CIA- 1

Submitted by: Shashank- 1121515 Arjun- 1121518 Vivek- 1121520

Comparison between Axis Bank and Punjab National Bank Q4, 2011-12
Axis Bank Total Income up from 720677 cr. to 764794 cr. an increase of 6.12% QoQ basis. Advances up from 14873900 cr. to 16975954 cr. an increase of 14.1%. Deposits up from 20869300 cr. to 22010430 cr. - an increase of 5.40%. Operating profit up from 1762 cr to 1891 crore an increase of 7.31%. Net Interest Margin is at 3.55% for the fourth quarter. Non-Interest Income has increased from 1450 crore to 1587 crore, an increase of 9.46%.

Punjab National Bank Total Income up from 1043512 cr. to 1095573 cr., an increase of 4.9% QoQ basis. Advances up from 26260500 cr. to 29377475 cr., an increase of 11.8% . Deposits up from 35651700 cr. to 37958848 cr., an increase of 6.47%. Operating profit up from 6720 cr to 7002 crore an increase of 4.19%. Net Interest Margin is at 3.84% for the forth quarter.

 Non-Interest Income has increased from 1125 crore to 1276 crore, an increase of 9.46%. CASA Deposit Punjab National Bank 3,79,588 28,472 1,05,657 1,34,129 Axis Bank 2,20,104 39,754 51,668 91,422

Total Deposit Current Deposit Saving Deposit CASA(Demand Deposit)

400000 350000 300000 250000

3,79,588

2,20,104 200000 150000 100000 50000 0 Term Deposit Current Deposit Saving Deposit CASA 39,754 28,472 1,05,657 51,668 1,34,129 91,422 Punjab National Bank Axis Bank

Fig1: Deposit Q4, 2011-12

Advances: Advances Punjab National Bank 2,93,77,475 Axis Bank 1,69,75,954

35000000 30000000 25000000 20000000 15000000 10000000 5000000 0 Advances 2,93,77,475 Punjab National Bank Axis Bank

1,69,75,954

Fig2: Comparison of advances, Q4 2011-12

Comparison of Performance: Punjab National Bank in (Rs. Crore) 13414 1276 7002 3.84 2.93 22.84 12.63 179.13 Axis Bank(in Rs. Crore) 2146 1587 1891 3.55 .94 3.09 13.64 30.75

Net Interest Income Non Interest Income Operating Profit Net Interest Margin Gross NPA% Return on Equity% Capital Adequacy Ratio EPS

16000 14000 12000 10000 8000 6000 4000 2000 0 Net Interest Non Interest Operating Income Income Profit 2,146 1,276 1,587 7,002 Punjab National Bank Axis Bank 13,414

1,891

Fig3: Profitability Comparison, Q4 2011-12

25

22.84

20

15 12.63 10

13.64 Punjab National Bank Axis Bank

3.84 3.55 2.93 0.94 3.09

0 Net Interest Margin% Gross NPA % Return on Equity% CRAR %

Conclusion: In spite of a gloomy economical environment, the banking sector tried to perform well, both Public sector and private sector banks. This comparative analysis between PNB and Axis Bank shows how the banking sector has been able to resilient to the macroeconomic conditions to a larger extent. Both the banks have been able to increase their profitability in Q4. NPAs were also declined in Q4 comparison to previous quarter. Both the banks have been able to match the BASEL norms.