Axis Vs SBI (Financial Analysis)

SBI & AXIS Bank
Group 9
Nishad Patil
Poojan Doshi
Nihar Manjrekar
Raja Kundani
Shalinee Sharma
PG12069
PG12081
PG12093
PG12109
PG12117
State Bank of India

Largest nationalized bank in India (PSU)
In terms of assets, number of branches, deposits,
profits and workforce.

Headquarters in Mumbai, India and employs about
205,896 people.
Type Public (BSE/NSE: 500112/SBIN) & (LSE: SBID)
Largest ATM Network in India
Has International presence
Rating by S&P is BBBRating by Moodys D+
AXIS Bank
Axis Bank (Formerly known as UTI) was one of the
few private banks to have began operations in
1994
Headquarters in Mumbai, India and employs
about 33,587 people.
Type Public (BSE/NSE: 532215/AXISBANK) &
(LSE: AXBC)
Second Largest ATM Network in India

Rating by S&P is BBBHas International presence
Rating by Moodys D+
Investment
banking
Commercial
Banking
Credit Cards
Mortgages
Retail
Banking
PRODUCTS
Private
Banking
Pensions
Asset
Management
Banking Industry Trend 2012
Current Share Price
Bank
BSE Share Price
NSE Share Price
Face Value
SBI
Rs. 2083.90
Rs. 2083.95
Rs. 10
AXIS Bank
Rs. 1299.80
Rs. 1300.05
Rs. 10
Shareholding pattern of SBI Vs Axis Bank

AXIS
SBI
2%
8%
9%
33%
9%
27%
62%
50%
Promoter and Promoter Group

Institutions
Non-Institutions
Public
Promoter and Promoter Group

Institutions
Non-Institutions
Public
Cost to Income Ratio =

Operating Expenses
(Net Interest Income + Non Interest Income)
40
38.06
34.99
35
30
28.5528.07
25
33.77
31.32
27.98
26.18
25.03
24.13
SBI
20
Axis Bank
15
10
5
0
2007-08
2008-09
2009-10
2010-11
2011-12
Other Income to Total Income Ratio = Other Income

Total Income
40
33.91
35
30.56
30
25
24.98
26.74
24.70
SBI
20
Axis Bank
15
10
8.83
8.13
8.94
2007-08
2008-09
2009-10
10.58
8.86
5
0
2010-11
2011-12
PAT Margin (%)

18
16
16.92
15.9
14
12
10
8
15.39
13.28
12.08
9.95
9.8
8.7
8.67
7.26
4
2
0
Mar '08
Mar '09
Mar '10
SBI
axis
Mar '11
Mar '12
Net Interest Margin

Net Interest Margin = (Interest Income Interest Expense)
Average Earning Assets
Above assets comprises of advances, investments, balance with RBI and
money at call.
4.50
4.00
3.50
3.47
3.00
2.50
3.75
2.26
3.33
2.5
3.65
3.32
3.85
3.59
2.66
SBI
2.00
Axis Bank
1.50
1.00
0.50
0.00
2007-08
2008-09
2009-10
2010-11
2011-12
Credit to Deposit Ratio = Advances

Deposits
90
81.27
79.08
80
70
65.81
76.11
68.8
71.88
75.69 74.67 77.19 76.3
60
50
SBI
40
Axis Bank
30
20
10
0
2007-08
2008-09
2009-10
2010-11
2011-12
Return on Equity (%)

25
20
19.93
15
17.82
16.09
19.89
15.07
14.04
10
20.13
12.84
21.22
14.36
2007-2008
2008-2009
2009-2010
SBI
AXIS
2010-2011
2011-2012
Return on Asset (%)

1.8
1.6
1.67
1.4
1.2
1
0.8
1.68
1.68
1.44
1.24
1.01
1.04
0.88
0.6
0.88
0.71
0.4
0.2
0
2007-2008
2008-2009
2009-2010
SBI
AXIS
2010-2011
2011-2012
Debt Equity Ratio = Total Debt

Equity
16
14.37
14
12
12.81
10.96
11.49
12.43
12.19
9.99
9.96
10
8.81
9.65
SBI
Axis Bank
6
4
2
0
2007-08
2008-09
2009-10
2010-11
2011-12
Price to Book Value =

Market Price
(Assets Intangible Assets and Liabilities)
3.5
3
2.5
2
SBI
1.5
Axis Bank
1
0.5
0
2007-08
2008-09
2009-10
2010-11
2011-12
Earning per Share

200
180
184.31
160
140
120
100
144.37
143.77
130.16
126.62
82.95
80
65.78
60
40
102.94
50.61
32.15
20
0
2007-2008
2008-2009
2009-2010
SBI
AXIS
2010-2011
2011-2012
Dividend per Share (Rs.)

40
35
35
30
20
30
29
25
30
21.5
15
10
5
0
12
10
14
16
6
2007-2008
2008-2009
2009-2010
SBI
AXIS
2010-2011
2011-2012
Dividend Payout Ratio (%)

25
20
23.49
23.16
20.18
2007-2008
23.05
20.19
22.57
20.78
19.78
20.06
18.15
2008-2009
2009-2010
2010-2011
2011-2012
15
10
5
0
SBI
AXIS
Capital Adequacy Ratio

18
16
13.73
15.8
13.69
12.65
14
12
13.47
14.25
13.66
13.86
13.39
11.98
10
8
6
4
2
0
2007-2008
2008-2009
2009-2010
SBI
AXIS
2010-2011
2011-2012
EXAMPLE OF CAPITAL ADEQUACY

RATIO
Non-performing Assets Ratio

1.85
1.8
1.82
1.78
1.79
1.75
1.72
1.7
SBI
1.65
Axis Bank
1.63
1.6
1.55
1.5
2007-08
2008-09
2009-10
2010-11
2011-12
Cash Flows from Operations

40000
30000
20000
10000
SBI
0
2007-08
-10000
-20000
-30000
-40000
2008-09
2009-10
2010-11
2011-12
Axis
Cash Flows from Investing Activities

0
2007-08
2008-09
2009-10
2010-11
2011-12
-2000
-4000
-6000
-8000
-10000
-12000
-14000
-16000
SBI
Axis Bank
Cash Flows from Financing Activities

25000
20000
15000
SBI
10000
Axis Bank
5000
0
2007-08
-5000
2008-09
2009-10
2010-11
2011-12
THANK YOU

Axis Vs SBI (Financial Analysis)

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SBI & AXIS Bank

State Bank of India

profits and workforce.

Second Largest ATM Network in India

Banking Industry Trend 2012

Current Share Price

BSE Share Price

NSE Share Price

Shareholding pattern of SBI Vs Axis Bank

Promoter and Promoter Group

Promoter and Promoter Group

Cost to Income Ratio =

Other Income to Total Income Ratio = Other Income

PAT Margin (%)

Net Interest Margin

Credit to Deposit Ratio = Advances

75.69 74.67 77.19 76.3

Return on Equity (%)

Return on Asset (%)

Debt Equity Ratio = Total Debt

Price to Book Value =

Earning per Share

Dividend per Share (Rs.)

Dividend Payout Ratio (%)

Capital Adequacy Ratio

EXAMPLE OF CAPITAL ADEQUACY

Non-performing Assets Ratio

Cash Flows from Operations

Cash Flows from Investing Activities

Cash Flows from Financing Activities

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