Axis Bank Ltd.

Financial

	Axis Bank	Kotak Mahindra Bank	Indusind Bank
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	19.11 %	22.98 %	n/a
% of AUM in equity fund	61.14 %	60.38 %	n/a
AUM - Mutual Funds	346336.9 Crs	547589.81 Crs	n/a
Banking Sector
Gross NPA	1.57 %	1.48 %	3.64 %
Net NPA	0.45 %	0.34 %	1.12 %
CASA Ratio	40.0 %	40.9 %	31.0 %
CASA vs Liabilities	28.98 %	30.44 %	22.82 %
Capital to Risks Assets Ratio (CRAR)	16.85 %	23.7 %	16.63 %
Tier I Capital	14.68 %	22.7 %	15.48 %
Tier 2 Capital	2.17 %	1.0 %	1.16 %
Net Interest Margin	3.91 %	4.65 %	3.46 %
Yield On Advances	9.86 %	n/a	11.62 %
Credit Deposit Ratio	91.23 %	86.7 %	84.02 %
Fresh Slippages - Quarterly	8200.0 Crs	1812.0 Crs	2567.0 Crs
NBFC
Cost of Borrowing	5.39 %	5.01 %	5.69 %
Cost To Income Ratio	47.1 %	46.19 %	62.23 %
Financials
5 yr Average ROE	12.83 %	14.13 %	12.57 %
5yr average Equity Multiplier	9.73	5.66	8.4
5yr Average Asset Turnover Ratio	0.08	0.12	0.1
5yr Avg Net Profit Margin	14.59 %	20.05 %	13.26 %
5yr Avg Net Profit Margin	14.59 %	20.05 %	13.26 %
5yr CAGR Net Profit	31.28 %	17.24 %	15.03 %
5yr CAGR Sales	14.87 %	13.64 %	9.06 %
5 yr CAGR PPOP	13.18 %	15.44 %	7.94 %
Price to Book	1.71	2.5	0.96
P/E	11.89	20.54	52.97
Shareholdings
Promoter Holding	8.17 %	25.88 %	15.82 %
Share Pledged by Promoters	0.0	0.0	50.86 %
Change in Promoter Holding (3 Yrs)	-1.53 %	-0.09 %	-0.69 %
Change in Mutual Fund Holding (3 Yrs)	9.32 %	9.36 %	13.23 %

