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Axis Bank Ltd.

Large Cap

Evaluated by 6394 users |

BSE

: 532215 |

NSE

: AXISBANK |

Bank - Private

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The valuation guidance of this company is based on Consolidated basis.
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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
10 Year X-Ray
MoneyWorks4me Colour Coding
 Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13
Net Interest Income (Rs. Cr.)0001,4682,5853,6805,0066,5668,0269,689
Y-o-Y Gr. Rt.-NANANA76.1%42.4%36%31.2%22.2%20.7%
Total Income0005,4728,80113,74515,60319,82627,48234,035
Y-o-Y Gr. Rt.-NANANA60.9%56.2%13.5%27.1%38.6%23.8%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
00023.2329.6150.561.1681.35102.12114.27
Y-o-Y Gr. Rt.-NANANA27.5%70.6%21.1%33%25.5%11.9%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
000120.32244.66283.97394.62460.23548.92708.58
Y-o-Y Gr. Rt.-NANANA103.3%16.1%39%16.6%19.3%29.1%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0000.891.161.411.511.581.61.67
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0000.720.420.40.40.290.270.36
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 17%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest IncomeNA30.2%24.6%20.7%
Total IncomeNA31.1%29.7%23.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NA31%23.2%11.9%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
NA23.7%21.5%29.1%
 
RATIOS \ YEARSMar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13
Interest Earned / Total Income00081.5479.5978.7974.5976.4480.0379.92
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)0002.082.442.582.852.792.92.93
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)00019.3117.4519.1418.9319.1820.2918.75
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 00039.8645.6843.1446.7341.1141.5544.41
Management Assessment
Management Assessment
An assessment of the trustworthiness of the management based on 5 important parameters. These parameters are colour coded as
Green (Very Good), Orange (Somewhat Good) and Red (Not Good)
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Corporate Governance
Corporate Governance
This refers to a set of processes or laws that affects the way a company is directed and controlled.
Board Credentials
Board credentials
This refers to the skill sets (qualification, experience, etc.) that the management team of a company possesses.
Promoter's holding
Promoter's holding
This refers to the stake that the promoters hold in a company and proportion of shares pledged.
Transparency
Transparency
Transparency refers to the practices that a company follows in the disclosure of important and necessary information.
Integrity
Integrity
Integrity refers to the application of honest and fair business practices.

Percentage Holding
29.54%
58.81%
8.39%
3.26%

Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)

Axis Bank’s 5 years CAGR (Compounded Annual Growth rates) of net interest income is 40.45%, increased from Rs. 577.09 Cr. in FY 04 to Rs. 9,666 Cr. in FY 13. Its CASA, the source of low cost funds, was 44% for the year ended 31st March’ 13; among the highest. The high interest income and the low cost, because of high CASA, have helped the Bank maintain an average net interest margin at a level of 3.53%. The Bank’s 5 years CAGR of book value per share is 3 ... Read more

Axis Bank’s 5 years CAGR (Compounded Annual Growth rates) of net interest income is 40.45%, increased from Rs. 577.09 Cr. in FY 04 to Rs. 9,666 Cr. in FY 13. Its CASA, the source of low cost funds, was 44% for the year ended 31st March’ 13; among the highest. The high interest income and the low cost, because of high CASA, have helped the Bank maintain an average net interest margin at a level of 3.53%. The Bank’s 5 years CAGR of book value per share is 35.47%, from Rs. 49.07 in FY 04 to Rs. 707.5 in FY 13.

In the last year, bank’s ROA was 1.7%, well above the benchmark of 1.25%. It has also kept its net non-performing assets to net advances ratio, significantly below 0.5%, which shows its asset quality is very good. At the end of Financial Year 2011, its capital adequacy ratio was at 17%; well above the RBI guideline of 9%.

Looking at its robust historical performance, we conclude that the 10 YEAR X-RAY of Axis Bank is Green (Very Good).

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