Axis Bank Ltd.

Financial

	Axis Bank	ICICI Bank	Kotak Mahindra Bank
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	24.65 %	17.6 %	20.66 %
AUM - Mutual Funds	278205.49 Crs	725442.8 Crs	390476.12 Crs
% of AUM in equity fund	63.38 %	53.1 %	58.72 %
Banking Sector
CASA Ratio	41.0 %	38.9 %	47.7 %
CASA vs Liabilities	29.66 %	23.75 %	35.57 %
Credit Deposit Ratio	90.31 %	87.34 %	88.0 %
Capital to Risks Assets Ratio (CRAR)	16.63 %	16.33 %	22.2 %
Tier I Capital	14.2 %	15.6 %	21.2 %
Tier 2 Capital	2.43 %	0.73 %	1.0 %
Net Interest Margin	4.06 %	4.4 %	5.22 %
Yield On Advances	10.6 %	9.88 %	n/a
Gross NPA	1.43 %	2.16 %	1.73 %
Net NPA	0.31 %	0.42 %	0.34 %
Fresh Slippages - Quarterly	3471.0 Crs	5139.0 Crs	1177.0 Crs
NBFC
Cost To Income Ratio	50.5 %	39.2 %	48.4 %
Cost of Borrowing	5.43 %	5.05 %	4.14 %
Financials
5 yr Average ROE	7.86 %	12.57 %	13.5 %
5yr average Equity Multiplier	10.58	10.16	6.03
5yr Average Asset Turnover Ratio	0.08	0.1	0.11
5yr Avg Net Profit Margin	9.06 %	11.05 %	18.59 %
5yr Avg Net Profit Margin	9.06 %	11.05 %	18.59 %
5yr CAGR Net Profit	16.51 %	51.57 %	15.68 %
5yr CAGR Sales	8.61 %	7.23 %	8.19 %
5 yr CAGR PPOP	1.87 %	13.8 %	11.57 %
Price to Book	2.24	3.13	2.37
P/E	13.35	18.13	16.89
Shareholdings
Promoter Holding	8.22 %	0.0	25.9 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.36 %	0.0	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	4.94 %	3.66 %	4.79 %

