History of AXIS bank

Axis Bank is the third largest private sector bank in India. Axis Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporate, SME, Agriculture and Retail Businesses. The Bank has a large footprint of 1787 domestic branches (including extension counters) and 10,363 ATMs spread across 1,139 centers in the country as on 31st December 2012. The Bank also has 7 overseas branches / offices in Singapore, Hong Kong, Shanghai, Colombo, Dubai, DIFC - Dubai and Abu Dhabi. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India),Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The shareholding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003. With a balance sheet size of Rs.2,85,628 crores as on 31st March 2012, Axis Bank is ranked 9th amongst all Indian scheduled banks. Axis Bank has achieved consistent growth and stable asset quality with a 5 year CAGR (2007-12) of 31% in Total Assets, 30% in Total Deposits, 36% in Total Advances and 45% in Net Profit.

Registered Office
The registered office of the axis bank is located at: Trishul, 3rd floor, Opposite Samartheswar Temple, Near Law Garden, Ellisbridge, Ahemdabad, Gujarat 380 006.

Corporate Office
Axis House, C-2 Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai 4000 025.

Subsidiaries
The Bank has set up six wholly-owned subsidiaries: Axis Securities and Sales Ltd. (Since renamed Axis Capital Ltd.) Axis Private Equity Ltd. Axis Trustee Services Ltd. Axis Asset Management Company Ltd. Axis Mutual Fund Trustee Ltd. Axis U.K. Ltd.

Promoters
Axis Bank Ltd. has been promoted by the largest Financial Institutions of the country, UTI, LIC, GIC and its subsidiaries. The Bank was set up in 1993 with a capital of Rs. 115 crore, with UTI contributing Rs. 100 crore, LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each.

Capital Structure
The Bank has authorized share capital of Rs. 500 crores comprising 500,000,000 equity shares of Rs.10/- each. As on 31st March, 2012 the Bank has issued, subscribed and paid-up equity capital of Rs. 413.20 crores, constituting 413,203,952 shares of Rs. 10/- each. The Banks shares are listed on the National Stock Exchange and the Bombay Stock Exchange. The GDRs issued by the Bank are listed on the London Stock Exchange (LSE). Distribution Network The Bank has a network of 1787 domestic branches (including extension counters) and 10,363 ATMs across the country, as on 31st December 2012, the network of Axis Bank spreads across 1,139 cities and towns, enabling the Bank to reach out to a large cross-section of customers with an array of products and services. The Banks overseas network consists of 4 branches in Singapore, Hong Kong, DIFC Dubai and Colombo and 3 Representative offices at Shanghai, Dubai, and Abu Dhabi.

Vision 2015
To be the preferred financial solutions provider excelling in customer delivery through insight, empowered employees and smart use of technology.

Core Values
Customer Centricity Ethics Transparency Teamwork Ownership

Ratios of AXIS Bank

1) Current Ratio = Current Asset/Current Liabilities

2010 3901.06/6133.46 0.64

2011 4632.12/8208.86 0.56

2012 6482.93/8643.28 0.75

Current Ratio
0.8 0.6 0.4 0.2 0 2010 2011 2012 0.75 0.64 0.56 Current Ratio

Current ratio of year 2012 is 0.75 which is higher than year 2010 and 2011.

2) Quick Ratio = Quick Asset/Quick Liabilities

2010 3901.06/6133.46 0.64

2011 4632.12/8208.86 0.56

2012 6482.93/8643.28 0.75

Quick Ratio
0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0 0.75 0.64 0.56 Quick Ratio

2010

2011

2012

Quick ratio of year 2012 is 0.75 which is higher than year 2010 and 2011.

3) Gross Profit Ratio = Gross Profit/Net Sales * 100

2010 2107.98/10575.3*100 19.93%

2011 3426.49/13898.67*100 24.65%

2012 3583.67/20500.88*100 17.48%

Gross Profit Ratio

30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2010 2011 2012 19.93% 24.65% 17.48% Gross Profit Ratio

Gross profit ratio is higher in the 2011 in comparison of other two years. Gross profit ratio in 2011 is 24.65%.

