AXIS BANK1) No. 0f Branches- 2589

2) No. of ATMs- 12355

3) No. of employees- About 42,500

Profit and Loss Statement for the last 5 years:Profit & Loss account of Axis Bank------------------- in Rs. Cr. -------------------

Mar '14Mar '13Mar '12Mar '11Mar '10

12 mths12 mths12 mths12 mths12 mths

Income

Interest Earned0.0027,182.5721,994.6515,154.8111,638.02

Other Income0.006,551.115,420.224,632.133,945.78

Total Income0.0033,733.6827,414.8719,786.9415,583.80

Expenditure

Interest expended0.0017,516.3113,976.908,591.826,633.53

Employee Cost0.002,376.982,080.171,613.901,255.82

Selling, Admin & Misc Expenses0.008,309.226,773.355,903.144,945.60

Depreciation0.00351.73342.24289.59234.32

Preoperative Exp Capitalised0.000.000.000.000.00

Operating Expenses0.006,914.236,007.104,779.435,066.76

Provisions & Contingencies0.004,123.703,188.663,027.201,368.98

Total Expenses0.0028,554.2423,172.6616,398.4513,069.27

Mar '14Mar '13Mar '12Mar '11Mar '10

12 mths12 mths12 mths12 mths12 mths

Net Profit for the Year0.005,179.434,242.213,388.492,514.53

Extraordinary Items0.000.000.000.000.00

Profit brought forward0.007,329.454,969.773,427.432,348.09

Total0.0012,508.889,211.986,815.924,862.62

Preference Dividend0.000.000.000.000.00

Equity Dividend0.00843.86658.24573.00567.45

Corporate Dividend Tax0.00143.37111.8397.350.00

Per share data (annualised)

Earning Per Share (Rs)0.00110.68102.6782.5462.06

Equity Dividend (%)0.00180.00160.00140.00120.00

Book Value (Rs)0.00707.50551.99462.77395.99

Appropriations

Transfer to Statutory Reserves0.001,492.381,112.46836.95867.43

Transfer to Other Reserves0.000.010.00338.850.31

Proposed Dividend/Transfer to Govt0.00987.23770.07670.35567.45

Balance c/f to Balance Sheet0.0010,029.267,329.454,969.773,427.43

Total0.0012,508.889,211.986,815.924,862.62

Performance and Profitability ratios:Parameter03/1103/1203/1303/1403/15IndustryAvg.

NIM (%)2.782.902.923.213.16

Cost to income ratio (%)0.8280.8450.8460.8360.832

% of Non interest income to Total operating income 0.2340.1970.1940.1940.190

Overhead efficiency (Non Int. Income/Non Int. Exp.) (%)3.624.743.743.513.59

Efficiency Ratio (Non Int. Exp/(Net Int. Income + Non Int. Income) (%)42.6944.7042.6340.8140.74

ROA (AU*NPM) (%)1.581.601.671.741.75

AU (X)0.0710.0830.0870.08480.0841

NPM (%)2219.219.220.520.8

ROE (ROA*EM) (%)19.1220.3018.7517.6417.87

EM (A/E) (X)12.1012.6811.2210.1310.21

SUMMARY P&L PARAMETERS:Parameter03/1103/1203/1303/1403/15

1.Interest incomeGrowth (%)30.245.1323.5812.7215.78

2. Interest expenditureGrowth (%)25.4741.3123.2211.4614.63

3. Net interest income (NII) (1-2)Growth (%)4.733.820.361.261.15

4. Non interest incomeGrowth (%)17.3917.0120.8613.0312.96

5. Total Operating income (1+4)Growth (%)47.5962.1444.4425.7528.74

6. Net operating income(3+4)Growth (%)22.1220.8321.2214.2914.11

7. Operating expenditureGrowth (%)-5.6725.6815.1014.2616.49

8. Operating profit (6-7)Growth (%)27.79-4.856.120.03-2.38

9. Provisions & contingenciesGrowth (%)5.33-10.6753.1520.3910.47

10. Profit after tax (8-9)Growth (%)22.465.82-47.03-20.36-33.21

Key Balance Sheet Parameters:

Parameter03/1103/1203/1303/1403/15Industry Avg.

Deposits189237.80220104.30252613.59280944.56322441.94

Growth/change(YOY)

Advances142407.83169759.54196965.96230066.76281083.03

Growth19.2016.0216.8022.17

Total business mix (deposits+advances)331645.63389863.84449579.55511011.32603524.97

Growth7.39.19.79.59.2

CASA ratio (%)(CASA/Total deposits)

Shareholders equity18998.8322808.5433107.8638220.4944676.52

TOTAL ASSETS24256672854165340557738635014672430

ASSET QUALITY RATIOS:Parameter03/1103/1203/1303/1403/15Industry Avg.

1.Gross loans or Gross Credit

2.Gross NPA159.941806.302393.423146.414110.19

3.NPA provisions118.91333.661689.292121.792793.48

4.Net NPA (2-3)41.04472.64704.131024.621316.71

5. Net loan or credit (1-3)

6. Gross NPA ratio (Gross NPA to Gross Credit)= 2/1 (%)

7. Net NPA ratio (Net NPA to Net Credit) = 4/5 (%)0.30.30.40.40.4

8.Povision Coverage Ratio (PCR) = 3/2 (%)*74.3473.8370.5867.4367.96

*RBI target for PCR is 70% by Sept. 2010 for All Commercial Banks

Vulnerability Ratios or Capital Risk Ratios or Solvency Ratios:Parameter03/1103/1203/1303/1403/15

Tier-1 capital

Tier-2 capital

Total capital funds (T-1 + T-2)

CAR or CRAR (Basel-1) (%)

CAR or CRAR (Basel-2) (%)

Productivity Ratios: [Rs. in lakhs]Parameter03/1103/1203/1303/1403/15

Avg. profit per employee (Net Income/avg. no. of employees)12.6313.2913.8114.8717.63

Avg. business per employee (Bus. Mix/ avg. no. of employees)125.62122.98118.62120.52143.01

Avg. profit per branch12.2711.8713.0815.9118.44

Avg. business per branch238.59240.35230.90212.74233.11

References:1) http://financials.morningstar.com/ratios/r.html?t=AXISBANK&region=ind&culture=en-US2) http://profit.ndtv.com/stock/axis-bank-ltd_axisbank/financials-historical-cash-flow3) http://www.moneycontrol.com/financials/axisbank/results/yearly/AB16#AB164) http://money.rediff.com/companies/Axis-Bank-Ltd/14030047/ratio5) https://www.equitymaster.com/research-it/company-info/detailed-financial-information.asp?symbol=utib&name=AXIS-BANK-Detailed-Financial-Data