chapter 5 routh axis 1

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SWOT ANALYSIS FOR THE AXIS

RATIO ANALYSIS OF AXIS BANK

Mar '013

Mar ' 012 Mar ' 011 Mar ' 010 Mar ' 09

CapitalAdequacyRatio

0.00 11.57 11.08s 12.66 11.21

EARNINGSRATIOSIncome from

FundAdvances asa % o f O pIncome

0.00 49.48 42.51 42.56 36.28

OperatingIncome as a

% ofWorkingFunds

14.81 16.10 14.73 22.59

Fund basedincome as a% of OpIncome

100.00 85.58 86.07 85.28 91.28

Fee basedincome as a% of Op

Income

0.00 14.41 13.92 14.71 8.71

PROFITABLITY RATIOSYield on

FundAdvances

7.32 6.84 6.27 8.19


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Break-EvenYield Ratio

8.11 8.11 7.64 10.90

Cost of Funds Ratio

4.73 4.67 4.23 3.56 4.75

Net ProfitMargin 12.17 12.01 13.47 14.33 13.14

AdjustedReturn OnNet Worth

12.21 19.50 16.94 13.54 24.01

ReportedReturn OnNet Worth

12.21 19.42 16.88 13.89 24.49

BORROWING RATIOS

Borrowingsfrom RBI as% to TotalBorrowings

0.00 0.00 0.00 0.00 0.00

Borrowingsfrom otherbanks as a% to TotalBorrowings

0.00 11.54 32.37 9.55 18.61

Borrowingsfrom othersas a % toTotalBorrowings

100.00 23.17 45.64 63.42 57.36

Borrowingswithin Indiaas a % toTotalBorrowings

100.00 34.71 78.02 72.98 75.97

Borrowingsfrom outsideIndia as a %to TotalBorrowings

0.00 65.28 21.97 27.01 24.02

DEPOSITRATIOS


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DemandDeposit ofTotalDeposits

100.00 19.22 19.86 22.56 25.74

SavingDeposit ofTotalDeposits

0.00 20.62 20.10 15.42 12.33

TimeDeposit ofTotalDeposits

0.00 60.14 60.02 62.01 61.92

Depositswithin India

as % to TotalDeposits

99.63 100.00 100.00 100.00

DepositsOutside Indiaas % to TotalDeposits

0.36 0.00 0.00 0.00

PERBRANCHRATIOS

OperatingIncome PerBranch

9.74 7.99 6.78 8.39

OperatingProfit PerBranch

2.13 2.11 1.82 1.96

Net ProfitPer Branch

1.18 1.08 0.96 1.08

PersonnelExpenses

Per Branch

0.68 0.53 0.52 0.48

Administrative ExpensesPer Branch

1.54 1.28 0.89 1.86

FinancialExpensesPer Branch

5.34 4.02 3.52 4.05


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BorrowingsPer Branch

9.26 5.96 5.25 2.09

DepositsPer Branch

104.79 89.14 93.55 83.15

PEREMPLOYEERATIOS(Rs. in

Units)Operating

Income PerEmployee

5,472,542.38

5,485,206.78

4,829,294.06

6,137,279.66

OperatingProfit Per

Employee

1,195,476.

65

1,451,095.

07

1,293,245.

96

1,430,794.

89Net Profit

PerEmployee

663,264.93 742,839.77 685,089.48 791,634.17

PersonnelExpensesPerEmployee

382,110.32 366,552.42 371,465.66 351,755.15

Deposits

PerEmployee

58,903,407

.92

61,213,995

.57

66,607,855

.70

60,788,809

.11

FundAdvancesPerEmployee

36,950,383.97

34,051,931.02

32,772,362.74

27,162,590.66

CASH FLOW STATEMENT FOR THE YEAR ENDED 31 MARCH

2013


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Year ended Year ended31-03-2013 31-03-2012

(Rs. in 000) (Rs. in 000)

