Axis Bank Ltd (AXSB IN) - By Measure

In Millions of INR except Per Share FY 2012 FY 2013 FY 2014

12 Months Ending 03/31/2012 03/31/2013 03/31/2014
Revenue 668,432.2 100.0% 340,347.8 100.0% 385,022.1 100.0%
Retail Banking 59,633.7 21.7% 87,928.9 25.8% 110,891.8 28.8%
Corporate Banking 141,063.2 51.3% 160,932.1 47.3% 158,642.3 41.2%
Treasury 69,950.5 25.5% 85,806.5 25.2% 108,059.0 28.1%
Other Banking Business 4,173.5 1.5% 5,680.3 1.7% 7,429.0 1.9%
Inter Segment Revenue 393,611.3 — —
Intersegment Revenue — — —
Treasury — — —
Retail Banking — — —
Corporate Banking — — —
Other Banking Business — — —
Revenue Including Intersegment Revenu — — —
Treasury — — —
Retail Banking — — —
Corporate Banking — — —
Other Banking Business — — —
Interest Expense — — —
Treasury — — —
Retail Banking — — —
Corporate Banking — — —
Other Banking Business — — —
Interest Income — — —
Retail Banking — — —
Corporate Banking — — —
Treasury — — —
Other Banking Business — — —
Segment Profit 62,699.9 100.0% 76,245.9 100.0% 94,794.2 100.0%
Treasury 8,352.8 13.3% 10,146.9 13.3% 23,499.6 24.8%
Retail Banking -163.9 -0.3% 5,382.7 7.1% 5,948.8 6.3%
Other Banking Business 2,713.4 4.3% 3,715.7 4.9% 5,746.1 6.1%
Corporate Banking 51,797.6 82.6% 57,000.6 74.8% 59,599.7 62.9%
Assets 2,854,165.1 100.0% 3,405,577.3 100.0% 3,863,500.6 100.0%
Corporate Banking 1,176,519.9 41.4% 1,283,536.7 37.9% 1,340,962.4 34.9%
Retail Banking 582,824.8 20.5% 753,193.5 22.2% 1,068,839.3 27.8%
Treasury 1,080,801.3 38.0% 1,351,060.4 39.8% 1,430,309.7 37.2%
Unallocated 11,690.0 14,763.3 18,973.0
Other Banking Business 2,329.1 0.1% 3,023.4 0.1% 4,416.2 0.1%
Liabilities 2,627,348.0 100.0% 3,073,868.2 100.0% 3,479,540.1 100.0%
Retail Banking 942,079.1 36.0% 1,160,983.2 37.9% 1,511,449.8 43.6%
Treasury 1,164,455.1 44.5% 1,267,024.5 41.4% 1,251,460.4 36.1%
 Corporate Banking 512,602.4 19.6% 635,060.2 20.7% 703,905.8 20.3%
Unallocated 7,877.4 10,426.0 12,179.4
Other Banking Business 334.0 0.0% 499.7 0.0% 544.7 0.0%
Reconciliation — -125.4 —
Capital Employed 22.3 100.0% 331,583.7 100.0% —
Unallocated — 4,337.3 —
Other Banking Business 0.2 0.9% 2,523.7 0.8% —
Corporate/Wholesale Banking 66.4 297.7% 648,476.5 198.2% —
Retail Banking -35.9 ### -407,789.7 ### —
Treasury -8.4 -37.5% 84,035.9 25.7% —
Depreciation and Amortization 3,481.5 100.0% 3,587.7 100.0% 3,754.6 100.0%
Retail Banking 2,208.0 63.4% 2,477.4 69.1% 2,606.3 69.4%
Corporate Banking 987.7 28.4% 848.0 23.6% 977.3 26.0%
Other Banking Business 79.1 2.3% 87.1 2.4% 41.7 1.1%
Treasury 206.7 5.9% 175.2 4.9% 129.3 3.4%
Capital Expenditures -3,397.1 -4,212.2 -6,485.9
Treasury -203.0 6.0% -207.9 4.9% -236.4 3.6%
Other Banking Business -73.3 2.2% -93.7 2.2% -76.0 1.2%
Corporate Banking -970.8 28.6% -994.8 23.6% -1,738.1 26.8%