4) Operating Ratio = Operating Profit/Net Sales*100

2010 3941.77/10575.3*100 37.27%

2011 5306.84/13898.67*100 26.67%

2012 6523.98/20500.88*100 31.82%

Operating Ratio
40.00% 35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2010 2011 2012 26.67% Operating Ratio 37.27% 31.82%

Operating ratio is higher in the year 2010 which is 37.27% which is higher than other two years.

5) Long term Assets to Total assets Ratio = Long Term Assets/Total Assets

2010 51063.77/54964.83 0.93

2011 66055.9/7068.02 0.93

2012 86808.13/93291.06 0.93

Long term assets to total assest Ratio

1 0.8 0.6 0.4 0.2 0 2010 2011 2012 Long term assets to total assest Ratio 0.93 0.93 0.93

Long term Assets to Total Assets ratio is equal in all the three years.

6) Fixed Assets Turn Over Ratio = Sales/Fixed Assets

2010 10575.3/55974.82 0.19

2011 13898.67/71991.62 0.19

2012 20500.88/93192.07 0.22

Fixed assets turn over Ratio

0.23 0.22 0.21 0.2 0.19 0.18 0.17 2010 2011 2012 0.19 0.19 0.22 Fixed assets turn over Ratio

Fixed Assets Turnover ratio is lower in 2010 and 2011 in the comparison of the year 2012. In year 2012 the fixed assets turnover ratio is 0.22.

7) Fixed Assets to Proprietor fund Ratio = Fixed Assets/Proprietor fund

2010 55974.82/16044.44 3.49

2011 71991.62/18998.83 3.78

2012 93192.70/22808.54 4.09

Fixed assets to propritor fund Ratio

4.2 4 3.8 3.6 3.4 3.2 3 2010 2011 2012 3.49 3.78 Fixed assets to propritor fund Ratio 4.09

Fixed assets to proprietor fund ratio in 2010 is 3.49 and in 2011 is 3.78. Both are lower than the year 2012. In 2012 it was 4.09.

8) Net Profit Ratio = Net Profit/Net Sales*100

2010 1165.18/10575.3*100 11.02%

2011 2250.46/13898.67*100 16.19%

2012 2188.56/20500.88*100 10.68%

Net Profit Ratio

18.00% 16.00% 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 2010 2011 2012 11.02% 10.68% Net Profit Ratio 16.19%

In year 2011, Net Profit ratio is 16.19% which is higher than the other two years.

9) Current Assets to Proprietor fund Ratio = Current Assets/Proprietor Fund

2010 3901.06/16044.44 0.24

2011 4632.13/18998.83 0.24

2012 6482.93/22508.54 0.28

Current Asset to Propritor fund Ratio

0.29 0.28 0.27 0.26 0.25 0.24 0.23 0.22 2010 2011 2012 0.24 0.24 Current Asset to Propritor fund Ratio 0.28

Current Asset to proprietor fund ratio is in 2012 at high range but in year 2011 and 2012 it was low. In 2012 the ratio

History of HDFC bank

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.

Registered Office
Ramon House, 169, Back bay Reclamation, H T Parekh Marg, Church gate MUMBAI - 400 020.

Corporate Office
Ground Floor, C Wing, Modern Centre, Sane Guruji Marg, Mahalaxmi, Mumbai 400011

Promoters
HDFC is India's premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment.

Mission
HDFC Bank's mission is to be a World Class Indian Bank. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments, and to achieve healthy growth in profitability, consistent with the banks risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity, corporate governance and regulatory compliance. HDFC Banks business philosophy is based on four core values: Operational Excellence, Customer Focus, Product Leadership and People.

Capital Structure
As on 31st March, 2012 the authorized share capital of the Bank is Rs. 550 crore. The paid-up capital as on the said date is Rs. 469,33,76,540 (234,66,88,270 equity shares of Rs. 2/- each). The HDFC Group holds 23.15% of the Bank's equity and about 17.29 % of the equity is held by the ADS / GDR Depositories (in respect of the bank's American Depository Shares (ADS) and Global Depository Receipts (GDR) Issues). 30.68 % of the equity is held by Foreign Institutional Investors (FIIs) and the Bank has 4,47,924 shareholders. The shares are listed on the Bombay Stock Exchange Limited and The National Stock Exchange of India Limited. The Bank's American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002.

