1. Axis bank Reinventing banking Presented by : Nikunj Shah Reshma Sonawane Jayesh Surve Sanil Tharwal Ankita Trivedi

2. Indian Banking System

13. UTI BANK

15. Journey From UTI to AXIS

26. The New Logo The logo depicts a strong growth path for the bank supported by a strong base, indicating that the bank is moving on from a position of strength.

27. ABOUT AXIS

37. Axis Financial Position Rs in crs. Particulars Mar 07 Mar 08 Mar 09 Deposits 58,785.60 87,626.22 117,374.11 Advances 36,876.48 59,661.14 81,556.77 Share Capital 281.63 357.71 359.01 Net worth 3,402.21 8,770.69 10,214.80 Book Value 120.80 245.19 284.53 Interest earned 4,560.40 7,005.32 10,835.49 Interest expenditure 2,993.32 4,419.96 7,149.27 Net profit 659.03 1,071.03 1,815.36 Net NPAs 0.61% 0.36% 0.35% Total Assets 73,257.21 109,577.84 147,722.06 Return on Assets 1.10% 1.24% 1.44%

38. Axis Bank Ratio Analysis Particulars Mar 07 Mar 08 Mar 09 Capital Adequacy Ratio 11.57 13.73 13.69 Net profit margin 12.01 12.22 13.31 Operating Expense / Total Inc 23.26 26.20 24.95 Return on Net worth (%) 19.37 12.21 17.77 Net Interest Income/total funds 4.01 4.74 4.98 Non Interest Income/total funds 0.03 0.02 0.06 Net Profit / Total Funds 1.07 1.17 1.41 Earning per share 23.40 29.94 50.57 Equity Dividend (%) 45.00 60.00 100.00

51. Revenue Break – up of Axis Rs in crs Segment Revenue Mar 09 Treasury 20,290.71 Corporate /wholesale banking 7280.14 Retail banking 6675.51 Other banking business (5.40)

60. Comparative Analysis As on Mar 09. Rs in crs Particulars Axis HDFC PNB HSBC Deposits 117,374.11 142,811.58 209,760.50 49,970.27 Advances 81,556.77 98,883.05 154,702.99 27,588.68 Share Capital 359.01 425.38 315.30 4,499.16 Net worth 10,214.80 15,052.73 14,653.63 11,214.3 Book Value 284.53 344.44 416.74 - Interest earned 10,835.49 16,332.26 19,326.16 6,326.9 Interest expenditure 7,149.27 8,911.10 12,295.30 2,661 Net profit 1,815.36 2,244.94 3,090.8 12,91.2 Net NPAs 0.35% 1.49% 0.17% 1.42% Total Assets 147,722.06 183,270.78 246,918.62 94,620.3 Return on Assets 1.44% 1.10% 1.15% 1.51%

61. Comparative Ratio Analysis Particulars Axis HDFC PNB HSBC Capital Adequacy Ratio 13.69 13.60% 12.96% 15.31% Net profit margin 13.31 11.35 13.76 Operating Expense / Total Inc 24.95 35.06 21.53 Return on Net worth (%) 17.77 15.32 23.52 Net Interest Income/total funds 4.98 6.86 4.34 6.66% Non Interest Inc/total funds 0.06 - 0.25 2.84% Net Profit / Total Funds 1.41 1.42 1.40 4.39% Earning per share 50.57 52.77 98.03 - Equity Dividend (%) 100.00 100.00 200 - Net Interest margin (%) 3.33 4.40 3.58

62. Comparative Reach Analysis Banks Branches ATMs Cities Inception yr Overseas presence Axis 835 3595 515 1994 4 HDFC 1416 3382 550 1995 PNB 4668 2150 21,408 1895 3 HSBC 178 150 - 1959 83

65. Axis Bank Marketing Overview

66. Marketing Management

69. Bankers Identify Near-Team and Long Term Concerns 1991 2015 Maintaining profitability Credit Portfolio Management Service Quality Regional Economy Cost Management / Expense reduction Declining Earnings/ more failures Market / customer focus Capital adequacy Stock market value Industry Overcapacity Service quality Maintaining profitability Market / customer focus Operations/systems/technology Credit portfolio management Productivity improvement Investment to stay competitive Stock market value Asset/liability management Electronic Banking

70. SWOT ANALYSIS OF AXIS BANK

71. PESTLE ANALYSIS OF AXIS BANK

90. The fact that the top 9 banks account for barely 57.8% of the market share suggests that several smaller players occupy the remaining 42.2%

94. Axis Bank H. R. Overview

98. HR BUSINESS MODEL

100. RECRUITMENT PROCESS IN AXIS BANK

101. Axis Bank Information System Overview

108. HOW IT WORKS?

110. Operations Perspective

114. New Initiatives

121. Strategic Tie-ups

132. Thank you