Retail Banking -2,150.0 63.3% -2,915.8 69.2% -4,435.4 68.4%
Net Interest Income — 96,885.9 100.0% —
Other Banking Business — 0.3 0.0% —
Gross Interest Income - External — 0.3 0.0% —
Corporate/Wholesale Banking — 60,532.4 62.5% —
Interest Expense - Inter Segment — -101,133.5 ### —
Interest Expense - External — -2,981.7 -3.1% —
Gross Interest Income - Inter Segment — 33,716.4 34.8% —
Gross Interest Income - External — 130,931.2 135.1% —
Retail Banking — 38,800.2 40.0% —
Interest Expense - External — -68,253.8 -70.4% —
Gross Interest Income - Inter Segment — 93,740.5 96.8% —
Interest Expense - Inter Segment — -58,077.6 -59.9% —
Gross Interest Income - External — 71,391.1 73.7% —
Treasury — -2,447.0 -2.5% —
Interest Expense - Inter Segment — -299,372.2 ### —
Interest Expense - External — -103,898.4 ### —
Gross Interest Income - Inter Segment — 331,126.4 341.8% —
Gross Interest Income - External — 69,697.2 71.9% —
Source: Bloomberg
 FY 2015 FY 2016 FY 2017 FY 2018
03/31/2015 03/31/2016 03/31/2017 03/31/2018
445,655.7 100.0% 513,642.3 100.0% 575,966.9 100.0% 584,766.8 100.0%
143,226.3 32.1% 173,228.7 33.7% 203,656.6 35.4% 235,525.4 40.3%
174,905.8 39.2% 192,086.4 37.4% 197,863.2 34.4% 187,643.9 32.1%
118,674.1 26.6% 137,506.4 26.8% 161,523.5 28.0% 147,265.3 25.2%
8,849.5 2.0% 10,820.8 2.1% 12,923.6 2.2% 14,332.2 2.5%
— — — —
— 680,622.7 100.0% 721,014.8 100.0% 720,866.8 100.0%
— 464,754.9 68.3% 487,132.2 67.6% 493,860.8 68.5%
— 167,699.7 24.6% 180,298.9 25.0% 172,982.2 24.0%
— 48,168.1 7.1% 53,583.7 7.4% 54,023.8 7.5%
— 0.0 0.0 0.0
— 1,194,265.0 100.0% 1,296,981.7 100.0% 1,305,633.6 100.0%
— 602,261.3 50.4% 648,655.7 50.0% 641,126.1 49.1%
— 340,928.4 28.5% 383,955.5 29.6% 408,507.6 31.3%
— 240,254.5 20.1% 251,446.9 19.4% 241,667.7 18.5%
— 10,820.8 0.9% 12,923.6 1.0% 14,332.2 1.1%
— 243,442.4 100.0% 267,893.4 100.0% 276,036.9 100.0%
— 115,816.3 47.6% 125,319.4 46.8% 133,756.2 48.5%
— 120,743.7 49.6% 133,080.0 49.7% 130,728.5 47.4%
— 6,882.4 2.8% 9,493.9 3.5% 11,552.2 4.2%
— 0.0 0.1 0.0% 0.0
— 414,092.5 100.0% 451,750.9 100.0% 466,140.6 100.0%
— 145,206.1 35.1% 171,258.2 37.9% 193,563.3 41.5%
— 156,648.5 37.8% 163,648.2 36.2% 153,989.0 33.0%
— 112,237.6 27.1% 116,844.5 25.9% 118,588.3 25.4%
— 0.3 0.0% 0.0 0.0
112,832.4 100.0% 126,899.7 100.0% 59,538.0 100.0% 5,658.9 100.0%
30,844.5 27.3% 33,186.4 26.2% 26,648.7 44.8% 28,185.0 498.1%
12,082.6 10.7% 27,603.8 21.8% 36,594.3 61.5% 20,036.0 354.1%
6,506.2 5.8% 7,572.0 6.0% 9,512.9 16.0% 9,845.4 174.0%
63,399.1 56.2% 58,537.5 46.1% -13,217.9 -22.2% -52,407.5 ###
4,672,429.7 100.0% 5,463,866.1 100.0% 6,114,620.1 100.0% 7,037,033.7 100.0%
1,657,748.4 35.6% 1,973,175.3 36.3% 2,078,048.0 34.3% 2,360,101.7 34.0%
1,279,846.3 27.5% 1,567,525.4 28.8% 1,872,764.5 30.9% 2,305,922.0 33.2%