Distribution Network
HDFC Bank is headquartered in Mumbai. As on March 31, 2012, the Bank has a network of 2,776 branches in 1,568 cities across India. All branches are linked on an online real-time basis. Customers in over 800 locations are also serviced through Telephone Banking. The Bank's expansion plans take into account the need to have a presence in all major industrial and commercial centers, where its corporate customers are located, as well as the need to build a strong retail customer base for both deposits and loan products. Being a clearing / settlement bank to various leading stock exchanges, the Bank has branches in centers where the NSE / BSE have a strong and active member base. The Bank also has a network of 10,490 ATMs across India. HDFC Bank's ATM network can be accessed by all domestic and international Visa / MasterCard, Visa Electron / Maestro, Plus / Cirrus and American Express Credit / Charge cardholders.

Subsidiaries of HDFC bank

HDFC Bank HDFC Asset Management Company Ltd HDFC Standard Life Insurance Company Limited HDFC Sales HDFC ERGO General Insurance Company ltd ( formerly HDFC General Insurance Company Ltd) Other Companies Co-Promoted by HDFC

Technology
HDFC Bank operates in a highly automated environment in terms of information technology and communication systems. All the bank's branches have online connectivity, which enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also provided to retail customers through the branch network and Automated Teller Machines(ATMs). The Bank has made substantial efforts and investments in acquiring the best technology available internationally, to build the infrastructure for a world class bank. In terms of core banking software, the Corporate Banking business is supported by Flex cube, while the Retail Banking business by Fin ware, both from i-flex Solutions Ltd. The systems are open, saleable and webenabled. The Bank has prioritized its engagement in technology and the internet as one of its key goals and has already made significant progress in web-enabling its core businesses. In each of its businesses, the Bank has succeeded in leveraging its market position, expertise and technology to create a competitive advantage and build market share.

Ratios of HDFC Bank

1) Current Ratio = Current Asset/Current Liabilities

2010 5955.15/28992.86 0.21

2011 14601.08/28992.86 0.5

2012 27721.64/37431.87 0.74

Current Ratio
0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0 2010 2011 2012 0.21 0.5 Current Ratio 0.74

Current ratio of year 2012 is 0.74 which is higher than year 2010 and 2011.

2) Quick Ratio = Quick Asset/Quick Liabilities

2010 5955.15/28992.86 0.21

2011 14601.08/28992.86 0.5

2012 27721.64/37431.87 0.74

Quick Ratio
0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0 2010 2011 2012 0.24 0.5 Quick Ratio 0.74

Quick ratio of year 2012 is 0.74 which is higher than year 2010 and 2011.

3) Gross Profit Ratio = Gross Profit/Net Sales * 100

2010 4707.97/12649.74*100 37.22%

2011 5244.21/16845.65*100 31.13%

2012 5930.24/23839.99*100 24.88%

Gross Profit Ratio

40.00% 35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2010 2011 2012 37.22% 31.13% 24.88% Gross Profit Ratio

Gross profit ratio is higher in the 2010 in comparison of other two years. Gross profit ratio in 2010 is 37.22%.

4) Net Profit Ratio = Net Profit/Net Sales*100

2010 2122.81/12649.74*100 16.78%

2011 2170.65/16845.65*100 12.89%

2012 2347.19/23839.99*100 9.85%

Net Profit Ratio

18.00% 16.00% 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 16.78% 12.89% 9.85% Net Profit Ratio

2010

2011

2012

In year 2010, Net Profit ratio is 16.78% which is higher than the other two years.

5) Operating Ratio = Operating Profit/Net Sales*100

2010 3941.77/10575.3*100 38.45%

2011 5306.84/13898.67*100 44.29%

2012 6523.98/20500.88*100 37.12%

Operating Ratio
46.00% 44.00% 42.00% 40.00% 38.00% 36.00% 34.00% 32.00% 2010 2011 2012 38.45% 37.12% Operating Ratio 44.29%

Operating ratio is higher in the year 2011 which was 44.29% which was higher than other two years.

