Axis Bank Ltd.

Financial

	Axis Bank	Kotak Mahindra Bank	Indusind Bank
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	24.65 %	20.66 %	n/a
% of AUM in equity fund	63.5 %	61.25 %	n/a
AUM - Mutual Funds	330334.57 Crs	499955.01 Crs	n/a
Banking Sector
Gross NPA	1.46 %	1.5 %	2.25 %
Net NPA	0.35 %	0.41 %	0.68 %
CASA Ratio	39.0 %	42.3 %	35.0 %
CASA vs Liabilities	28.01 %	31.44 %	26.08 %
Capital to Risks Assets Ratio (CRAR)	17.01 %	22.8 %	16.46 %
Tier I Capital	15.01 %	21.7 %	15.18 %
Tier 2 Capital	2.0 %	1.1 %	1.28 %
Net Interest Margin	4.06 %	4.93 %	3.93 %
Yield On Advances	10.2 %	n/a	12.21 %
Credit Deposit Ratio	92.58 %	87.4 %	89.61 %
Fresh Slippages - Quarterly	5432.0 Crs	1657.0 Crs	2200.0 Crs
NBFC
Cost of Borrowing	5.46 %	5.06 %	5.7 %
Cost To Income Ratio	47.0 %	47.24 %	52.5 %
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	1.75	2.61	1.24
P/E	11.16	17.04	11.26
Shareholdings
Promoter Holding	8.23 %	25.89 %	16.29 %
Share Pledged by Promoters	0.0	0.0	50.86 %
Change in Promoter Holding (3 Yrs)	-1.48 %	-0.1 %	-0.24 %
Change in Mutual Fund Holding (3 Yrs)	6.44 %	8.93 %	18.26 %

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 0 Infrastructure 0 SME 7.78 Commercial Real Estate 0 Basic Metal and Metal Products 0 Personal loans 0 Commercial Vehicles 9.4 0 NBFC 0 Consumer Bank 0 Home loans 28.08 Services 0 Auto loans 0 Agricultural 0 Metals 0 Consumer Durable 4.91 Corporate Banking 22.3 Small & Medium Enterprises (SME) loans 3.26 Tractor finance 3.92 Gems and Jewellery 0 Housing 0 Agricultural 6.36 Trading 0 Business Banking 9.62 Chemicals 0 Others 4.37	Loan Break-Up 0 Infrastructure 2.78 SME 0 Commercial Real Estate 0 Metals 2.55 Personal Loan 10.64 0 0 NBFC 0 Consumer Bank 0 Home Loans and LAP 0 Services 54.57 Auto loans 0 Agricultural 0 Metals 0 Consumer durable 0 Corporate Banking 0 Small Business& Credit Cards 0 Tractor finance 0 Gems & Jewelry 2.24 Housing 0 Agriculture Division 0 Trading 0 Business Banking 0 Chemicals 0 Others 27.22
Segment Break-Up	Segment Break-Up Consumer Finance 63.06 Corporate Banking 21.26 Treasury Operations 13.26 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 2.42	Segment Break-Up Insurance 16.53 Auto Loans 4.02 Broking 4.43 Treasury Operations 11.73 Consumer Finance 0 Advisory 1.7 Treasury Operations 0 Corporate Banking 23.26 Corporate Banking 0 Asset Management 2.57 Others 35.76	Segment Break-Up Insurance 0 Vehicle Financing 0 Broking 0 Treasury, BMU and Corporate Centre 0 Consumer Finance 0 Advisory and Transactional Services 0 Treasury Operations 0 Corporate I Wholesale Banking 0 Corporate Banking 0 Asset Management 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 97.75 Rest of the World 2.25	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 35.17 Consumer Finance 28.72 Treasury Operations 22.44 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 13.67	Operating Profit Break-Up Insurance 4.18 Auto Loans 2.66 Broking 7.57 Treasury Operations 19.71 Consumer Finance 0 Advisory 1.56 Treasury Operations 0 Lending 1.99 Corporate Banking 0 Asset Management 6.11 Others 56.22	Operating Profit Break-Up Insurance 0 Vehicle Financing 0 Broking 0 Treasury, BMU and Corporate Centre 0 Consumer Finance 0 Advisory and Transactional Services 0 Treasury Operations 0 Other Lending Activities 0 Corporate Banking 0 Asset Management 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 47.0 Corporate 0 Consumer Finance 53.0 Retail 0 SME 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 Financial Institutions & Agencies 0 Borrowings in India- Other Banks 9.85 Banks 0 0 Long Term Infrastructure Bonds 0 Reserve Bank of India 0 0 Borrowings in India- Other Institutions and Agencies 64.35 Borrowings in India- Other Banks 25.8 Borrowings outside India 0	Borrowings Break-Up Financial Institutions & Agencies 0 0 Banks 0 0 Long Term Infrastructure Bonds 3.15 Reserve Bank of India 0 0 0 Borrowings in India- Other Banks 0 Borrowings outside India 40.98 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 63.74 Liquid/ Money Market 18.7 Debt 14.95 ETF 1.18 Fund of Funds 0.59 Balanced schemes 0.49 Gilt 0.3 FMP 0.05 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0	AUM Break-Up - Asset Management Insurance 0 Liquid/ Money Market 14.68 Offshore funds 0 ETF 3.47 Gilt 0 PMS & others 0 Alternate asset 0 Equity 0 Debt 18.14 FMP 0 Fund of Funds 0 Balanced schemes 0 Others 63.71	-
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 14.0 Food & Beverage 9.0 Textiles 7.0 Engineering 6.0 Metal 4.0 Commercial Real Estate 4.0 Iron & Steel 4.0 Chemicals 4.0 Pharmaceutical 3.0 Construction 2.0 Industrial & Commercial 2.0 Basic Materials Others 0 Others 41.0	-	-
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.

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