1,705,944.3 36.7% 1,892,066.9 34.8% 2,098,808.0 34.6% 2,272,584.9 32.7%
22,335.5 24,323.5 57,175.0 90,291.5
6,555.2 0.1% 6,775.0 0.1% 7,824.6 0.1% 8,133.6 0.1%
4,222,933.8 100.0% 4,927,888.0 100.0% 5,550,203.5 100.0% 6,394,959.6 100.0%
1,842,730.4 43.8% 2,134,067.2 43.3% 2,336,953.8 42.1% 2,658,527.4 41.6%
1,557,081.3 37.0% 1,861,438.5 37.8% 1,981,468.6 35.7% 2,340,713.7 36.7%
 808,462.2 19.2% 931,354.6 18.9% 1,230,070.5 22.2% 1,384,350.0 21.7%
13,679.7 568.4 784.2 9,416.0
980.2 0.0% 849.8 0.0% 1,539.5 0.0% 1,952.5 0.0%
— -390.5 -613.1 —
449,495.9 100.0% — — —
8,655.8 — — —
5,575.0 1.3% — — —
849,286.2 192.7% — — —
-562,884.1 ### — — —
148,863.0 33.8% — — —
4,196.4 100.0% 4,613.9 100.0% 5,266.7 100.0% 5,905.8 100.0%
2,732.8 65.1% 2,884.2 62.5% 3,254.6 61.8% 3,899.8 66.0%
1,277.7 30.4% 1,405.3 30.5% 1,660.8 31.5% 1,730.5 29.3%
72.9 1.7% 114.1 2.5% 142.9 2.7% 156.5 2.6%
113.0 2.7% 210.3 4.6% 208.4 4.0% 119.0 2.0%
-5,350.0 -13,836.7 -6,975.3 -7,947.8
-133.1 2.5% -603.7 4.4% -267.6 3.8% -167.0 2.1%
-104.5 2.0% -298.4 2.2% -186.0 2.7% -189.9 2.4%
-1,611.6 30.1% -4,188.3 30.3% -2,155.7 30.9% -2,352.0 29.6%
-3,500.8 65.4% -8,746.3 63.2% -4,366.0 62.6% -5,238.9 65.9%
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Axis Bank Ltd (AXSB IN) - By Geography
In Millions of INR except Per Share FY 2012 FY 2013 FY 2014
12 Months Ending 03/31/2012 03/31/2013 03/31/2014
Revenue 274,820.9 100.0% 340,392.1 100.0% 385,022.1 100.0%
India 258,540.7 94.1% 318,735.2 93.6% 361,329.9 93.8%
International 16,280.2 5.9% 21,612.6 6.4% 23,692.2 6.2%
Reconciliation — 44.3 —
Assets 2,854,165.1 100.0% 3,405,577.3 100.0% 3,863,500.6 100.0%
India 2,531,057.2 88.7% 3,033,961.3 89.1% 3,414,318.9 88.4%
International 323,107.9 11.3% 371,616.0 10.9% 449,181.7 11.6%
Depreciation and Amortization 3,481.5 100.0% — 3,754.6 100.0%
India 3,481.5 100.0% — 3,683.8 98.1%
International — — 70.8 1.9%
Capital Expenditures — — -6,485.9
International — — -259.1 4.0%
India — — -6,226.8 96.0%
Number of Outlets and Branches — — 2,402.00 ###
Metropolitan & Urban — — 1,148.00 47.79%
Semi Urban & Rural — — 1,254.00 52.21%
Rural unbanked — — 438.00 18.23%
Source: Bloomberg
 FY 2015 FY 2016 FY 2017 FY 2018
03/31/2015 03/31/2016 03/31/2017 03/31/2018
445,655.7 100.0% 513,642.3 100.0% 575,966.9 100.0% 584,766.8 100.0%
418,681.7 93.9% 484,664.1 94.4% 547,500.1 95.1% 557,995.6 95.4%
26,974.0 6.1% 28,978.2 5.6% 28,466.8 4.9% 26,771.2 4.6%
— — — —
4,672,429.7 100.0% 5,463,866.1 100.0% 6,114,620.1 100.0% 7,037,033.7 100.0%
4,158,843.8 89.0% 4,885,670.2 89.4% 5,518,771.2 90.3% 6,359,203.5 90.4%
513,585.9 11.0% 578,195.9 10.6% 595,848.9 9.7% 677,830.2 9.6%
4,196.4 100.0% 4,613.9 100.0% 5,266.7 100.0% 5,905.8 100.0%
4,116.1 98.1% 4,529.2 98.2% 5,213.2 99.0% 5,857.7 99.2%
80.3 1.9% 84.7 1.8% 53.5 1.0% 48.1 0.8%