6) Long term Assets to Total assets Ratio = Long Term Assets/Total Assets

2010 40114.48/46069.63 0.87

2011 44107.15/58708.23 0.75

2012 62398.23/84119.87 0.74

Long term Assets to Total asset Ratio

0.9 0.85 0.8 0.75 0.7 0.65 2010 2011 2012 0.75 0.74 Long term Assets to Total asset Ratio 0.87

Long term Assets to Total Assets ratio is higher in 2010 in comparison to year 2011 and 2012 which was 0.87.

7) Fixed Assets Turn Over Ratio = Sales/Fixed Assets

2010 12649.74/58607.62 0.22

2011 16845.65/70929.37 0.24

2012 23839.99/97482.91 0.24

Fixed assets turn over Ratio

0.245 0.24 0.235 0.23 0.225 0.22 0.215 0.21 2010 2011 2012 0.22 Fixed assets turn over Ratio 0.24 0.24

Fixed Assets Turnover ratio was equal in 2011 and 2012 which was 0.24.

8) Fixed Assets to Proprietor fund Ratio = Fixed Assets/Proprietor fund

2010 58607.62/21522.49 2.72

2011 70929.37/25379.27 2.79

2012 97482.91/29924.38 3.26

Fixed Asset to Propritor fund Ratio

3.4 3.3 3.2 3.1 3 2.9 2.8 2.7 2.6 2.5 2.4 3.26

Fixed Asset to Propritor fund Ratio 2.72 2.79

2010

2011

2012

Fixed assets to proprietor fund ratio in 2010 is 2.72 and in 2011 is 2.79. Both are lower than the year 2012. In 2012 it was 3.26.

9) Current Assets to Proprietor fund Ratio = Current Assets/Proprietor Fund

2010 5955.15/21522.49 0.28

2011 14601.08/25379.27 0.58

2012 21721.64/29924.38 0.73

Current Asset to Propritor fund Ratio

0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0 2010 2011 2012 0.28 0.58 Current Asset to Propritor fund Ratio 0.73

Current Asset to proprietor fund ratio is in 2012 at high range but in year 2011 and 2012 it was low. In 2012 the ratio was 0.28.

History of ICICI Bank

ICICI Bank is India's second-largest bank with total assets of Rs. 4,736.47 billion (US$ 93 billion) at March 31, 2012 and profit after tax Rs. 64.65 billion (US$ 1,271 million) for the year ended March 31, 2012. The Bank has a network of 2,899 branches and 10,021 ATMs in India, and has a presence in 19 countries. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK subsidiary has established branches in Belgium and Germany. ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).

Registered Office
Landmark, Race Course Circle, Vadodra - 390007 Gujarat.

Corporate Office
ICICI Bank Towers, Bandra Kurla Complex, Mumbai-400051 Maharastra.

Capital Structure
ICICI Bank is an active capital market intermediary. It is one of the promoters of several leading institutions in the country including National Stock Exchange Of India Limited (NSE), National Commodities & Derivatives Exchange Limited (NCDEX), Central Depository Services (India) Limited (CDSL). Since 2000, the Bank has also been one of the clearing and settlement banks for NSE and Bombay Stock Exchange Limited (BSE). The Bank also took up the clearing and settlement banking status for NCDEX in FY 2004 and has recently got the clearing and settlement banking status on the Multi Commodity Exchange of India Limited (MCX) and Spot Exchanges.

Primary Markets Collecting Bankers We are the leading collecting bankers (market leader) to Public/ Rights/ Private Placement/ Mutual Funds/ Capital Gains Bonds issues. ICICI Bank is the only Bank to cross Rs. 1 trillion Collection. We are the market leader in IPO Collection with a 34% share and 65% market share in Retail and HNI Segment. Escrow and Paying Bankers We act as escrow and paying bankers to Mergers and Acquisitions. Secondary Markets As mentioned above, ICICI Bank acts as a 'clearing and settlement' banker for members of NSE, BSE, NCDEX, MCX and Spot Exchange. ICICI Bank also offers following products/services:

Cash Management Services NRI accounts Payment gateway Portfolio management services accounts Supply Chain Management Account Corporate Internet Banking

