Axis Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Axis Bank	Kotak Mahindra Bank	AU Small Fin. Bank
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	19.11 %	22.98 %	n/a
% of AUM in equity fund	58.7 %	60.26 %	n/a
AUM - Mutual Funds	369250.96 Crs	594161.59 Crs	n/a
Banks
Gross NPA	1.4 %	1.3 %	n/a
Net NPA	0.42 %	0.31 %	n/a
CASA Ratio	39.0 %	41.3 %	29.0 %
CASA vs Liabilities	0.72 %	30.68 %	23.06 %
Capital to Risks Assets Ratio (CRAR)	16.55 %	23.3 %	19.0 %
Tier I Capital	14.5 %	22.4 %	17.1 %
Tier 2 Capital	2.05 %	0.9 %	1.9 %
Net Interest Margin	3.75 %	4.54 %	5.7 %
Yield On Advances	9.86 %	n/a	13.8 %
Credit Deposit Ratio	91.93 %	88.6 %	89.0 %
Fresh Slippages - Quarterly	6007.0 Crs	1605.0 Crs	791.0 Crs
NBFC
Cost of Borrowing	5.07 %	4.54 %	6.61 %
Cost To Income Ratio	47.1 %	48.3 %	57.2 %
Financials
5 yr Average ROE	12.83 %	14.13 %	21.88 %
5yr average Equity Multiplier	9.73	5.66	8.05
5yr Average Asset Turnover Ratio	0.08	0.12	0.13
5yr Avg Net Profit Margin	14.59 %	20.05 %	21.11 %
5yr Avg Net Profit Margin	14.59 %	20.05 %	21.11 %
5yr CAGR Net Profit	31.28 %	17.24 %	22.55 %
5yr CAGR Sales	14.87 %	13.64 %	64.84 %
5 yr CAGR PPOP	13.18 %	15.44 %	n/a
Price to Book	1.98	2.42	3.93
P/E	15.59	21.6	31.12
Shareholdings
Promoter Holding	8.15 %	25.87 %	22.79 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.04 %	-0.08 %	-2.76 %
Change in Mutual Fund Holding (3 Yrs)	10.26 %	11.35 %	10.98 %

Business

	Axis Bank	Kotak Mahindra Bank	AU Small Fin. Bank
Loan Break-Up	Loan Break-Up Housing 22.52 Agricultural 10.25 Auto loans 5.81 Trading 5.76 Infrastructure 5.13 NBFC 3.79 Commercial Real Estate 3.53 Metals 2.79 Chemicals 2.58 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 Non Priority Sector 0 Priority Sector 0 Others 37.84	Loan Break-Up Metals 0 NBFC 0 Commercial Vehicles 9.12 Small & Medium Enterprises (SME) loans 2.6 Agricultural 5.08 Business Banking 9.99 Home loans 28.79 Tractor finance 3.85 Corporate Banking 22.81 Housing 0 Agricultural 0 Auto loans 0 Non Priority Sector 0 Commercial Real Estate 0 Consumer Durable 5.07 Chemicals 0 Consumer Bank 0 SME 7.77 Priority Sector 0 Infrastructure 0 Trading 0 Others 4.92	Loan Break-Up Metals 0 NBFC 0 0 Small Business& Credit Cards 0 Agriculture Division 0 Business Banking 0 Home Loans and LAP 0 Tractor finance 0 Corporate Banking 0 Housing 0 Agricultural 0 Auto loans 0 Non Priority Sector 39.39 Commercial Real Estate 0 Consumer durable 0 Chemicals 0 Consumer Bank 0 SME 0 Priority Sector 60.61 Infrastructure 0 Trading 0
Segment Break-Up	Segment Break-Up Consumer Finance 62.17 Corporate Banking 21.52 Treasury Operations 13.72 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 Wholesale banking 0 Retail banking 0 Others 2.59	Segment Break-Up Wholesale banking 0 Advisory 0.85 Retail banking 0 Auto Loans 4.01 Asset Management 3.04 Broking 4.16 Corporate Banking 24.74 Treasury Operations 11.57 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Insurance 18.73 Others 32.9	Segment Break-Up Corporate Banking 9.77 Advisory and Transactional Services 0 Consumer Finance 74.15 Vehicle Financing 0 Asset Management 0 Broking 0 Corporate I Wholesale Banking 0 Treasury, BMU and Corporate Centre 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Insurance 0 Others 16.08
Location Wise Break-Up	Location Wise Break-Up India 97.75 Rest of the World 2.25 West Bengal 0 Uttar Pradesh 0 Punjab 0 Andhra Pradesh 0 Gujarat 0 Kerala 0 Tamil Nadu 0 Karnataka 0 Rajasthan 0 Delhi 0 Maharashtra 0	Location Wise Break-Up Maharashtra 0 India 100.0 Punjab 0 Kerala 0 Karnataka 0 Gujarat 0 West Bengal 0 Rajasthan 0 Andhra Pradesh 0 Delhi 0 Uttar Pradesh 0 Rest of the World 0 Tamil Nadu 0	Location Wise Break-Up Maharashtra 16.0 India 0 Punjab 5.0 Kerala 0 Karnataka 2.0 Gujarat 12.0 West Bengal 0 Rajasthan 25.0 Andhra Pradesh 3.0 Delhi 5.0 Uttar Pradesh 3.0 Rest of the World 0 Tamil Nadu 2.0 Others 27.0
Customer Segment	Customer Segment Retail 57.0 Corporate 31.0 SME 12.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 41.2 Consumer Finance 24.21 Treasury Operations 17.8 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 16.79	Operating Profit Break-Up Advisory 0.29 Asset Management 8.64 Auto Loans 3.33 Broking 5.93 Lending 3.01 Treasury Operations 19.2 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Insurance 2.22 Others 57.38	-
Borrowings Break-Up	Borrowings Break-Up Financial Institutions & Agencies 76.3 Borrowings outside India 16.32 Banks 7.38 Reserve Bank of India 0 0 0 Borrowings in India- Other Banks 0 0	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 0 Borrowings in India- Other Institutions and Agencies 68.74 Borrowings in India- Other Banks 7.34 Financial Institutions & Agencies 0 Reserve Bank of India 11.14 Borrowings in India- Other Banks 12.79 Banks 0	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 0 0 0 Financial Institutions & Agencies 0 0 Borrowings in India- Other Banks 0 Banking 3.43 Others 96.57
MSME Loan Break-Up	MSME Loan Break-Up Trade Retail & Wholesale 15.0 Food & Beverage 8.0 Commercial Real Estate 7.0 Textiles 7.0 Engineering 6.0 Iron & Steel 4.0 Pharmaceutical 3.0 Metal 3.0 Chemicals 3.0 Construction 2.0 Industrial & Commercial 2.0 Basic Materials Others 0 Others 40.0	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 61.94 Liquid/ Money Market 18.75 Debt 16.16 ETF 1.62 Fund of Funds 0.85 Balanced schemes 0.45 Gilt 0.19 FMP 0.05 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0	AUM Break-Up - Asset Management ETF 4.39 Gilt 0 Liquid/ Money Market 14.31 Fund of Funds 0 Balanced schemes 0 PMS & others 0 Equity 0 Alternate asset 0 FMP 0 Offshore funds 0 Debt 17.44 Insurance 0 Others 63.86	-
Asset Break-Up	Asset Break-Up India 96.49 Others 3.51	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.99 Priority Sector 37.01 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 44.65 Non Priority Sector 55.35	-

Axis Bank Ltd.

Axis Bank Ltd.

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