Axis Bank Ltd.

Financial

	Axis Bank	ICICI Bank	HDFC Bank
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	24.65 %	17.6 %	n/a
AUM - Mutual Funds	292146.65 Crs	776522.85 Crs	n/a
% of AUM in equity fund	63.22 %	53.24 %	n/a
Banking Sector
CASA Ratio	41.0 %	38.9 %	38.2 %
CASA vs Liabilities	29.66 %	23.75 %	22.53 %
Credit Deposit Ratio	90.31 %	87.34 %	107.95 %
Capital to Risks Assets Ratio (CRAR)	16.63 %	16.33 %	18.8 %
Tier I Capital	14.2 %	15.6 %	16.8 %
Tier 2 Capital	2.43 %	0.73 %	2.0 %
Net Interest Margin	4.06 %	4.4 %	3.63 %
Yield On Advances	8.5 %	9.88 %	8.4 %
Gross NPA	1.43 %	2.16 %	1.24 %
Net NPA	0.31 %	0.42 %	0.33 %
Fresh Slippages - Quarterly	3471.0 Crs	5139.0 Crs	7000.0 Crs
NBFC
Cost To Income Ratio	46.9 %	39.2 %	41.3 %
Cost of Borrowing	5.43 %	5.05 %	4.9 %
Financials
5 yr Average ROE	10.03 %	12.57 %	16.81 %
5yr average Equity Multiplier	10.11	10.16	8.65
5yr Average Asset Turnover Ratio	0.08	0.1	0.09
5yr Avg Net Profit Margin	11.46 %	11.05 %	20.42 %
5yr Avg Net Profit Margin	11.46 %	11.05 %	20.42 %
5yr CAGR Net Profit	70.1 %	51.57 %	15.55 %
5yr CAGR Sales	11.5 %	7.23 %	10.52 %
5 yr CAGR PPOP	10.4 %	13.8 %	12.03 %
Price to Book	2.47	3.27	2.88
P/E	14.68	18.93	20.55
Shareholdings
Promoter Holding	8.22 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.36 %	0.0	-25.97 %
Change in Mutual Fund Holding (3 Yrs)	4.94 %	3.66 %	10.19 %

Business

	Axis Bank	ICICI Bank	HDFC 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 Services 0 Advances to industries eligible 0 Others 33.76	Loan Break-Up Auto loans 7.7 Metals 0 NBFC 0 Corporate-Domestic 21.3 Infrastructure 0 Credit Cards 4.2 Trading 0 Agricultural 0 Business Banking 7.7 Commercial Real Estate 0 Auto loans 0 Chemicals 0 Personal Loan 9.6 Housing 0 Small & Medium Enterprises (SME) loans 5.0 Advances to industries eligible 0 Services 0 Rural Finance 8.3 Loan Against Property 32.6 Overseas 2.8 Others 0.8	Loan Break-Up Vehicle loans 0 Metals 0 NBFC 0 Corporate-Domestic 0 Infrastructure 0 Credit cards 0 Trading 0 Agricultural 0 Business banking 0 Commercial Real Estate 0 Auto loans 0 Chemicals 0 Personal Loan 28.94 Housing 0 SME-Domestic 0 Advances to industries 28.66 Services 33.36 Rural loans 0 Mortgage loans 0 Overseas book 0 Others 9.04
Segment Break-Up	Segment Break-Up Consumer Finance 60.24 Corporate Banking 21.62 Treasury Operations 15.46 General insurance 0 Life insurance 0 Wholesale banking 0 Retail banking 0 Insurance Business 0 Others 2.68	Segment Break-Up Life Insurance Business 16.0 Insurance Business 0 Corporate Banking 17.03 Consumer Finance 32.85 Corporate Banking 0 Consumer Finance 0 General insurance 0 Treasury Operations 0 Others 34.12	Segment Break-Up Life insurance 0 Insurance Business 17.47 Corporate Banking 27.47 Consumer Finance 36.67 Corporate Banking 0 Consumer Finance 0 General insurance 0 Treasury Operations 0 Others 18.39
Location Wise Break-Up	Location Wise Break-Up India 97.98 Rest of the World 2.02	Location Wise Break-Up India 97.2 Rest of the World 2.8	Location Wise Break-Up India 98.87 Rest of the World 1.13
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 33.92 Corporate Banking 32.13 Treasury Operations 21.49 Insurance Business 0 Wholesale Banking 0 Others 12.46	-	Operating Profit Break-Up Insurance Business 7.28 Wholesale Banking 20.69 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 72.03
Customer Segment	Customer Segment Retail 60.44 Corporate 28.71 SME 10.85	-	-
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 Financial Institutions 0 0 0	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 2.81 Financial Institutions 0 Capital instruments 0 0 Outside India 23.53 Bonds & Debentures 26.81 Borrowings outside India 0 Bonds and notes 0 Deposits 1.94 Commercial Papers 5.18 Financial Institutions & Agencies 0 0 Banks 0 Reserve Bank of India 1.0 Others 38.73	Borrowings Break-Up Unsecured redeemable debentures/bonds 0 Other Institutions & Agencies 37.34 Capital instruments 0 Bonds & Debentures 18.17 Outside India 0 0 Borrowings outside India 23.01 Bonds and notes 0 Deposits 0 Commercial paper 0 Financial Institutions & Agencies 0 Upper and lower Tier II capital and innovative perpetual debts 11.13 Banking 6.84 Reserve Bank of India 3.52
Asset Break-Up	Asset Break-Up India 96.14 Others 3.86	-	Asset Break-Up India 97.5 Others 2.5
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 63.59 Liquid/ Money Market 17.62 Debt 15.94 ETF 1.29 Fund of Funds 0.68 Balanced schemes 0.57 FMP 0.16 Gilt 0.1 Equity 0 Others 0.05	AUM Break-Up - Asset Management Equity 53.1 FMP 0 Liquid/ Money Market 10.0 ETF 8.07 Debt 19.13 Gilt 0 Balanced schemes 4.59 Fund of Funds 0 Others 5.11	-
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 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non-Priority 0 Priority 0 Priority Sector 27.21 Non Priority Sector 72.79 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 66.64 Priority Sector 33.36 Priority sector 0 Non-priority sector 0 Priority Sector 0
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 15.0 Food & Beverage 9.0 Textiles 8.0 Engineering 6.0 Commercial Real Estate 5.0 Metal 4.0 Iron & Steel 4.0 Chemicals 4.0 Pharmaceutical 3.0 Industrial & Commercial 3.0 Construction 2.0 Basic Materials Others 0 Others 37.0	-	-

Axis Bank Ltd.

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