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
AUM - Mutual Funds	337787.38 Crs	526364.17 Crs	n/a
% of AUM in equity fund	60.71 %	60.04 %	n/a
Banking Sector
CASA Ratio	41.0 %	43.0 %	33.0 %
CASA vs Liabilities	29.87 %	30.94 %	24.47 %
Credit Deposit Ratio	88.73 %	85.54 %	83.97 %
Capital to Risks Assets Ratio (CRAR)	17.07 %	23.3 %	16.24 %
Tier I Capital	14.67 %	22.3 %	15.1 %
Tier 2 Capital	2.4 %	1.0 %	1.14 %
Net Interest Margin	4.08 %	4.97 %	2.25 %
Yield On Advances	10.2 %	n/a	9.45 %
Gross NPA	1.28 %	1.42 %	3.13 %
Net NPA	0.33 %	0.31 %	0.95 %
Fresh Slippages - Quarterly	4805.0 Crs	1488.0 Crs	5014.0 Crs
NBFC
Cost To Income Ratio	47.0 %	47.71 %	113.07 %
Cost of Borrowing	5.5 %	5.09 %	5.6 %
Financials
5 yr Average ROE	10.03 %	13.84 %	12.57 %
5yr average Equity Multiplier	10.11	5.86	8.4
5yr Average Asset Turnover Ratio	0.08	0.11	0.1
5yr Avg Net Profit Margin	11.46 %	19.32 %	13.26 %
5yr Avg Net Profit Margin	11.46 %	19.32 %	13.26 %
5yr CAGR Net Profit	70.1 %	16.21 %	15.03 %
5yr CAGR Sales	11.5 %	13.36 %	9.06 %
5 yr CAGR PPOP	10.4 %	13.07 %	7.94 %
Price to Book	2.01	2.68	1.0
P/E	13.4	19.1	25.1
Shareholdings
Promoter Holding	8.18 %	25.88 %	15.83 %
Share Pledged by Promoters	0.0	0.0	50.86 %
Change in Promoter Holding (3 Yrs)	-1.52 %	-0.1 %	-0.69 %
Change in Mutual Fund Holding (3 Yrs)	9.31 %	8.08 %	14.04 %

Business

	Axis Bank	Kotak Mahindra Bank	Indusind Bank
Loan Break-Up	Loan Break-Up Housing 23.22 Agricultural 11.04 Infrastructure 6.34 Auto loans 5.87 Trading 5.35 Commercial Real Estate 3.58 NBFC 2.96 Chemicals 2.77 Metals 2.63 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 36.24	Loan Break-Up Personal loans 0 Corporate Banking 20.88 SME 8.05 Consumer Durable 5.59 Agricultural 0 Business Banking 9.63 0 Metals 0 Tractor finance 4.01 Housing 0 Commercial Real Estate 0 NBFC 0 Consumer Bank 0 Commercial Vehicles 9.68 Small & Medium Enterprises (SME) loans 3.02 0 Agricultural 6.32 Chemicals 0 Trading 0 Gems and Jewellery 0 Home loans 28.59 Infrastructure 0 Basic Metal and Metal Products 0 Services 0 Auto loans 0 Others 4.23	Loan Break-Up Personal Loan 10.64 Corporate Banking 0 SME 0 Consumer durable 0 Agricultural 0 Business Banking 0 0 Metals 0 Tractor finance 0 Housing 0 Commercial Real Estate 0 NBFC 0 Consumer Bank 0 0 Small Business& Credit Cards 0 0 Agriculture Division 0 Chemicals 0 Trading 0 Gems & Jewelry 2.24 Home Loans and LAP 0 Infrastructure 2.78 Metals 2.55 Services 54.57 Auto loans 0 Others 27.22
Segment Break-Up	Segment Break-Up Consumer Finance 62.55 Corporate Banking 20.77 Treasury Operations 13.11 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 3.57	Segment Break-Up Auto Loans 3.55 Advisory 1.12 Broking 3.3 Asset Management 3.25 Treasury Operations 11.08 Corporate Banking 22.5 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Insurance 23.71 Others 31.49	Segment Break-Up Vehicle Financing 0 Advisory and Transactional Services 0 Broking 0 Asset Management 0 Treasury, BMU and Corporate Centre 0 Corporate I Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Insurance 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
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 39.72 Consumer Finance 28.61 Treasury Operations 13.01 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 18.66	Operating Profit Break-Up Lending 3.28 Auto Loans 2.96 Asset Management 10.19 Advisory and Transactional Services 0 Broking 3.12 Treasury Operations 18.5 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Insurance 2.19 Others 59.76	Operating Profit Break-Up Other Lending Activities 0 Vehicle Financing 0 Asset Management 0 Advisory and Transactional Services 0 Broking 0 Treasury, BMU and Corporate Centre 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Insurance 0 Others 100
Customer Segment	Customer Segment Retail 60.0 Corporate 29.0 SME 11.0 Consumer Finance 0 Corporate Bank 0	-	Customer Segment Corporate Banking 42.0 Corporate 0 Consumer Finance 58.0 SME 0 Retail 0
Borrowings Break-Up	Borrowings Break-Up Financial Institutions & Agencies 77.23 Borrowings outside India 15.81 Banks 6.96 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 9.85 Borrowings in India- Other Institutions and Agencies 64.35 Borrowings in India- Other Banks 25.8 Borrowings outside India 0 Banks 0 Long Term Infrastructure Bonds 0 Financial Institutions & Agencies 0 0 0 Reserve Bank of India 0	Borrowings Break-Up 0 0 Borrowings in India- Other Banks 0 Borrowings outside India 40.98 Banks 0 Long Term Infrastructure Bonds 3.15 Financial Institutions & Agencies 0 0 0 Reserve Bank of India 0 Others 55.87
Asset Break-Up	Asset Break-Up India 96.57 Others 3.43	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 60.58 Liquid/ Money Market 21.62 Debt 15.05 ETF 1.3 Fund of Funds 0.64 Balanced schemes 0.47 Gilt 0.29 FMP 0.05 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0	AUM Break-Up - Asset Management Debt 18.32 FMP 0 Fund of Funds 0 Liquid/ Money Market 15.39 ETF 4.16 PMS & others 0 Balanced schemes 0 Gilt 0 Alternate asset 0 Offshore funds 0 Equity 0 Insurance 0 Others 62.13	-
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	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 61.9 Priority Sector 38.1 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

Axis Bank Ltd.

SIGN UP FOR FREE