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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.