Clearing and Settlement Bankers The Bank is the leading Clearing and Settlement Bank for The National Stock Exchange of India (NSE) and The Bombay Stock Exchange (BSE), and offers a range of products and services in the capital markets. It is also a Clearing and Settlement Bank for other Exchanges in India namely The National Commodity and Derivatives Exchange (NCDEX), The Multi-Commodity Exchange (MCX) and Spot Exchange of India. Bank Guarantees The Bank issues bank guarantees to brokers on both the Capital Market and Commodity Market segment favoring the NSE/ BSE/ NCDEX/ MCX/ Spot Exchange to meet Security Deposit/ Base Capital and Margin requirements of the exchanges and Professional Clearing for trading members clearing their trades through them. Secured Overdraft To meet working capital requirements of the brokers on the Capital Market segment, the Bank provides after thorough credit appraisal secured overdraft in the form of overdraft against shares.

Intra-day Funding Intra-day Funding at the Bank's discretion to meet Exchange obligations (against cheques deposited in clearing or payouts to be received from the other exchanges) and client. Temporary Overdrafts (TOD)The Bank at its discretion provides Temporary Overdrafts to meet exchange obligations and for any temporary cash flow mismatches.

Distribution Network
ICICI Bank is India's second-largest bank with total assets of Rs. 4,736.47 billion (US$ 93 billion) at March 31, 2012 and profit after tax Rs. 64.65 billion (US$ 1,271 million) for the year ended March 31, 2012. The Bank has a network of 2,791 branches and 10,021 ATMs in India, and has a presence in 19 countries, including India.

PROMOTERS ICICI Bank (taken from the press release of ICICI Bank) ICICI Bank Limited (NYSE:IBN) is India's one of the leading private sector bank and the second largest bank in the country, with consolidated total assets of US$ 111 billion at June 30, 2012. ICICI Bank's subsidiaries include India's one of the leading private sector insurance companies and among its largest securities brokerage firms, mutual funds and private equity firms. ICICI Bank's presence currently spans 19 countries, including India.

About Prudential Plc (taken from the press release of Prudential Plc) Prudential plc is incorporated in England and Wales, and its affiliated companies constitute one of the world's leading financial services groups. It provides insurance and financial services through its subsidiaries and affiliates throughout the world. It has been in existence for over 160 years and has 363 billion in assets under management (as at 30 June 2012).

Vision & Values

Our vision: To be the dominant Life, Health and Pensions player built on trust by world-class people and service.

This we hope to achieve by: Understanding the needs of customers and offering them superior products and service Leveraging technology to service customers quickly, efficiently and conveniently Developing and implementing superior risk management and investment strategies to offer sustainable and stable returns to our policyholders Providing an enabling environment to foster growth and learning for our employees And above all, building transparency in all our dealings The success of the company will be founded in its unflinching commitment to 5 core values -Integrity, Customer First, Boundary less, Ownership and Passion. Each of the values describe what the company stands for, the qualities of our people and the way we work. We do believe that we are on the threshold of an exciting new opportunity, where we can play a significant role in redefining and reshaping the sector. Given the quality of our parentage and the commitment of our team, there are no limits to our growth. Our values: Every member of the ICICI Prudential team is committed to 5 core values: Integrity, Customer First, Boundary less, Humility, and Passion. These values shine forth in all we do, and have become the keystones of our success.

Ratios of ICICI Bank

1) Current Ratio = Current Asset/Current Liabilities

2010 29997.23/15501.18 1.94

2011 27630.41/15986.35 1.73

2012 34618.88/17576.98 1.97

Current Ratio
2 1.95 1.9 1.85 1.8 1.75 1.7 1.65 1.6 2010 2011 2012 1.73 Current Ratio 1.94 1.97

Current ratio of year 2012 is 1.97 which is higher than year 2010 and 2011.

2) Quick Ratio = Quick Asset/Quick Liabilities

2010 29997.23/15501.18 1.94

2011 27630.41/15986.35 1.73

2012 34618.88/17576.98 1.97

Quick Ratio
2 1.95 1.9 1.85 1.8 1.75 1.7 1.65 1.6 2010 2011 2012 1.73 Quick Ratio 1.94 1.97

Quick ratio of year 2012 is 1.97 which is higher than year 2010 and 2011.

