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Axis Inspection Report FY14-15 (Annex)
Axis Inspection Report FY14-15 (Annex)
1
Axis Bank – Annex to RAR
Particulars
As per bank As per SSM Shortfall Remark
Bank was putting other loans
(overdrafts-others at
concessional risk weights of
Credit Risk – RWA 2932924 2933173 249 75, instead of 100). Personal
loans were added into
regulatory retail portfolio.
Market Risk – RWA 253418 253418 - -
Operational Risk – RWA 265662 265662 - -
Total RWA 3452004 3452253 249
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Axis Bank – Annex to RAR
3
Axis Bank – Annex to RAR
5
Axis Bank – Annex to RAR
(Amt in ₹ mn)
Sr.
Particulars Amount
No.
A Total Liabilities excluding capital & reserves as
4,204,644
on March 31, 2015
Upper Tier II Instruments 16,195
Subordinated debt 112,008
Deposits 3,224,419
Borrowings 669,380
Other liabilities and provisions 182,642
B Internal Liabilities 60,213
Provision for standard assets 15,956
Provision for diminution in fair value of
3,425
restructured accounts
Provision for NPAs 24,818
Floating provision 33
Provision for NPI 2,105
Provision for depreciation in investments 723
Provision for fraud and other contingencies 12,171
Balance in sundry liabilities interest capitalization account 982
C Total outside liabilities [A-B] 4,144,431
6
Axis Bank – Annex to RAR
(Amt in ₹ mn)
Sr.
Particulars Amount
No.
A Paid up capital [including ESOP outstanding & interest
4,741
free funds from H.O. (foreign banks)]
B Reserves and Surplus 442024
Statutory Reserve 85,313
Share Premium 1,63,741
Capital Reserve (excluding revaluation reserve) 10,480
Special Reserve -
Revenue Reserve -
General Reserve 3,543
Investment Allowance Reserve 1290
Remittable surplus retained in Indian books [Foreign banks] -
Credit Balance in P&L A/c 1,76,235
Foreign currency Translation Reserve (FCTR) 1,398
Reserve Fund 24
C Intangible assets (including net deferred tax assets) &
18,869
accumulated losses
D Reported net worth [A+B-C] 4,27,896
E Adjustments following inspection findings 3240
Additional Provision for Non-Performing Investments 0
Additional Loan Loss Provision 0
Shortfall in Restructured Standard Asset Provisioning 549
Net Deferred Tax Asset 0
Understatement of Liabilities 0
Claims Not acknowledged as Debt 3
Any other Item to be specified (Investment Allowance
2688
Reserve and FCTR)
F Assessed net worth or real/exchangeable value of paid
424656
up capital and reserves [D-E]
7
Axis Bank – Annex to RAR
3 Understatement of Liabilities 0
6 Non-Performing Investments 0
8
Axis Bank – Annex to RAR
9
Axis Bank – Annex to RAR
10
Axis Bank – Annex to RAR
11
Axis Bank – Annex to RAR
22 Extra-ordinary expenses 0 0 0
Assessed provision by
25 supervisor 552 231 1439
(26+27+28+29+30+31+32+33)
12
Axis Bank – Annex to RAR
Operational expenses
37 92,037 79,008 69,142
(38+39+40)
13
Axis Bank – Annex to RAR
14
Axis Bank – Annex to RAR
15