Retail Banking Presentation. December 2017
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1 Retail Banking Presentation December
2 Safe Harbor Except for the historical information contained herein, statements in this release which contain words or phrases such as will, aim, will likely result, would, believe, may, expect, will continue, anticipate, estimate, intend, plan, contemplate, seek to, future, objective, goal, strategy, philosophy, project, should, will pursue and similar expressions or variations of such expressions may constitute "forward-looking statements". These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. Axis Bank Limited undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. 2
3 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
4 The opportunities in retail banking are immense given the low penetration across key products Low Housing Loan penetration Household debt at very low level Indonesia Brazil Russia India China Thailand Hong Kong SAR Malaysia Singapore Korea United States Housing loan penetration (%) India Russia Indonesia Brazil China Singapore Hong Kong SAR Malaysia Thailand United States Korea Total credit to Household and NPISH (as % of GDP) Further potential for branch expansion China Singapore Malaysia Thailand India Korea, Rep. Indonesia Hong Kong United States Commercial bank branches (per 100,000 adults) Indonesia India Malaysia Singapore United States Low support infrastructure Point-of-sale terminals (per 100,000 adults) ,887 2, Source: World Bank 4
5 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
6 The retail-ization of Axis Bank has been the bedrock of our financial performance Overall Deposits Overall Advances Overall Fee Income All figures in ` billion Bank CAGR 13% Bank CAGR 17% Bank CAGR 9% 3,580 4,144 3,388 3, ,224 2, ,526 2,809 1,970 2, Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 FY13 FY14 FY15 FY16 FY17 Retail % - Deposits Retail % - Advances Retail % - Fee Income Retail Deposits* CAGR 18% Retail Advances CAGR 27% Retail Fees CAGR 19% 68% 75% 78% 81% 81% 33% 38% 40% 41% 45% 31% 32% 38% 40% 44% Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 * Includes CASA and Retail TD 6
7 ...with subsidiaries complementing the strategy Axis Bank is the third largest private sector bank in India offering the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. Fastest growing AMC since launch in 09 More than 2.4 Mn investors Average AUM of `69,088 Cr at 46% YoY growth in Q2 FY18 as against industry growth of 30%** Retail Online Investment platform for Equity, Mutual Fund & Currency Fastest growing equity broker in India with client base growing at CAGR of 46% in last 3 years Among top 3 brokers in India with client base of 1.59 Mn Fast growing NBFC Loan book growing at CAGR of 57% in last 3 years, the same stood at `5,304 Cr as at end of Sept 17 Offers complimentary products to Bank customers Product offerings include Structured Financing, Special Situations Funding Leading player in Investment banking Ranked no. 1 in Equity and Equity Linked Deals over the last decade; Ranked no. 1 ECM Banker; executed equity deals worth over `1000 Bn since April 15 Source: Internal except ** which is as per AMFI 7
8 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
9 We have been able to grow retail advances faster than Industry by focusing on our core strengths Banking Industry Retail Advances Axis Bank Retail Advances ` 000 cr 15% CAGR ` 000 cr 27% CAGR 898 1,010 1,166 1,323 1, Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 * Personal Loans from RBI reports on Sectoral deployment of Bank Credit Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Granular Growth Leverage Branch Channel Focus on existing customers 1.54 Customer* Growth (in mn) % Sourcing through branches % Sourcing from existing customers 72% 68% 66% 65% 45% 47% 50% 41% 36% 58% Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 FY13 FY14 FY15 FY16 FY17 FY13 FY14 FY15 FY16 FY17 * Include unique customers availing retail loans, rural loans and credit cards 9
