Annual Report 2019-2020

Open defines everything we have always been.

It is a philosophy that has been part of our DNA for the last 26 years. It is the way we organise ourselves on every front, internally and externally.

Be it our keen eye to spot opportunities and willingness to act on them. Or our commitment to our customers that no matter what they have to say, we are here to listen.

We are open to ideas, suggestions and even criticism. We are open to newer ways of working, technologies, and approaches, that will shape the future of financial services. We strive to live up to our commitment to partner communities and the wider family of stakeholders in inclusive development.

Our business moves on the wheels of trust. We deeply value the confidence and faith of our stakeholders, and we promise to uphold the highest standard in delivering them. Our aim is to grow together as India’s most reliable bank.

We are Axis. We are Open.

Axis Bank Annual Report 2019-2020 - Experience Open

How we performed in Fiscal 2019-20

Total assets

`915,165 crores

14%

Total deposits

`640,105 crores

17%

Total advances

`571,424 crores

15%

Total income

`78,172 crores

15%

Net interest income

`25,206 crores

16%

Net profit

`1,627 crores

Gross NPA

4.86%

(previous year 5.26%)

Net NPA

1.56%

(previous year 2.06%)

Provision coverage ratio

69%

(previous year 62%)

Cost: Asset ratio

2.09%

(previous year 2.13%)

Net interest margin (NIM)

3.51%

(previous year 3.43%)

Capital adequacy ratio

17.53%

(previous year 15.84%)

Above are standalone figures as on/for the year ended 31 March, 2020

↑ Growth in Fiscal 2019-20 vis-à-vis Fiscal 2018-19

Axis Bank Annual Report 2019-2020 - Amitabh Chaudhry

Message from MD & CEO

As the economy continues to combat the unprecedented uncertainty caused by COVID‑19 pandemic outbreak since the start of this calendar year, we have lived up to our promise to the nation of being a responsible citizen, being ‘Open’ to address the needs of our customers, employees and communities.

- Amitabh Chaudhry

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Pralay Mondal

Executive Director (Retail Banking)

Rajiv Anand

Executive Director (Wholesale Banking)

Rajesh Dahiya

Executive Director (Corporate Centre)

Pralay Mondal - Executive Director, Retail Banking

Message from Executive Director
(Retail Banking)

Fiscal 2020 was another good year for the Retail segment with steady growth of 22% in deposits* and 24% in advances as we continue our relentless focus on delivering sustainable and profitable growth.

- Pralay Mondal

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Amitabh Chaudhry

MD & CEO

Rajiv Anand

Executive Director (Wholesale Banking)

Rajesh Dahiya

Executive Director (Corporate Centre)

Rajiv Anand - Executive Director, Wholesale Banking

Message from Executive Director
(Wholesale Banking)

We as a Bank have over the last one year taken significant strides in not only de‑risking and diversifying the Wholesale book but have also strengthened our position as a full service Wholesale Bank; which places us in a better position for the future.

- Rajiv Anand

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Amitabh Chaudhry

MD & CEO

Pralay Mondal

Executive Director (Retail Banking)

Rajesh Dahiya

Executive Director (Corporate Centre)

Message from Executive Director
(Corporate Centre)

Our 74,000 plus employees have displayed true commitment and have walked the extra mile to remain fully functional and continue to serve our customers.

- Rajesh Dahiya

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Amitabh Chaudhry

MD & CEO

Pralay Mondal

Executive Director (Retail Banking)

Rajiv Anand

Executive Director (Wholesale Banking)

Key Performance Indicators

Total Assets/Liabilities
Shareholder’s Funds
Total Advances
Retail Advances
Total Deposits
CASA

Total Assets/Liabilities

Total Assets/Liabilities ` in crores

fy19-20915,165
fy18-19800,997
fy17-18691,330
fy16-17601,468
fy15-16539,821

14%

y-o-y

15%

5 - Year CAGR

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Shareholder’s Funds

Shareholder’s Funds ` in crores

fy19-2084,948
fy18-1966,676
fy17-1863,445
fy16-1755,763
fy15-1655,763

27%

y-o-y

14%

5 - Year CAGR

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Total Advances

Total Advances ` in crores

fy19-20571,424
fy18-19494,798
fy17-18439,650
fy16-17373,069
fy15-16338,774

15%

y-o-y

15%

5 - Year CAGR

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Retail Advances

Retail Advances ` in crores

fy19-20305,400
fy18-19245,812
fy17-18206,465
fy16-17167,993
fy15-16138,521

24%

y-o-y

22%

5 - Year CAGR

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Total Deposits

Total Deposits ` in crores

fy19-20640,105
fy18-19548,471
fy17-18453,623
fy16-17414,379
fy15-16357,968

17%

y-o-y

15%

5 - Year CAGR

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CASA

CASA ` in crores

fy19-20263,706
fy18-19243,394
fy17-18243,852
fy16-17213,050
fy15-16169,445

y-o-y

13%

5 - Year CAGR

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Experience Open

While scale, stature, presence, products and technology are evident manifestations of Axis Bank, one characteristic that binds all and transcends everything else is that we are an institution that is warm, friendly, empathetic and accessible to customers and all other stakeholders.

Open to delighting customers

Open to Innovations

Open to a stronger workforce

Open to building communities

experience open

Annual Report 2019-2020

Open defines everything we have always been.

We are Axis. We are Open.

How we performed in Fiscal 2019-20

`915,165 crores

`640,105 crores

`571,424 crores

`78,172 crores

`25,206 crores

`1,627 crores

4.86%

1.56%

69%

2.09%

3.51%

17.53%

Message from MD & CEO

Message from Executive Director
(Retail Banking)

Message from Executive Director
(Wholesale Banking)

Message from Executive Director
(Corporate Centre)