Axis Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Axis Bank	Kotak Mahindra Bank	Yes Bank
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	19.11 %	22.98 %	n/a
% of AUM in equity fund	61.31 %	60.88 %	n/a
AUM - Mutual Funds	353040.75 Crs	569082.56 Crs	n/a
Banks
Gross NPA	1.46 %	1.39 %	1.6 %
Net NPA	0.44 %	0.32 %	0.3 %
CASA Ratio	40.0 %	42.3 %	33.7 %
CASA vs Liabilities	28.71 %	31.64 %	23.27 %
Capital to Risks Assets Ratio (CRAR)	16.55 %	22.1 %	16.1 %
Tier I Capital	14.43 %	20.9 %	13.2 %
Tier 2 Capital	2.12 %	1.2 %	2.9 %
Net Interest Margin	3.82 %	4.54 %	2.5 %
Yield On Advances	9.86 %	n/a	9.5 %
Credit Deposit Ratio	92.79 %	87.5 %	84.5 %
Fresh Slippages - Quarterly	5696.0 Crs	1629.0 Crs	1248.0 Crs
NBFC
Cost of Borrowing	5.15 %	4.7 %	6.0 %
Cost To Income Ratio	47.1 %	46.8 %	67.1 %
Financials
5 yr Average ROE	12.83 %	14.13 %	0.23 %
5yr average Equity Multiplier	9.73	5.66	8.99
5yr Average Asset Turnover Ratio	0.08	0.12	0.08
5yr Avg Net Profit Margin	14.59 %	20.05 %	0.59 %
5yr Avg Net Profit Margin	14.59 %	20.05 %	0.59 %
5yr CAGR Net Profit	31.28 %	17.24 %	n/a
5yr CAGR Sales	14.87 %	13.64 %	9.88 %
5 yr CAGR PPOP	13.18 %	15.44 %	-1.37 %
Price to Book	1.93	2.53	1.42
P/E	14.79	22.88	24.59
Shareholdings
Promoter Holding	8.16 %	25.88 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.53 %	-0.08 %	0.0
Change in Mutual Fund Holding (3 Yrs)	10.28 %	10.84 %	2.51 %

Business

	Axis Bank	Kotak Mahindra Bank	Yes Bank
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 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Others 37.84	Loan Break-Up NBFC 0 SME 7.77 Corporate Banking 22.81 Home loans 28.79 Commercial Vehicles 9.12 Medium Enterprise 0 Agricultural 5.08 Commercial Real Estate 0 Trading 0 Retail Banking 0 Agricultural 0 Small and Micro Enterprise 0 Small & Medium Enterprises (SME) loans 2.6 Metals 0 Infrastructure 0 Business Banking 9.99 Consumer Bank 0 Consumer Durable 5.07 Auto loans 0 Housing 0 Tractor finance 3.85 Chemicals 0 Investment Banking 0 Others 4.92	Loan Break-Up NBFC 0 SME 0 Corporate Banking 26.77 Home Loans and LAP 0 0 Medium Enterprise 0 Agriculture Division 0 Commercial Real Estate 0 Trading 0 Consumer Finance 48.28 Agricultural 0 Small and Micro Enterprise 0 Small Business& Credit Cards 0 Metals 0 Infrastructure 0 Business Banking 0 Consumer Bank 0 Consumer durable 0 Auto loans 0 Housing 0 Tractor finance 0 Chemicals 0 Investment Banking 0 Others 24.95
Segment Break-Up	Segment Break-Up Consumer Finance 62.17 Corporate Banking 21.52 Treasury Operations 13.72 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 2.59	Segment Break-Up Treasury Operations 11.57 Consumer Finance 0 Asset Management 3.04 Auto Loans 4.01 Treasury Operations 0 Advisory 0.85 Corporate Banking 24.74 Insurance 18.73 Broking 4.16 Corporate Banking 0 Others 32.9	Segment Break-Up Treasury, BMU and Corporate Centre 0 Consumer Finance 0 Asset Management 0 Vehicle Financing 0 Treasury Operations 0 Advisory and Transactional Services 0 Corporate I Wholesale Banking 0 Insurance 0 Broking 0 Corporate Banking 0 Others 100
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
Customer Segment	Customer Segment Retail 57.0 Corporate 31.0 SME 12.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 41.2 Consumer Finance 24.21 Treasury Operations 17.8 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 16.79	Operating Profit Break-Up Treasury Operations 19.2 Consumer Finance 0 Asset Management 8.64 Lending 3.01 Auto Loans 3.33 Treasury Operations 0 Advisory 0.29 Insurance 2.22 Broking 5.93 Corporate Banking 0 Others 57.38	Operating Profit Break-Up Treasury, BMU and Corporate Centre 0 Consumer Finance 0 Asset Management 0 Other Lending Activities 0 Vehicle Financing 0 Treasury Operations 0 Advisory and Transactional Services 0 Insurance 0 Broking 0 Corporate Banking 0 Others 100
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 Tier II Borrowings 0 IPDI 0	Borrowings Break-Up Reserve Bank of India 11.14 Financial Institutions & Agencies 0 Reserve Bank of India 0 Banks 0 Borrowings in India- Other Institutions and Agencies 68.74 Tier II Borrowings 0 Borrowings outside India 0 IPDI 0 Borrowings in India- Other Banks 7.34 Borrowings in India- Other Banks 12.79	Borrowings Break-Up 0 Financial Institutions & Agencies 0 Reserve Bank of India 1.54 Banks 0 0 Tier II Borrowings 19.47 Borrowings outside India 12.95 IPDI 0 0 Borrowings in India- Other Banks 0 Others 66.04
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 15.0 Food & Beverage 8.0 Commercial Real Estate 7.0 Textiles 7.0 Engineering 6.0 Iron & Steel 4.0 Pharmaceutical 3.0 Metal 3.0 Chemicals 3.0 Construction 2.0 Industrial & Commercial 2.0 Basic Materials Others 0 Others 40.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 61.94 Liquid/ Money Market 18.75 Debt 16.16 ETF 1.62 Fund of Funds 0.85 Balanced schemes 0.45 Gilt 0.19 FMP 0.05 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0	AUM Break-Up - Asset Management Fund of Funds 0 Insurance 0 Liquid/ Money Market 14.31 FMP 0 Offshore funds 0 Balanced schemes 0 PMS & others 0 ETF 4.39 Debt 17.44 Gilt 0 Alternate asset 0 Equity 0 Others 63.86	-
Asset Break-Up	Asset Break-Up India 96.49 Others 3.51	-	Asset Break-Up India 0 Others 100
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 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 55.35 Non Priority sector 0 Priority sector 0 Priority Sector 44.65	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 59.24 Priority Sector 40.76 Priority Sector 0

Axis Bank Ltd.

Axis Bank Ltd.

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