10 The portfolio has historically been heavy on Home Loans. However, we are steadily shifting the mix Share of Home loans in Retail Advances Retail Advances Portfolio Breakup 54% 50% 48% 45% 44% Loans Against Property, 8% Auto Loans, 10% Others*, 10% Home Loans, 44% Mar-13** Mar-14** Mar-15 Mar-16 Mar-17 Personal Loans & Credit Cards, 12% Rural Lending, 16% Portfolio Size: `1,680 bn # Others include Gold, Education, OD loans, FCNR Superior growth in Retail loan product distribution achieved by deepening within existing branches coupled with expansion in new geographies, where the Bank already had seasoned branches. This strategy was well complemented and devised by using analytics, which helped in identifying the target segments and keep risks under control. **Figures restated to include the impact of loan book reclassification from FY15 onwards 10
11 while keeping risks under control by using our risk management toolbox Choice of business Portfolio Choice Enhanced Business Mix Control Customer type (ETB/ NTB) Channel (Branch / DSA/ Alternate) Core lines of defense Credit Models Credit Policy Monitoring Portfolio Mix Scorecard monitoring Final line of defense Collections 11
12 Our new engines continue to see disproportionate growth Product Wise Growth FY17 Over FY16 165% Secured Unsecured New engines of growth 75% 47% 37% 39% 37% 15% 18% 26% 12% 24% 21% Growth of Retail book Gold Loan Home Loan LAP Auto Loan CVCE EL Rural (Excl.MFI) EL Education Loan, PL Personal Loan, SBB Small Business Banking PL MFI Retail Credit Cards SBB 12
13 We have used technology to bring the underserved into the mainstream Microfinance Example Biometric Authentication CB assessment for geographical expansion KYC validation Group Loan Disbursal Real Time Credit Assessment End-to-End Servicing Geo-tagged villages for accuracy Psychometric assessment Web Based Collection 13
14 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
15 Deposit franchise continues to remain healthy CASA ratio amongst the best Savings Account Deposits All figures in ` Crores 51% 19% CAGR 126,048 44% 45% 45% 47% 63,778 77,776 88, ,793 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Current Account Deposits Retail Term Deposits 16% CAGR 20% CAGR 87, , , ,925 48,322 48,686 56,108 63,652 59,531 84,233 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 15
16 Investment in the quality of the book has led to strong and granular savings book growth Average SA Balance / Account Transaction Activity Rate* % 56% FY13 FY14 FY15 FY16 FY17 Indexed to FY13 Axis Bank Pvt.Sector Banks * Defined as atleast 1 customer induced transaction in 6 months (Source 2016 FIBAC banking industry survey conducted by IBA & BCG) Products per Customer Digital Transactions % % 44% 52% 66% FY13 FY14 FY15 FY16 FY17 FY14 FY15 FY16 FY17 Indexed to FY13 16
17 We launched Burgundy in the affluent space to complete our product offering and have witnessed strong growth Indian households by annual income distribution (mn) Axis Bank Performance Burgundy Segment CAGR 16% 13% 9% 5% Fastest growing segment - the rich households - to demand quality wealth management services The top 5% households, predominantly residing in the metros and Tier I cities, will account for 30% of the total disposable income FY14 FY17 CAGR Revenue 43% (3%) Wealth management services will be an integral part of the product portfolio AUM 37% 2010 (E) 2020 (F) Savings Deposits 37% <90k 90k - 2 Lacs 2-5 Lacs 5-10 Lacs > 10 Lacs Source: Indian Banking 2020, Report by BCG in association with FICCI and IBA 17
18 Focus on flow based businesses has helped in healthy growth in Current Account and Transaction Banking in ` cr Average CA CDAB / Account Transaction Banking Fees 14% YOY FY13 FY14 FY15 FY16 FY17 Indexed to FY13 CDAB Cumulative Daily Average Balance Q1FY17 Q2FY17 Q3FY17 Q4FY17 Q1FY18 Mobile banking penetration 15.20% 4.90% 7.40% FY15 FY16 FY17 18
