PROJECT REPORT ON AXIS BANK PPT.

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A PROJECT REPORT ON “RATIO ANALYSIS OF AXIS BANK” Submitted to Rashtrasant Tukdoji Maharaj Nagpur University Nagpur In the partial fulfillment of Bachelor of Business Administration (BBA-III) (Finance) 2012-2013 Under the Guidance of Miss. Priyanka Tiwari Submitted by Sagar Borje Devkant Sharma Through Dhruv College of Commerce & Management, IC Square, Hingna Road, Nagpur. Badhti Ka Naam Zindagi

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INTRODUCTION RATIO ANALYSIS:- Meaning of Ratio: - A ratio is simple arithmetical expression of the relationship of one number to another . It may be defined as the indicated quotient of two mathematical expressions. According to Accountant’s Handbook by Wixom, Kelly and Bedford, “a ratio is an expression of the quantitative relationship between two numbers”. Ratio Analysis : - Ratio analysis is the process of determining and presenting the relationship of items and group of items in the statements. "According to Batty J. Management Accounting “Ratio can assist management in its basic functions of forecasting, planning coordination, control and communication”.

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Type Private Traded as AXISBANK Industry Banking, Financial services Founded 1994 (As UTI Bank) Headquarters Mumbai , Maharashtra , India Key people Adarsh Kishore( Chairman ) Shikha Sharma( MD & CEO ) Products Credit cards , consumer banking , corporate banking , finance and insurance , investment banking , mortgage loans , private banking , private equity , wealth management Revenue 198.26 billion ( US$ 3.61 billion) (2011) Net income 33.44 billion ( US$ 608.61 million) (2011) Total assets 2.42566 trillion ( US$ 44.15 billion) (2011) Employees 21,640 (2010) Website www.axisbank.com

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AXIS BANK The AXIS Bank is a leading private sector bank and financial services company in India offering a wide range of products and services to corporate and retail customers through a variety of delivery channels. Since commencing operations in April 1994 the Bank has grown both in terms of its physical network of branches, extension counters and ATMs, as well as in terms of the size of asset base. The Bank's ATM network of 3,595 ATMs is the third largest in the country. The Bank has a wide presence through its 835 Branches & Extension Counters across 515 cities and towns across India . AXIS Bank Corporate Office The Axis Bank Corporate Office in Mumbai (also known as the Axis House), received the ‘Platinum’ rating by the US Green Building Council for its environment friendly facilities and reduction of carbon emission.

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2. International Branches Singapore Hong Kong Dubai Shanghai Colombo 3. Products Savings Account Easy Access Savings Account Prime Savings Account Corporate Salary Account Defense Salary Account Defense Salary Account Current Account Business Prime Business Advantage Current Account Business Select Current Account Business Classic Current Account Business Global Current Account Business Global Current Account

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4.Investment Products Gold and Silver Mohur Mutual Funds Life Insurance General Insurance Gold And Silver Mohur Certified Gold and Silver bars. Mutual Funds Axis Bank offers options from 12 mutual fund companies . Life Insurance Axis Bank has a corporate agency agreement with Max Life , one of the most reputed Life Insurance companies in India.

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General Insurance Axis Bank has a Corporate Agency partnership with TATA AIG General Insurance to distribute General Insurance products . The various General Insurance products available for sale at Axis Bank branches are: Health Insurance Motor Insurance Jewellery Insurance Personal Accident Cover Home Insurance Travel Insurance

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4.2 Loans Home Loans Car Loans Personal Loans Loans Against Property Loans Against Share Loans Against Securities Loans Against Gold 4.3 Cards Titanium Smart Traveler Credit Cards Platinum Advantage Credit Card Visa Signature Credit Card Visa Infinite Credit Card

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4.4 Agri Business Loans Kisan Power Power Gold Kisan power Kisan Power aims at providing adequate and timely credit to farmers for various needs. It gives farmers the flexibility to choose between cash , credit and term loans with friendly repayment terms. Power Gold Power Gold gives easy loans up to 15, 00,000 to individuals engaged in agriculture or allied activities, against the pledge of Gold ornaments.

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The Business Gaurav SME Awards In 2011-12, Axis Bank set up 6 SME centers and SME cells each across the country, taking the total number to 32 SME Centers. The Bank also organized the ‘Business Gaurav SME Awards ’ in association with Dun & Bradstreet to recognize and award achievements in the SME space. Awards and Recognitions In year 2011-12 Bank of the Year – India The Banker Awards 2011. Best Bank - Private Sector NDTV Profit Business Leadership Awards. Best Bank 2011 Outlook Money. Brand Excellence Award 2011 (BFSI) Star News. The Most Consistent Large Bank Best Banks-2011. Most Productive Private Sector Bank FIBAC 2011 Banking Awards. 3rd Strongest Bank in Asia-Pacific Region Asian Banker. The Best Domestic Bank- India The Asset Triple A Country Awards 2011. Best Risk Master (Private Sector Category) FIBAC 2011 Banking Awards. Best Bond House India -2011 Finance Asia.