Cash flow from operating activitiesNet profit before taxes 9,962,3867,313,011

Adjustments for:Depreciation on fixed assets 1,118,640921,933Depreciation on investments 669,66634,158

Amortisation of premium on 987486875457

Held to Maturity investmentsProvision for Non Performing

Advances/Investments (net off bad debts) 737,3701,270,497General provision onSecuritised assets 25,400(4,000)Provision on standard assets 1,223,500446,800

General provision for retail assets 17,700800Provision for wealth tax 2,4871,457Loss on sale of fixed assets 29,10116,992

Amortisation of deferredemployee compensation 27,06763,235

TOATAL 14,800,80310,940,340

Adjustments for:(Increase)/Decreasein investments (21,042,997)(46,298,353)


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(Increase)/Decreasein advances (146,307,497)(68,244,549)

Increase/ (Decrease)In borrowings 25,146,7138,995,203Increase/ (Decrease)In deposits 186,720,69884,015,312(Increase)/DecreaseIn other assets (1,318,740)4,598,124Increase/(Decrease) in

Other liabilities & provisions (914,451)11,543,386Direct taxes paid (4,129,261)(3,147,781)Net cash flow fromOperating activities 52,955,2682,401,682

Cash flow from investing activities

Purchase of fixed assets (2,225,963)(1,473,932)(Increase)/Decrease in Held toMaturity Investments (34,364,646)(19,542,984)Proceeds from saleof fixed assets 34,85542,235Net cash used in

Investing activities (36,555,754)(20,974,681)Cash flow from financing activities

Proceeds from issue ofSubordinated debt (net of repayment) 3,393,00010,000,000


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Proceeds from issue of PerpetualDebt and Upper Tier II instruments 13,735,120 -Proceeds from issue of Share Capital 29,40148,943

Proceeds from Share Premium(Net of share issue expenses) 330,025800,524Payment of Dividend (1,117,416)(887,410)Net cash generated fromFinancing activities 16,370,1309,962,05739

CASH FLOW STATEMENT FOR THE YEAR ENDED 31 MARCH

2013

Year ended Year ended31-03-2013 31-03-2012

(Rs. in 000) (Rs. in 000)Effect of exchange fluctuationTranslation reserve (5,015) -Net increase in cash andcash equivalents 32,764,629(8,610,942)Cash and cash equivalentsas at 1 April 2012 36,418,422

45,029,364Cash and cash equivalents

As at 31 March 2013 69,183,05136,418,422

PROFIT AND LOSS ACCOUNT


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Schedule No. (Rs. in Thousands)

I INCOME

Interest earned 13 45,603,943Other income 14 10,099,065

TOTAL 55,703,008II EXPENDITUREInterest expended 15 29,931,767Operating expenses 16 12,193,592Provisions and contingencies 17(5.1.1) 7,035,173

TOTAL 49,160,532

III CONSOLIDATED NET PROFITATTRIBUTABLE TO GROUP 6,542,476

Balance in Profit & Loss account broughtforward from previous year 7,310,390

Utilization for Employee Benefits Provision underAccounting Standard (AS)-15 (Revised) 17 (4.10) (318,028)

IV AMOUNT AVAILABLE FORAPPROPRIATION 13,534,838

V APPROPRIATIONS:Transfer to Statutory Reserve 1,647,571Transfer to Capital Reserve 156,415Proposed Dividend (includes tax on dividend) 1,487,919Balance in Profit & Loss account carried forward 10,242,933

TOTAL 13,534,838

VI EARNINGS PER EQUITY SHARE 17 (5.1.4)

(Face value Rs. 10/- per share) (Rupees)Basic 23.33


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Diluted 22.63Significant Accounting Policiesand Notes to Accounts 17

Schedules referred to above form an integral part of theConsolidated Profit and Loss AccountAs per our report of even date For UTI BANK LTD.

