CAPITAL ADEQUACY RATIO:

YEAR

2012

2013

COMMON
EQUITY
(CET1)

2014

2015

2016

366998

428666

518053

ADDITIONAL
TIER 1
CAPITAL (AT1)

2523

T1=(CET1+AT1)

218861.1

315968

366998

428666

520576

T2= TIER 2
CAPITAL

97588.4

123343.2

102044

107881

115224

TOTAL RISK
WEIGHTAGE
CET1 CAR

2317113.9

2583554.9

2878256

3530688

4125114

12.7%

12.14%

12.55%

T1 CAR

9.45%

12.23%

12.7%

12.14%

12.61%

T2 CAR

4.21%

4.77%

3.5%

3.05%

2.79%

CAPITAL
ADEQUACY
RATIO(CAR)

13.66%

17%

16.3%

15.2%

15.41%

CAPITAL ADEQUACY RATIO (CAR)

18.00%
16.00%
14.00%
12.00%

CAPITAL ADEQUACY RATIO

(CAR)

10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
2012

2013

2014

2015

2016

INTERPRETATION:
The minimum percentage of risk weighted assets according to BASEL III is
5.5% of Common equity tier 1 and 7% for total tier 1and 9% for the capital
adequacy ratio.
Capital adequacy ratio of the AXIS Bank was well with 15.41f% or the year
2015 16, above 9% which is the minimum requirement of CAR for a bank
(specified by RBI).
Higher the ratio the banks are in a comfortable position to absorb losses.
Hence axis bank is in comfortable position to absorb the losses.

TOTAL ASSET TO TOTAL ADVANCES:

YEAR

2012

2013

2014

2015

2016

TOTAL
ADVANCES

169759538
6

169901405

232381727
3

284486456

344663315
6

TOTAL
ASSETS

285416509
8

340557316

386350059
3

467242975
3

532033211
8

59.47%

49.89%

60.15%

60.88%

64.78%

TOTAL ASSETS TO TOTAL ADVANCES RATIO

70.00%
60.00%
50.00%
TOTAL ASSETS TO TOTAL
ADVANCES RATIO

40.00%
30.00%
20.00%
10.00%
0.00%
2012

2013

2014

2015

2016

INTERPRETATION:
Interpretation:
Total Advance to Total Asset Ratio shows that how much amount the bank
holds against its assets.
Here in AXIS Bank, from 2012 to 2016 this ratio is continuously increased
because increase in advances is more than increase in total assets which
shows growth in investment and that is good sign for the bank.

GROSS AND NET NPA

YEAR

2012

2013

2014

2015

2016

GROSS NPA

18063

23934.2

31464

41102

60875

NET NPA

4726.4

7041.3

10246

13167

25221

TOTAL LOAN

1697595.38
6

1969901.40
5

2323817.27
3

2844486.45
6

3446633.15
6

1.06%

1.22%

1.35%

1.44%

1.77%

0.278%

0.357%

0.41%

0.463%

0.732%

GROSS AND NET NPA RATIOS

3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2012

2013

2014
GROSS NPA

2015

2016

NET NPA

INTERPRETATION:
GROSS NPA:
This ratio is used to check whether the bank's gross NPAs are increasing
quarter on quarter or year on year. If it is, indicating that the bank is
adding afresh stock of bad loans.
It would mean the bank is either not exercising enough caution when
offering loans or is too lax in terms of following up with borrowers on
timely repayments.
In 2012, AXIS Banks gross NPA is 1.06% and in 2016 its Gross NPA
is1.75%. It means this ratio in AXIS Bank is maintained year by year to
keep it as low as possible because AXIS Bank takes enough care of money.
NET NPA:
Net NPAs reflects the performance of banks. A high level of NPAs suggests
high probability of a large number of credit defaults that affect the
profitability and net-worth of banks and also wear down the value of the
asset. Loans and advances usually represent the largest asset of most of
the banks. It monitors the quality of the banks loan portfolio. The higher
the ratio, the higher the credits risk.
Above ratios show the fluctuation of NPA of AXIS Bank during the last 5
years. The bank has lowest net NPA is 0.28% in 2011-12. Net NPA is
continuously maintained below 1% from 2012 to2016. So it is good for the
bank to decrease in NPA. Because of decrease in NPA the risk of bad loans
are also decreased

ASSET TURNOVER RATIO:

YEAR

2012

2013

2014

2015

2016

REVNUE

274820913

340347791

385022089

445655709

513642255

TOTAL
ASSETS

285416509
8

340557731
6

386350059
3

467242973
3

532033211
8

9.62%

9.99%

9.96%

9.53%

9.65%

ASSET TURNOVER RATIO

10.10%
10.00%
9.90%
9.80%

ASSET TURNOVER RATIO

9.70%
9.60%
9.50%
9.40%
9.30%
2012

2013

2014

2015

2016

INTERPRETATION:
Asset turnover measures a firm's efficiency at using its assets in
generating revenue - the higher the number the better.
From the above information, it is clear that the asset turnover ratio of axis
bank is increasing every year

TOTAL ADVANCES TO TOTAL DEPOSIT:

YEAR

2012

2013

2014

2015

2016

TOTAL
ADVANCES

1697595.38
6

1969901.40
5

2323817.27
3

2844486.45
6

3446633.15
6

TOTAL
DEPOSIT

2199876.80
5

2521491.17
7

2805410.73
8

3222441.7

3583021.93
2

77.16%

78.12%

82.83%

88.27%

96.62%

TOTAL ADAVANCES TOTAL DEPOSIT RATIO

120.00%
100.00%
80.00%

TOTAL ADAVANCES TOTAL

DEPOSIT RATIO

60.00%
40.00%
20.00%
0.00%
2012

2013

2014

2015

2016

INTERPRETATION:
This ratio shows the investment of the bank through approving the loans
against accepting the loan. In AXIS Bank, the ratio is continuously
increasing year by year from 77.16% to 96.62% in year 2012 to 2015.
This shows good sign of the bank, if it will be increased more, than it may
be risky for the bank.

RETURN ON ASSET:
YEAR

2012

2013

2014

2015

2016

NET PROFIT

42185106

52337924

63091652

74484815

83575842

TOTAL
ASSET

285416509
8

340557731
6

386350059
3

467242973
3

532033211
8

1.48%

1.53%

1.63%

1.59%

1.57%

RETURN ON ASSETS
1.65%
1.60%
1.55%

RETURN ON ASSETS

1.50%
1.45%
1.40%
2012

2013

2014

2015

2016

INTREPRETATION:
Return on Asset Ratio shows that how much return bank can get from
their total asset. Higher the ratio is good for the bank. Because if ratio is
higher than we can say that the return of bank is high.
In AXIS Bank, we can see that in 2012 this ratio is 1.48% and it
has increased in 2015 to 1.57%. The main reason for this major change in
the ratio is increment in Net profit and change in Assets.

NET PROFIT TO AVEARAGE ASSET:

YEAR

2012

2013

2014

2015

2016

NET PROFIT

42185106

52337924

63091652

74484815

83575842

AVERAGE
ASSET

155170582
5

313094225
9

363453895
5

422588641
2

493700006
2

2.7%

1.67%

1.74%

1.76%

1.69%

NET PROFIT TO AVERAGE ASSETS

3.00%
2.50%
2.00%

NET PROFIT TO AVERAGE

ASSETS

1.50%
1.00%
0.50%
0.00%
2012

2013

2014

2015

2016

INTERPRETATION:
Net profit to average asset indicates the efficiency of the banks in utilizing
their assets in generating profits. A higher ratio indicates the better
income generating capacity of the assets and better efficiency of
management.
In Axis bank this ratio as continuously maintain their ratio around efficient
mark even there was a sudden decline of ratio in the year 2012-13.

CREDIT DEPOSIT RATIO:

YEAR

2012

2013

2014

2015

2016

LOANS

1697595.38
6
2199876.80
6
77.17%

1969901.40
5
2521491.17
7
78.12%

2323817.27
3
2805410.73
8
82.83%

2844486.45
6
3222441.70
0
88.27%

3446633.15
6
3583021.93
2
96.19%

DEPOSITS

CREDIT DEPOSIT RATIO

120.00%
100.00%
80.00%
CREDIT DEPOSIT RATIO
60.00%
40.00%
20.00%
0.00%
2012

2013

2014

2015

2016

LIQUIDITY ASSETS TO TOTAL ASSETS:

YEAR

2012

2013

2014

2015

2016

LIQUIDITY
ASSETS
TOTAL
ASSETS

204513921

278022061

384282957

607848419

611645216

285416509
8
7.165%

340557731
6
8.164%

386350059
3
9.946%

467242973
3
13.01%

532033211
8
11.49%

LIQUIDITY ASSETS TO TOTAL ASSETS RATIO

14.00%
12.00%
10.00%
LIQUIDITY ASSETS TO
TOTAL ASSETS

8.00%
6.00%
4.00%
2.00%
0.00%
2012

2013

2014

2015

2016