Business

	Axis Bank	Kotak Mahindra Bank	Indusind Bank
Segment Break-Up	Segment Break-Up Consumer Finance 61.4 Corporate Banking 20.99 Treasury Operations 15.28 Advisory and Transactional Services 0 Treasury, BMU and Corporate Centre 0 Corporate I Wholesale Banking 0 Insurance 0 Vehicle Financing 0 Broking 0 Asset Management 0 Others 2.33	Segment Break-Up Treasury Operations 0 Broking 3.77 Auto Loans 3.76 Consumer Finance 0 Treasury Operations 12.83 Advisory 0.78 Corporate Banking 0 Insurance 22.39 Corporate Banking 21.69 Asset Management 3.0 Others 31.78	Segment Break-Up Treasury Operations 0 Broking 0 Vehicle Financing 0 Consumer Finance 0 Treasury, BMU and Corporate Centre 0 Advisory and Transactional Services 0 Corporate Banking 0 Insurance 0 Corporate I Wholesale Banking 0 Asset Management 0 Others 100
Loan Break-Up	Loan Break-Up Housing 22.52 Agricultural 10.25 Auto loans 5.81 Trading 5.76 Infrastructure 5.13 NBFC 3.79 Commercial Real Estate 3.53 Metals 2.79 Chemicals 2.58 Consumer Bank 0 SME 0 Small Business& Credit Cards 0 Home Loans and LAP 0 Auto loans 0 Business Banking 0 Consumer durable 0 Tractor finance 0 Agriculture Division 0 0 Corporate Banking 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 0 Gems and Jewellery 0 0 Others 37.84	Loan Break-Up Metals 0 Services 0 0 Consumer Bank 0 Chemicals 0 Infrastructure 0 Agricultural 5.49 Personal loans 0 Home loans 28.66 Commercial Real Estate 0 Business Banking 9.69 NBFC 0 Gems and Jewellery 0 Trading 0 Tractor finance 3.89 Small & Medium Enterprises (SME) loans 2.82 Housing 0 Basic Metal and Metal Products 0 Agricultural 0 0 Auto loans 0 Consumer Durable 5.31 Commercial Vehicles 9.36 Corporate Banking 22.4 SME 7.58 Others 4.8	Loan Break-Up Metals 0 Services 54.57 0 Consumer Bank 0 Chemicals 0 Infrastructure 2.78 Agriculture Division 0 Personal Loan 10.64 Home Loans and LAP 0 Commercial Real Estate 0 Business Banking 0 NBFC 0 Gems & Jewelry 2.24 Trading 0 Tractor finance 0 Small Business& Credit Cards 0 Housing 0 Metals 2.55 Agricultural 0 0 Auto loans 0 Consumer durable 0 0 Corporate Banking 0 SME 0 Others 27.22
Location Wise Break-Up	Location Wise Break-Up India 97.75 Rest of the World 2.25	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 36.17 Treasury Operations 29.71 Consumer Finance 20.15 Insurance 0 Asset Management 0 Advisory and Transactional Services 0 Broking 0 Other Lending Activities 0 Vehicle Financing 0 Treasury, BMU and Corporate Centre 0 Others 13.97	Operating Profit Break-Up Treasury Operations 0 Broking 5.71 Consumer Finance 0 Lending 2.8 Treasury Operations 21.86 Advisory 0.39 Corporate Banking 0 Insurance 7.4 Auto Loans 3.43 Asset Management 9.54 Others 48.87	Operating Profit Break-Up Treasury Operations 0 Broking 0 Consumer Finance 0 Other Lending Activities 0 Treasury, BMU and Corporate Centre 0 Advisory and Transactional Services 0 Corporate Banking 0 Insurance 0 Vehicle Financing 0 Asset Management 0 Others 100
Customer Segment	Customer Segment Retail 59.0 Corporate 30.0 SME 11.0 Consumer Finance 0 Corporate Bank 0	-	Customer Segment Retail 0 Corporate 0 Consumer Finance 58.0 Corporate Banking 42.0 SME 0
Borrowings Break-Up	Borrowings Break-Up Financial Institutions & Agencies 76.3 Borrowings outside India 16.32 Banks 7.38 Reserve Bank of India 0 0 0 Borrowings in India- Other Banks 0 0 0 Long Term Infrastructure Bonds 0	Borrowings Break-Up Borrowings in India- Other Banks 12.79 Long Term Infrastructure Bonds 0 Reserve Bank of India 11.14 Borrowings in India- Other Banks 7.34 Borrowings in India- Other Institutions and Agencies 68.74 Banks 0 Reserve Bank of India 0 Financial Institutions & Agencies 0 0 Borrowings outside India 0	Borrowings Break-Up Borrowings in India- Other Banks 0 Long Term Infrastructure Bonds 3.15 0 0 0 Banks 0 Reserve Bank of India 0 Financial Institutions & Agencies 0 0 Borrowings outside India 40.98 Others 55.87
Asset Break-Up	Asset Break-Up India 96.49 Others 3.51	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 61.51 Liquid/ Money Market 20.16 Debt 15.58 ETF 1.37 Fund of Funds 0.65 Balanced schemes 0.46 Gilt 0.23 FMP 0.05 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0	AUM Break-Up - Asset Management ETF 4.29 Offshore funds 0 FMP 0 Equity 0 Fund of Funds 0 PMS & others 0 Gilt 0 Liquid/ Money Market 14.82 Alternate asset 0 Balanced schemes 0 Insurance 0 Debt 17.95 Others 62.94	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.99 Priority Sector 37.01 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 55.35 Priority Sector 44.65	Priority vs Non-Priority Sector Non Priority Sector 69.66 Priority Sector 30.34
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 15.0 Food & Beverage 9.0 Textiles 7.0 Commercial Real Estate 6.0 Engineering 6.0 Metal 4.0 Iron & Steel 4.0 Pharmaceutical 3.0 Chemicals 3.0 Construction 2.0 Industrial & Commercial 2.0 Basic Materials Others 0 Others 39.0	-	-

Axis Bank Ltd.

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