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BOARD OF DIRECTORS NAME DICLERATION Adarsh Kishore Chairman / Chair Person Rama Bijapurkar Director V R Kaundinya Director Prasad R Menon Director Samir K Barua Director Som Mittal Director Somnath Sengupta Executive Director Shikha Sharma Managing Director & CEO K N Prithviraj Director S B Mathur Director R N Bhattacharyya Director A K Dasgupta Director V Srinivasan Executive Director Ireena Vittal Addnl. & Ind.Director

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CLASSIFICATION OF RATIO Ratio may be classified into the four categories as follows: Liquidity Ratio a.      Current Ratio b.     Quick Ratio or Acid Test Ratio or Liquid Ratio Leverage or Capital Structure Ratio a.      Debt Equity Ratio b.     Debt to Total Fund Ratio c.     Proprietary Ratio d.     Fixed Assets to Proprietor’s Fund Ratio e.      Capital Gearing Ratio f.       Interest Coverage Ratio Activity Ratio or Turnover Ratio a.      Stock Turnover Ratio b.     Debtors or Receivables Turnover Ratio c.     Average Collection Period d.     Creditors or Payables Turnover Ratio e.      Average Payment Period f.       Fixed Assets Turnover Ratio g.     Working Capital Turnover Ratio Profitability Ratio or Income Ratio ( A) Profitability Ratio based on Sales : a. Gross Profit Ratio b. Net Profit Ratio c. Operating Ratio d. Expenses Ratio (B) Profitability Ratio Based on Investment: I.       Return on Capital Employed II.      Return on Shareholder’s Funds: a.      Return on Total Shareholder’s Funds b.     Return on Equity Shareholder’s Funds c.     Earning Per Share d.     Dividend per Share e.      Dividend Payout Ratio f.       Earning and Dividend Yield g.     Price Earnings Ratio

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Sr. No. RATIO Units 1. Current Ratio= :1 or Times 2. Quick/ Liquid Ratio = or :1 or Times 3. Debt Equity Ratio = Times 4. Stock Turnover Ratio = Times 5. Debtor Turnover Ratio = Times 6. Creditors Turnover Ratio = Times RATIO TABLE

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7. Average Collection Period = Or Days 8. Average Payment Period = Or Days 9. Fixed Assets Turnover Ratio = Times 10. Working Capital Turnover Ratio = Times 11. Gross Profit Ratio = % 12. Net Profit Ratio = %

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13. Operating Net Profit = % 14. Operating Ratio = % 15. Expenses Ratio = % 16. Earnings per Share = Times 17. Dividend per Share = %

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OBJECTIVES Ratio has been defined that technique that is possibly used to facilitate the comparison of significant figures thereby expressing the relationship in form of percentage. The objectives therefore included: The main objectives are to study of different ratio used in Axis Bank to know financial performance based on ratio. To know the financial position of the axis bank. To provide in formulation for making time series analysis. I.e. comparison of banks presents ratios & past ratios. To interpret the financial ratios of the bank & give proper suggestion for its improvement.

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RESEARCH METHODOLOGY Research Methodology:- Research methodology is a way to systematically solve the research problem. The research methodology using for find out the solution of the research problem is analytical research methodology and some extend descriptive research methodology. Method of Data Collection PRIMARY DATA COLLECTION :- Primary data are those which are collected for the first time. They are original in character. They are collected by the researcher for the first time of his own use. The main tools for collection of data will be collection through internal as well as external source. SECONDARY DATA COLLECTION :- Secondary data are those which have already been collected by others. When it is not possible to collected data in primary form, the research may the help of secondary data. They are those which have already been collected with some other view in mind. They are collected for serving the objectives other for than what the researcher might have in his mind.

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The sources of secondary data include:- Books Magazines Internet Newspaper Annual Report Period of study:- The period of the Ratio study is 5 years. i.e. (2008-2012). Company 5 years data has been taken for the analysis. Techniques:- The technique used in the analysis of the company is excel sheets, graphs and tables of financial statement for example balance sheet, profit loss a/c, cash flow statement, dividend per share, ratio analysis, valuation ratio etc.

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DATA ANALYSIS & INTERPRETATION CALCULATION OF LIQUIDITY & INVESTMENT VALUATION RATIOS (Rs. In Crors)

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CALCULATION OF PROFITABILITY RATIO (Rs. In Crors)

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CALCULATION OF MANAGEMENT EFFICIENCY RATIOS (Rs. In Crors)

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CALCULATION OF BALANCE SHEET, PROFIT & LOSS A/C & EARNINGS PER SHARE RATIOS (Rs. In Crors)

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CONCLUSION According to financial Ratio analysis of Axis bank its performance in the private bank is good and expected to grow further in the near future which is a good sign for investment. Earnings per Share and dividend both are increasing year to year. The Financial Ratio analysis is a process of evaluating the financial statements to obtain a better understanding of the Bank‘s position and performance. Financial Ratio analysis is the process of selection, relation and evaluation. The first task of financial analyst is to select the information from the financial statements. The second step is to arrange the information in a way to highlight significant relationships. The final step is interpretation and drawing of inferences and conclusions. The financial year 2011 the Current Ratio is decrease by 0.02 %.

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SUGGETION The analysis carried out at on the Axis Bank, their profit and loss account, balance sheet and ratios. I shall suggest the investors to invest in Axis Bank than the other banks as a value investment. Reasons : Largest private sector bank in India. Strong increase in profit year-on-year basis. Increasing EPS indicate good earnings. Increase in sharing profit with shareholders in form of dividend. Axis Bank is expanding its footholds on international level also; its Insurance and asset management business are also performing well.

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THANK YOU From, Sagar Borje & Devkant Sharma

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