For S. R. BATLIBOI & Co.Chartered Accountants

P. J. NayakChairman & Managing Director


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BALANCESHEET AS ON 31ST

MARCH 2013

CAPITAL AND schedule as on 31-3-13LIABILITIES no: (Rs in,000)

Capital 1 2,816,308Reserves & Surplus 2 31,068,175Employees' StockOptions Outstanding (Net) 17(4.15) 89,783Deposits 3 587,850,227Borrowings 4 51,956,030

Other liabilities and provisions 5 58,779,259

TOTAL 732,559,782

ASSETS

Cash and Balances withReserve Bank of India 6 46,610,303Balances with banks and

money at call and short notice 7 22,572,748Investments 8 268,871,605Advances 9 368, 764,60Fixed Assets 10 6,778,359Other Assets 11 18,962,161

TOTAL 732,559,782

Contingent liabilities 12 1,841,653,501Bills for collection 62,746,332

Significant Accounting PoliciesAnd Notes to Accounts 17

Schedules referred to above form an integral part of theConsolidated Balance Sheet As per our report of even date For UTIBANK LTD.


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RATE OF DIVEDEND DECLAIRED BY AXIS BANK

YEAR DIVEDEND

2004-05 12%

2005-06 15%2006-07 20%

2007-08 22%

2008-09 25%

2009-10 28%

2010-11 35%

2011-12 45%2012-13 60%

0%

10%

20%

30%

40%

50%

60%

70%

DIVEDEND

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

2011-12

2012-13


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RETAIL LIABILITIES

YEAR

SB DEPOSIT (RS.

CRORE)

2008-2009 1423

2009-2010 2585

2010-2011 4891

2011-2012 8061

2012-2013 12165

02000

4000

6000

8000

10000

12000

14000

SB DEPOSIT

2008-2009

2009-2010

2010-2011

2011-2012

2012-2013


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RETAIL LIABILITIES

YEARRETAILDEPOSIT(RS.CRORE)

2008-2009 4941

2009-2010 6296

2010-2011 8616

2011-2012 13618

2012-2013 19220

0

5000

10000

15000

20000

25000

RETAIL DEPOSIT(RS.CRORE)

2008-2009

2009-2010

2010-2011

2011-2012

2012-2013


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RETAIL ASSETS


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INTELLECTUAL CAPITAL OF AXIS BANK

RISING PROFITABILITY OF AXIS BANK


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RETURN ON ASSET OF AXIS BANK

ENHANCING SHARE HOLDER VALUE OF AXIS BANK


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FINDINGS

Here lot of things I find to make this project report.

Firstly know to how they manage there banking system.

Secondly known there operation system.

Thirdly known there controlling risk management.


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Fourthly I know it that how to manage there financial

system.

How to operate their share holder.

Know how to control competitors.

Growth banking industry.

Growth of axis bank.

CONCLUSION

It shows the various challenges and opportunities of bank like

rural market, transparency, customer expectations, management of

risks, and growth in banking sector, human factor, global banking,

environmental concern, social, ethical issues, and employee and

customer retentions.


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Banks are striving to combat the competition. The competition

from global banks and technological innovation has compelled the

banks to re-plan their policies and strategies.

SUGGESTIONS

I would say that the biggest challenge for banking industry is to

serve the mass market of India. Companies have shifted their

focus from product to customer.


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The better we understand customers, the more successful bank

will be in meeting their needs. In order to mitigate above

mentioned challenges Indian banks must cut their cost of their

services.Technology up gradation is an inevitable aspect to face

challenges.

The level of consumer awareness is significantly higher as

compared to previous years. Now-a-days they need internet

banking, mobile banking and ATM services so bank has to

provide good services to customers.

Expansion of branch size in order to increase market share is

another tool to combat competitors. Therefore, Indian nationalized

and private sector banks must spread their wings towards global

markets as some of them have already done it. Indian banks are

trustworthy brands in Indian market; therefore, these banks must

utilize their brand equity as it is a valuable asset for them.

These are my suggestions to bank which help them to move

towards the success.

chapter 5 routh axis 1

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