-5,350.0 -13,836.7 -6,975.3 -7,947.8
-23.5 0.4% -53.5 0.4% -8.8 0.1% -94.3 1.2%
-5,326.5 99.6% -13,783.2 99.6% -6,966.5 99.9% -7,853.5 98.8%
2,589.00 ### — — —
1,265.00 48.86% — — —
1,324.00 51.14% — — —
435.00 16.80% — — —
Axis Bank Ltd (AXSB IN) - By Segment
In Millions of INR except Per Share FY 2012 FY 2013 FY 2014 FY 2015
12 Months Ending 03/31/2012 03/31/2013 03/31/2014 03/31/2015
Treasury
Revenue 69,950.5 85,806.5 108,059.0 118,674.1
Assets 1,080,801.3 1,351,060.4 1,430,309.7 1,705,944.3
Depreciation and Amortization 206.7 175.2 129.3 113.0
Capital Expenditures -203.0 -207.9 -236.4 -133.1
Liabilities 1,164,455.1 1,267,024.5 1,251,460.4 1,557,081.3
Interest Expense — — — —
Interest Income — — — —
Intersegment Revenue — — — —
Revenue Including Intersegment Revenue — — — —
Segment Profit 8,352.8 10,146.9 23,499.6 30,844.5
Capital Employed -8.4 84,035.9 — 148,863.0
Net Interest Income — -2,447.0 — —
Retail Banking
Revenue 59,633.7 87,928.9 110,891.8 143,226.3
Assets 582,824.8 753,193.5 1,068,839.3 1,279,846.3
Depreciation and Amortization 2,208.0 2,477.4 2,606.3 2,732.8
Capital Expenditures -2,150.0 -2,915.8 -4,435.4 -3,500.8
Liabilities 942,079.1 1,160,983.2 1,511,449.8 1,842,730.4
Interest Expense — — — —
Interest Income — — — —
Intersegment Revenue — — — —
Revenue Including Intersegment Revenue — — — —
Segment Profit -163.9 5,382.7 5,948.8 12,082.6
Capital Employed -35.9 -407,789.7 — -562,884.1
Net Interest Income — 38,800.2 — —
Corporate Banking
Revenue 141,063.2 160,932.1 158,642.3 174,905.8
Assets 1,176,519.9 1,283,536.7 1,340,962.4 1,657,748.4
Depreciation and Amortization 987.7 848.0 977.3 1,277.7
Capital Expenditures -970.8 -994.8 -1,738.1 -1,611.6
Liabilities 512,602.4 635,060.2 703,905.8 808,462.2
Interest Expense — — — —
Interest Income — — — —
Intersegment Revenue — — — —
Revenue Including Intersegment Revenue — — — —
Segment Profit 51,797.6 57,000.6 59,599.7 63,399.1
Capital Employed 66.4 648,476.5 — 849,286.2
Net Interest Income — 60,532.4 — —
Other Banking Business
 Revenue 4,173.5 5,680.3 7,429.0 8,849.5
Assets 2,329.1 3,023.4 4,416.2 6,555.2
Depreciation and Amortization 79.1 87.1 41.7 72.9
Capital Expenditures -73.3 -93.7 -76.0 -104.5
Liabilities 334.0 499.7 544.7 980.2
Interest Expense — — — —
Interest Income — — — —
Intersegment Revenue — — — —
Revenue Including Intersegment Revenue — — — —
Segment Profit 2,713.4 3,715.7 5,746.1 6,506.2
Capital Employed 0.2 2,523.7 — 5,575.0
Net Interest Income — 0.3 — —
Unallocated
Assets 11,690.0 14,763.3 18,973.0 22,335.5
Liabilities 7,877.4 10,426.0 12,179.4 13,679.7
Capital Employed — 4,337.3 — 8,655.8
Reconciliation
Liabilities — -125.4 — —
Revenue 393,611.3 — — —
Source: Bloomberg
 FY 2016 FY 2017 FY 2018
03/31/2016 03/31/2017 03/31/2018