19 Retail fees remain granular driven by Cards & Investments Retail Fees Retail Fee Mix (FY17) All amounts in ` cr 19% CAGR 1,712 2,008 2,604 3,027 3,481 Others* 35% MF & Ins 29% Cards, 36% FY13 FY14 FY15 FY16 FY17 * Includes other retail assets and liability products MF and Insurance Distribution Fees Card Fees % CAGR 997 1,020 30% CAGR 1, FY13 FY14 FY15 FY16 FY17 FY13 FY14 FY15 FY16 FY17 19
20 Axis Bank is now amongst the leading players in the financial savings and investment industry Distributor MF AUM - 2 nd highest in industry `. 000 crores Huge Upside Potential Current Product Penetration (SA customers) 8.0% 4.7% 4.0% FY15 FY16 FY17 Source - MF Dex Mutual Fund Life Insurance Broking Crossed 1mn active MF customers in mn Doubled broking customers in 2yrs 1.39 in mn FY15 FY16 FY17 FY15 FY16 FY17 Awarded Best Performing Private Bank at CNBC UTI MF Financial Advisor Awards, 2014 and 2016 Investing in digital channels: Option to invest, redeem and manage portfolio through Mobile App, Internet Banking and RM tablets 20
21 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
22 We have organically built a market leading retail franchise spread across the length and breadth of the country Jammu & Kashmir 26 Chandigarh 12 Delhi 140 Gujarat 298 Daman & Diu 2 Dadra & Nagar Haveli 2 Punjab 316 Rajasthan 134 Himachal Pradesh 13 Haryana 200 Uttarkhand 36 Uttar Pradesh 228 Maharashtra 385 Andhra Pradesh 130, Telangana 116 Sikkim 7 Bihar 100 Jharkhand 54 Madhya Pradesh 136 Chattisgarh 63 Orissa 145 West Bengal 236 Meghalaya 8 Tripura 9 Assam 58 Arunachal Pradesh 3 Nagaland 9 Manipur 8 Mizoram 3 3 rd Largest Private Sector Bank 3,485 Branches* 5 th Savings & Current Deposits 5 th Retail Advances 14,332 ATMs 2,033 Centers Goa 14 Karnataka 214 Andaman and Nicobar Islands 3 4 th Credit Cards Kerala 98 Tamilnadu 267 Pondicherry 4 * As on 30 th Sept 2017 and Includes extension counters 22
23 We will continue to invest in branches Branches per location Branch Area Trends Branch Vintage Classification 1 branch 89% 2 4 branches 8% 5 10 branches 2% >10 branches 1% 100% 54% 48% Till FY13 FY14 + FY15 FY16 + FY17 Branch area indexed to area till FY13, excludes unbanked branches > 5 yrs 49% < 1 yr 12% 4-5 yrs 10% 1-2 yrs 9% 2-3 yrs 6% 3-4 yrs 14% Immense potential to improve branch density Smaller sized branches 27% branches with vintage less than 3 years, 63% of these are in Metro & Urban New Branches drive customer acquisition and CASA Reduced opex leading to faster breakeven Significant upside to be realised from investments made 23
24 in the process making branches smarter Self-Service ATM Recycler Speed Banking Passbook Printing Cheque Deposit Reduced Queuing Instant transactions Focused interactions Corporate elobbies and Branch elobbies Smart-Automation Financial and non-financial services for walk-in customers Instant feedback 1 2 Customer 360 Service Interactions 50 lakh monthly transactions >75% instant fulfilment 3 4 Financial Transaction Offers and Leads 50% Reduction in data entry 2.75 lakh Service request per month Saksham single screen for branch user productivity Early benefits 35+ systems combined 24
25 Using Digital as a strong lever for smarter onboarding and servicing CASA Accounts sourcing Credit Cards sourcing Instant Servicing 10x Increase in TAB Cases over last year 52% with ekyc - Aadhaar 1 st in the industry 23% Increase in Productivity 1 st in the industry to accept esigned service (Aadhaar based Sign) 1 st in the industry to accept digital Form G/H 88% TAT reduction 50% Lower Decision TAT Vs Paper 27% Branch to Mobile migration >20% Productivity boost ~90% Tab Sourcing share >80% Household coverage 10+ Regions with 100% Digital sourcing 25