3) Gross Profit Ratio = Gross Profit/Net Sales * 100

2010 7114.12/23144.87*100 30.74%

2011 9107.47/24337.97*100 37.42%

2012 9424.39/31586.91*100 29.84%

Gross Profit Ratio

40.00% 35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2010 2011 2012 30.74% 37.42% 29.84% Gross Profit Ratio

Gross profit ratio is higher in the 2011 in comparison of other two years. Gross profit ratio in 2011 is 37.42%.

4) Net Profit Ratio = Net Profit/Net Sales*100

2010 3212.69/23144.87*100 13.88%

2011 4744.26/24337.97*100 19.49%

2012 4614.69/31586.91*100 14.61%

Net Profit Ratio

25.00% 20.00% 19.49% 15.00% 10.00% 5.00% 0.00% 2010 2011 2012 13.88% 14.61% Net Profit Ratio

In year 2011, Net Profit ratio is 19.49% which is higher than the other two years.

5) Operating Ratio = Operating Profit/Net Sales*100

2010 5552.30/23144.87*100 23.99%

2011 7380.82/24337.97*100 30.33%

2012 8778.41/31586.91*100 27.79%

Operating Ratio
35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2010 2011 2012 23.99% Operating Ratio 30.33%

27.79%

Operating ratio is higher in the year 2011 which is 30.33% which is higher than other two years.

6) Long term Assets to Total assets Ratio = Long Term Assets/Total Assets

2010 108604.31/138601.54 0.78

2011 123443.87/151074.28 0.82

2012 146597.74/181216.62 0.81

Long term Asset to Total asset Ratio

0.83 0.82 0.81 0.8 0.79 0.78 0.77 0.76 2010 2011 2012 0.78 0.82 0.81 Long term Asset to Total asset Ratio

Long term Assets to Total Assets ratio is higher in 2011 in comparison to year 2010and 2012 which is 0.82.

7) Fixed Assets Turn Over Ratio = Sales/Fixed Assets

2010 23144.87/120892.80 0.19

2011 24337.97/134685.96 0.18

2012 31586.91/159560.04 0.2

Fixed Asset turnover Ratio

0.205 0.2 0.195 0.19 0.185 0.18 0.175 0.17 2010 2011 2012 0.18 0.19 Fixed Asset turnover Ratio 0.2

Fixed Assets Turnover ratio is lower in 2010 and 2011 in the comparison of the year 2012. In year 2012 the fixed assets turnover ratio is 0.20.

8) Fixed Assets to Proprietor fund Ratio = Fixed Assets/Proprietor fund

2010 120892.80/51618.37 2.34

2011 24337.97/134685.96 2.44

2012 159560.04/60402.86 2.64

Fixed asset to propritor fund Ratio

2.7 2.6 2.5 2.4 2.3 2.2 2.1 2010 2011 2012 2.34 2.44 Fixed asset to propritor fund Ratio 2.64

Fixed assets to proprietor fund ratio in 2010 is 2.34 and in 2011 is 2.44. Both are lower than the year 2012. In 2012 it was 2.64.

9) Current Assets to Proprietor fund Ratio = Current Assets/Proprietor Fund

2010 29997.23/51618.37 0.58

2011 27630.41/55090.64 0.5

2012 34618.88/60402.86 0.57

Current asset to propritor fund Ratio

0.6 0.58 0.56 0.54 0.52 0.5 0.48 0.46 2010 2011 2012 0.5 Current asset to propritor fund Ratio 0.58 0.57

Current Asset to proprietor fund ratio is in 2010 at high range but in year 2011 and 2012 it was low. In 2010 the ratio was 0.58.