137,506.4 161,523.5 147,265.3

1,892,066.9 2,098,808.0 2,272,584.9
210.3 208.4 119.0
-603.7 -267.6 -167.0
1,861,438.5 1,981,468.6 2,340,713.7
115,816.3 125,319.4 133,756.2
112,237.6 116,844.5 118,588.3
464,754.9 487,132.2 493,860.8
602,261.3 648,655.7 641,126.1
33,186.4 26,648.7 28,185.0
— — —
— — —

173,228.7 203,656.6 235,525.4

1,567,525.4 1,872,764.5 2,305,922.0
2,884.2 3,254.6 3,899.8
-8,746.3 -4,366.0 -5,238.9
2,134,067.2 2,336,953.8 2,658,527.4
120,743.7 133,080.0 130,728.5
145,206.1 171,258.2 193,563.3
167,699.7 180,298.9 172,982.2
340,928.4 383,955.5 408,507.6
27,603.8 36,594.3 20,036.0
— — —
— — —

192,086.4 197,863.2 187,643.9

1,973,175.3 2,078,048.0 2,360,101.7
1,405.3 1,660.8 1,730.5
-4,188.3 -2,155.7 -2,352.0
931,354.6 1,230,070.5 1,384,350.0
6,882.4 9,493.9 11,552.2
156,648.5 163,648.2 153,989.0
48,168.1 53,583.7 54,023.8
240,254.5 251,446.9 241,667.7
58,537.5 -13,217.9 -52,407.5
— — —
— — —
10,820.8 12,923.6 14,332.2
6,775.0 7,824.6 8,133.6
114.1 142.9 156.5
-298.4 -186.0 -189.9
849.8 1,539.5 1,952.5
0.0 0.1 0.0
0.3 0.0 0.0
0.0 0.0 0.0
10,820.8 12,923.6 14,332.2
7,572.0 9,512.9 9,845.4
— — —
— — —

24,323.5 57,175.0 90,291.5

568.4 784.2 9,416.0
— — —

-390.5 -613.1 —
— — —