth of the low-cost current account and savings bank (CASA) deposits as well as a sharp fall in the cost of term deposits.

Operating Revenue

Due to continuing growth of the Banks network and infrastructure required for supporting existing and new businesses

Trading Profit

Low-cost demand deposits (savings bank and current accounts) (CASA)

Return on assets(In percentage)

Bank raised capital in the form of equity and debt to support future growth. It raised Tier I capital in the form of equity capital through simultaneous offerings in the form of a follow-on Global Depositary Receipt (GDR) issue, a Qualified Institutional Placement (QIP) and a preferential allotment of equity shares to the promoters of the Bank. The Bank also raised Rs. 2,996.15 crores by issuing 33,044,500 equity shares

CAPITAL STRUCTURE
Equity Capital
Authorized share capital of `500.00 crores [ 500,000,000 equity shares of `10/- each] As on 31 March, 2011 the Bank has issued, subscribed and paid-up equity capital of `410.55 crores, constituting 410,545,843 number of shares of `10/- each. During the year, the Bank has also allotted equity shares to employees under its Employee Stock Option Plan. Debt Capital Raised Perpetual Debt Instruments Tier 1 Capital, the aggregate value as on 31 March, 2011 was `419.14 crores Upper Tier 2 Capital, the aggregate value of as on 31 March, 2011 was `1,242.80 crores

FINANCIAL RATIOS

CAPITAL ADEQUACY
Proper mapping of credit, operational and market risks to the projected business growth enables assignment of capital It covers the minimum regulatory capital requirement but also provides headroom for growth. Under Basel I, the Bank is required to maintain a minimum ratio of total capital to risk weighted assets (CRAR) of 9.0%, at least half of which is required to be Tier 1 Capital. As per Basel II guidelines, Axis Bank is required to maintain a minimum CRAR of 9.0%, with minimum Tier 1 Capital ratio of 6.0%.
The Bank is well capitalised at present with an overall Capital Adequacy Ratio (CAR) of 12.65% at the end of 2010, well above the benchmark requirement of 9% stipulated by Reserve Bank of India.

NPA for Asset Quality

Healthy asset-quality
Gross NPAs Ratio : 1.01% as against 1.13% last year Net NPA ratio (percentage of Net NPAs as percentage of net customer assets) of 0.26% as against 0.36% last year Improved its provision-coverage to 80.90% (after considering prudential write-offs) from 72.38% last year.

Assumptions to estimate fair value

Significant Assumptions used to estimate fair value Risk free interest rate 5.98%-7.17% Expected life 2 - 4 years Expected Volatility 54.72% - 61.66% Dividend Yield 1.24%-1.32% Price of the underlying share in the market at the time of option grant

GROWTH
Current account deposits increased by 14.76%
Savings Bank deposits increased by 36.03%

Total advances increased by 36.48%

Corporate advances (comprising large, infrastructure and mid-corporate accounts) grew 44.60% Agricultural lending (including lending to microfinance) stood at increasing 35.88%

BASE RATE
Revised its Base Rate to 10.00% p. a. from 7.75% (in effective from October 1, 2010) The revised Base Rate is in effect from 6th August 2011.

Loan Portfolio

Management Analysis
Overview of Economy Prospects for Fiscal 2012 Retail Liabilities