Comparison of Ratios of ICICI, HDFC and AXIS Bank

1) Current Ratio = Current Asset/Current Liabilities

2010 2011 2012

AXIS 3901.06/6133.46 = 0.64 4632.12/8208.86 = 0.56 6482.93/8643.28 = 0.75

ICICI 29997.23/15501.18 = 1.94 27630.41/15986.35 = 1.73 34618.88/17576.98 = 1.97

HDFC 5955.15/28992.86 = 0.21 14601.08/28992.86 = 0.5 27721.64/37431.87 = 0.74

Current Ratio
AXIS 1.94 ICICI HDFC 1.97

1.73

0.64 0.21 2010

0.56

0.5

0.75

0.74

2011

2012

Above chart shows that the Current ratio of ICICI bank is higher in all the three years compare to AXIS and HDFC bank. In 2010 Current ratio of ICICI bank is 1.94, In year 2011 it is1.73 and In year 2012 it is 1.97.

2) Quick Ratio = Quick Asset/Quick Liabilities

2010 2011 2012

AXIS 3901.06/6133.46 = 0.64 4632.12/8208.86 = 0.56 6482.93/8643.28 = 0.75

ICICI 29997.23/15501.18 = 1.94 27630.41/15986.35 = 1.73 34618.88/17576.98 = 1.97

HDFC 5955.15/28992.86 = 0.21 14601.08/28992.86 = 0.5 27721.64/37431.87 = 0.74

Quick Ratio
AXIS 1.94 ICICI HDFC 1.97

1.73

0.64 0.21 2010

0.56

0.5

0.75

0.74

2011

2012

Above chart shows that the Quick ratio of ICICI bank is higher in all the three years compare to AXIS and HDFC bank. In 2010 Quick ratio of ICICI bank is 1.94, In year 2011 it is1.73 and In year 2012 it is 1.97.

3) Gross Profit Ratio = Gross Profit/Net Sales * 100

2010 2011 2012

AXIS 2107.98/10575.3*100 = 19.93% 3426.49/13898.67*100 = 24.65% 3583.67/20500.88*100 = 17.48%

ICICI 7114.12/23144.87*100 = 30.74% 9107.47/24337.97*100 = 37.42% 9424.39/31586.91*100 = 29.84%

HDFC 4707.97/12649.74*100 = 37.22% 5244.21/16845.65*100 = 31.13% 5930.24/23839.99*100 = 24.88%

Gross ProfitRatio
AXIS 37.22% 30.74% 24.65% 19.93% ICICI 37.42% 31.13% 29.84% 24.88% 17.48% HDFC

2010

2011

2012

In year 2010, Gross profit ratio of HDFC bank is higher than other two banks. It is 37.22%. In year 2011, Gross profit ratio of ICICI bank is higher than other two banks. It is 37.42%.

In year 2012, Gross profit ratio of ICICI bank is higher than other two banks. It is 29.84%.

4) Net Profit Ratio = Net Profit/Net Sales*100

2010 2011 2012

AXIS 1165.18/10575.3*100 = 11.02% 2250.46/13898.67*100 = 16.19% 2188.56/20500.88*100 = 10.68%

ICICI 3212.69/23144.87*100 = 13.88% 4744.26/24337.97*100 = 19.49% 4614.69/31586.91*100 = 14.61%

HDFC 2122.81/12649.74*100 = 16.78% 2170.65/16845.65*100 = 12.89% 2347.19/23839.99*100 = 9.85%

NetProfitRatio
AXIS ICICI HDFC

16.78% 13.88% 11.02%

19.49% 16.19% 12.89%

14.61% 10.68% 9.85%

2010

2011

2012

In year 2010, Net profit ratio of HDFC bank is higher than AXIS and ICICI bank. It is 9.85%. In year 2011, Net profit ratio of ICICI bank is higher than HDFC and AXIS b bank. It is 19.49%.

In year 2012, Net profit ratio of ICICI bank is higher than AXIS and HDFC bank. It is 14.61%.

5) Operating Ratio = Operating Profit/Net Sales*100

2010 2011 2012

AXIS 3941.77/10575.3*100 = 37.27% 5306.84/13898.67*100 = 26.67% 6523.98/20500.88*100 = 31.82%

ICICI 5552.30/23144.87*100 = 23.99% 7380.82/24337.97*100 = 30.33% 8778.41/31586.91*100 = 27.79%

HDFC 3941.77/10575.3*100 = 38.45% 5306.84/13898.67*100 = 44.29% 6523.98/20500.88*100 = 37.12%

Operating Ratio
AXIS 38.45% 30.33% 26.67% ICICI HDFC 44.29% 37.27% 37.12% 31.82% 27.79%

23.99%

2010

2011

2012

From the above chart shows that the Operating ratio is higher in all three years than AXIS and ICICI bank. In year 2010 it is 38.45%, In year 2011 it is44.29% and In year 2012 it is 37.12%.