Business

	Axis Bank	ICICI Bank	Kotak Mahindra Bank
Loan Break-Up	Loan Break-Up Housing 24.66 Agricultural 10.11 Infrastructure 8.36 Auto loans 4.96 Trading 4.96 Chemicals 3.51 Commercial Real Estate 3.45 Metals 3.28 NBFC 2.95 Credit cards 0 Personal loans 0 Rural loans 0 Business banking 0 Vehicle loans 0 Mortgage loans 0 Overseas book 0 Corporate-Domestic 0 SME-Domestic 0 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 Others 33.76	Loan Break-Up Consumer Bank 0 Commercial Real Estate 0 Credit Cards 4.1 Home Loans and LAP 0 Tractor finance 0 Agriculture Division 0 Rural Finance 8.3 Small & Medium Enterprises (SME) loans 4.9 Auto loans 7.6 Infrastructure 0 Small Business& Credit Cards 0 Corporate-Domestic 21.7 Corporate Banking 0 Chemicals 0 0 SME 0 Trading 0 Housing 0 Business Banking 7.4 Consumer durable 0 Metals 0 Agricultural 0 Personal Loan 9.4 Overseas 3.4 Loan Against Property 32.5 Auto loans 0 Business Banking 0 NBFC 0 Others 0.7	Loan Break-Up Consumer Bank Working capital 9.07 Commercial Real Estate 0 Credit cards 0 Home loans 27.45 Tractor finance 4.07 Agricultural 7.39 Rural loans 0 SME-Domestic 0 Vehicle loans 0 Infrastructure 0 Small & Medium Enterprises (SME) loans 3.73 Corporate-Domestic 0 Corporate Banking 22.62 Chemicals 0 Commercial Vehicles 9.06 SME 6.93 Trading 0 Housing 0 Business banking 0 Consumer Durable 5.18 Metals 0 Agricultural 0 Personal loans 0 Overseas book 0 Mortgage loans 0 Auto loans 0 Business Banking 0 NBFC 0 Others 4.5
Segment Break-Up	Segment Break-Up Consumer Finance 60.98 Corporate Banking 22.47 Treasury Operations 14.31 General insurance 0 Life insurance 0 Wholesale banking 0 Retail banking 0 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 2.24	Segment Break-Up General insurance 0 Insurance 0 Advisory and Transactional Services 0 Consumer Finance 33.56 Consumer Finance 0 Treasury, BMU and Corporate Centre 0 Vehicle Financing 0 Asset Management 0 Corporate I Wholesale Banking 0 Life Insurance Business 12.98 Treasury Operations 0 Corporate Banking 19.2 Corporate Banking 0 Broking 0 Others 34.26	Segment Break-Up General insurance 0 Insurance 27.81 Advisory 1.32 Retail banking 0 Consumer Finance 0 Treasury Operations 10.07 Auto Loans 3.46 Asset Management 2.04 Corporate Banking 22.18 Life insurance 0 Treasury Operations 0 Wholesale banking 0 Corporate Banking 0 Broking 3.08 Others 30.04
Location Wise Break-Up	Location Wise Break-Up India 97.98 Rest of the World 2.02	Location Wise Break-Up Rest of the World 2.8 India 97.2	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 31.91 Treasury Operations 12.71 Corporate Banking 4.39 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 50.99	-	Operating Profit Break-Up Insurance 3.51 Advisory 3.16 Auto Loans 3.05 Consumer Finance 0 Treasury Operations 17.5 Asset Management 5.19 Treasury Operations 0 Corporate Banking 0 Lending 4.22 Broking 5.04 Others 58.33
Customer Segment	Customer Segment Corporate 58.67 Retail 30.6 SME 10.73	-	-
Borrowings Break-Up	Borrowings Break-Up Financial Institutions & Agencies 71.4 Borrowings outside India 18.19 Banks 6.64 Reserve Bank of India 3.77 Outside India 0 Bonds and notes 0 Unsecured redeemable debentures/bonds 0 Capital instruments 0 0 Commercial paper 0 Deposits 0 0 0 Borrowings in India- Other Banks 0 0	Borrowings Break-Up Banks 0 Bonds & Debentures 26.81 Deposits 1.94 Reserve Bank of India 1.0 0 Outside India 23.53 Bonds and notes 0 Capital instruments 0 Borrowings outside India 0 0 Financial Institutions & Agencies 0 0 Borrowings in India- Other Banks 0 UNSECURED REDEEMABLE BONDS 2.81 Commercial Papers 5.18 Others 38.73	Borrowings Break-Up Banks 0 0 Deposits 0 Reserve Bank of India 0 Reserve Bank of India 8.24 Outside India 0 Bonds and notes 0 Capital instruments 0 Borrowings outside India 0 Borrowings in India- Other Banks 7.87 Financial Institutions & Agencies 0 Borrowings in India- Other Institutions and Agencies 54.59 Borrowings in India- Other Banks 29.29 Unsecured redeemable debentures/bonds 0 Commercial paper 0 Others 0.01
Asset Break-Up	Asset Break-Up India 96.14 Others 3.86	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 63.57 Liquid/ Money Market 16.58 Debt 1.57 ETF 1.29 Fund of Funds 1.02 Balanced schemes 0.62 FMP 0 Gilt 0 Equity 0 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0 Others 15.35	AUM Break-Up - Asset Management Offshore funds 0 Insurance 0 Liquid/ Money Market 10.44 Gilt 0 Debt 21.18 FMP 0 Alternate asset 0 Balanced schemes 4.4 ETF 7.07 PMS & others 0 Fund of Funds 0 Equity 51.66 Others 5.25	AUM Break-Up - Asset Management Offshore funds 0 Insurance 0 Liquid/ Money Market 14.72 Gilt 0 Debt 21.48 FMP 0 Alternate asset 0 Balanced schemes 0 ETF 3.23 PMS & others 0 Fund of Funds 0 Equity 0 Others 60.57
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 63.95 Priority Sector 36.05 Non-priority sector 0 Priority sector 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 27.21 Non Priority Sector 72.79	Priority vs Non-Priority Sector Non Priority Sector 54.14 Priority Sector 45.86 Priority sector 0 Non-priority sector 0
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 14.0 Food & Beverage 9.0 Textiles 8.0 Engineering 7.0 Metal 4.0 Commercial Real Estate 4.0 Iron & Steel 4.0 Chemicals 4.0 Construction 3.0 Pharmaceutical 3.0 Industrial & Commercial 2.0 Basic Materials Others 0 Others 38.0	-	-

Axis Bank Ltd.

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