SWOT Analysis of Axis Bank.

Strengths

 Axis Bank ranks itself amongst the top three rapid growth registering banks functioning
in the private sector.
 Axis Bank has an exemplary reputation amongst Urban dwellers.
 Axis Bank operates through 1,490 local branches and 8,320 ATMs in the bank's network.
 The bank enlists its presence in 970 towns and cities in India.

Weaknesses

 Axis Bank has concentrated its functioning mainly on corporate banking, retail banking
and treasury services which is a limitation for the bank as it is not catering to the general
banking services of the rural masses.
 In comparison to its competitors, it has fewer branches. Axis Bank has 5410 branches in
34 states and union territories across India. SBI has 28473 locations across 36 states and
union territories. HDFC has 7727 locations in 34 states and union territories. ICICI has
5819 locations in 34 states and union territories. PNB has 12397 locations in 35 states
and union territories.
 Due to intense competition in the banking sector, Axis Bank has a small market share.

Opportunities
  The potential for expansion in rural regions is immense.
 It is necessary to investigate foreign economies and marketplaces.
 By advertising its web-based banking facilities, Axis Bank may expand its online
presence.

Threats

 The Reserve Bank of India and the Banking Act have long posed a danger to new
banking licensing and economic reforms.
 Foreign banks entering the Indian banking sector may hurt Axis Bank's market
dominance.
 The fight to be the best in banking has resulted in a rise in competitor banks increasing
their banking operations in India, which is a worrying issue.

Product Portfolio of Axis.

The Product portfolio of Axis basically encompasses the following business verticals:

1. Axis Bank
2. Axis Capital Ltd.
3. Axis Mutual Fund
4. Axis Securities
Portfolio Analysis Using BCG Matrix.

Future Prospects
The Axis bank has a total market valuation of INR 1.31 trillion, putting it in the Large-Cap
category. The company's stock has a P/E ratio of 73 and a dividend yield amounting to 23 paise
per rupee. The firm has an excellent CASA ratio of roughly 81 per cent, which lowers its funding
costs.

The loan portfolio is likewise well-diversified, with retail loans accounting for 57% and
commercial credit accounting for 43%. Axis Bank is the fourth biggest credit card company in
the country, with more than 70% of its business coming from pre-approved consumers.

The organization aspires to be a major participant in the Wealth Management market of India.
Over the previous ten years, revenue has increased at a CAGR of around 18 per cent. Total costs,
on either side, have risen at nearly the same proportion. Along with the provisions and
contingencies, the bank's net value has increased indicating that the business is viable.

Performance Expectations
The Axis bank expects to clock a revenue of ₹565000 crores for the year ending 31st March
2023 which is an increment of approx 14% as compared to the figures of ₹483528 Crores
pertaining to the year ending 31st March 2022.
The Axis Bank is expected to return a Profit after Tax of ₹16900 Crores which is an expected
increment of 29% compared to the PAT figures of ₹130255 Crores for the year ending 2022.

Around 80% of the bank's unsecured loan portfolio consists of salaried clients which ensures that
there is a lower extent of default rates on the portfolio. Furthermore, about 70 per cent of salaried
individuals are senior personnel of major corporations and government organisations with which
the bank has maintained excellent customer relationships. This can help to improve already-thin
margins.