6) Long term Assets to Total assets Ratio = Long Term Assets/Total Assets

2010 2011 2012

AXIS 51063.77/54964.83 = 0.93 66055.9/7068.02 = 0.93 86808.13/93291.06 =0.93

ICICI 108604.31/138601.54 = 0.78 123443.87/151074.28 = 0.82 146597.74/181216.62 = 0.81

HDFC 40114.48/46069.63 = 0.87 44107.15/58708.23 = 0.75 62398.23/84119.87 = 0.74

Long term asset to total asset Ratio

AXIS 0.93 0.78 0.87 0.93 0.82 0.75 ICICI HDFC 0.93 0.81 0.74

2010

2011

2012

In the above chart HDFC bank and ICICI bank ratio is lower than AXIS bank ratio in all the three years. Long term assets to total assets ratio of AXIS bank is 0.93 in all the three years.

7) Fixed Assets Turn Over Ratio = Sales/Fixed Assets

2010 2011 2012

AXIS 10575.3/55974.82 =0.19 13898.67/71991.62 = 0.19 20500.88/93192.07 =0.22

ICICI 23144.87/120892.80 = 0.19 24337.97/134685.96 = 0.18 31586.91/159560.04 = 0.2

HDFC 12649.74/58607.62 = 0.22 16845.65/70929.37 = 0.24 23839.99/97482.91 = 0.24

Fixed assets Ratio

AXIS 0.22 ICICI HDFC 0.24 0.19 0.18 0.22 0.24 0.2

0.19

0.19

2010

2011

2012

Above chart shows that Fixed assets ratio of HDFC bank is higher in all three years than AXIS and ICICI bank. In year 2010 it is 0.22, In year 2011 and 2012 it is same 0.24.

8) Fixed Assets to Proprietor fund Ratio = Fixed Assets/Proprietor fund

2010 2011 2012

AXIS 55974.82/16044.44 = 3.49 71991.62/18998.83 = 3.78 93192.70/22808.54 = 4.09

ICICI 120892.80/51618.37 = 2.34 24337.97/134685.96 = 2.44 159560.04/60402.86 = 2.64

HDFC 58607.62/21522.49 = 2.72 70929.37/25379.27 = 2.79 97482.91/29924.38 = 3.26

Fixed asset to Propritor fund Ratio

AXIS 3.78 2.34 2.72 2.44 2.79 ICICI HDFC 4.09 3.26 2.64

3.49

2010

2011

2012

From the above chart AXIS bank ratio is higher than other two banks. Fixed asset to Proprietor fund ratio in 2010 is 3.49, In 2011 it is 3.78 and In year 2012 it is 4.09.

9) Current Assets to Proprietor fund Ratio = Current Assets/Proprietor Fund

2010 2011 2012

AXIS 3901.06/16044.44 = 0.24 4632.13/18998.83 = 0.24 6482.93/22508.54 = 0.28

ICICI 29997.23/51618.37 = 0.58 27630.41/55090.64 = 0.5 34618.88/60402.86 = 0.57

HDFC 5955.15/21522.49 = 0.28 14601.08/25379.27 = 0.58 21721.64/29924.38 = 0.73

Current asset to Propritor fund Ratio

AXIS 0.58 0.28 ICICI HDFC 0.73 0.5 0.24 0.58 0.28 0.57

0.24

2010

2011

2012

In year 2010, Current asset to Proprietor fund ratio of ICICI bank is higher than AXIS and HDFC bank. It is 0.58. In year 2011, Current asset to Proprietor fund ratio of HDFC bank is higher than AXIS and ICICI bank. It is 0.58. In year 2012, Current asset to Proprietor fund ratio of HDFC bank is higher than ICICI and AXIS bank. It is 0.73. .