26 ...and transform employee productivity using digital tools New age techniques like Big Data Analytics, Social Media Marketing, Search optimization to track potential customers Direct to customer fulfilment using Mobile & Internet channel Instant opening using Tablet & ekyc Sales Force Tracker on Mobile App Digital Performance Tracking by Supervisors Lead management through CRM Data analytics to identify potential sales Omni Channel straight through fulfilment on digital platforms Real Time Performance monitoring and management 26
27 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
28 Retail profit has grown over 6X in last 4 years Retail advances growth has not impacted the Bank s profitability Retail profit has steadily improved 45% 1.90% 40% 1.70% 4,000 70% 35% 1.50% 3,500 66% 60% 30% 25% 20% 1.30% 1.10% 0.90% ` cr 3,000 2,500 2,000 1,500 1,000 22% 50% 40% 30% 20% 15% 10% FY10 FY11 FY12 FY13 FY14 FY15 FY % 0.50% % 7% 7% FY13 FY14 FY15 FY16 FY17 10% 0% Retail Advances share (%) Bank RoA (RHS) Retail Segment PBT Share of overall PBT (RHS) * The retail advances starting FY12 include rural lending 28
29 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
30 Payments remain core to Axis Bank s strategy... Savings account balance Vs. Transactions per account across banks Lending Deposits & Investments Payments at the core Risk Management Analytics on Payment data enables lending, deposits and investments, and insurance cross-sell 1 2 Transactions drive balances and consequently market shares 1 Active account defined as accounts which have had a user initiated transaction in last 6 months (as of 31 Mar 2014) 2 Total Transactions include: cash withdrawal, deposits at branch, cheque (inward + outward), and financial transactions over internet banking, mobile banking, POS machines, and ATMs / CDMs Source: BCG 30
31 ...and we offer multiple solutions for both customers and merchants Customer Merchant Low Cost Digital Solutions Non-Axis Bank Customer UPI Wallet Merchant App QR Code Forex Transit Offline Merchants Hardware Linked Solutions Banking App Cards POS (Enabled for Card, QR, UPI and Contactless) Mobile POS Axis Bank Customer QR Code Based HCE based Smart POS PC POS In-App Wearable Card and Application Linked Online Merchants Merchant Payment Gateway Value Added services 31
32 Our Cards Issuance business continues to grow and deepen the franchise Credit Cards in Force Market Share 5.6% 7.2% 8.2% 9.9% 11.2% Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Credit Cards Spends Market Share Market Share grew 2X in last 4 years 5.8% 7.1% 8.0% 8.7% 3.9% FY 13 FY 14 FY 15 FY 16 FY 17 Source: RBI Data Reports 32
33 We have strong market position across Digital Payment Solutions Axis Bank Market Standing Across Products Product Credit Cards 1 Debit Cards 2 Mobile Banking 3 Point of Sale Terminals Forex Cards Savings Accounts Market share 11% 7% 17% 16% 44% 4% Ranking 4 th 4 th 1 st 2 nd 1 st 8 th Source: RBI, Internal Data 1- based on cards issued; 2 based on card spends at point of sale terminals ; 3 based on value (RBI August 2017 data) Savings Accounts data is based on RBI figures as on 31 March
34 We are leveraging UPI to attract non-axis Bank customers and broadbase payments Unified Payments Interface (UPI)......Is a huge opportunity For Axis Bank India s innovation to the Payments world Robust technology platform which attracts multiple partners Is for 650 Mn by 2020 Any Banked Customer With a Smartphone ~870 Mn Debit Cards User Base ~300 Mn Smartphone User Base 10 % ~150 Mn Potential UPI User Base 1 Payments Transactions Analytics With a Unique Identifier: As simple as an address (Example: ajay@axisbank.com) Customer Product Penetration Axis Bank s Progress So Far* 1 ~3.8 Million registered base 2 ~4.9 Million transactions 3 Over 3000 merchants on boarded 1) Assumption 50% of Smartphone base * Till 30 th Sept 2017, Across all Axis Properties & Partners Source: BCG Google Digital Payments 2020 Report July
35 Freecharge Acquisition further helps us augment our digital capabilities and execution capacity More than 2x Customer Base Popular Digital-only Brand High Frequency Use-cases World Class Team with a start-up mind-set Digital Distribution 100% API based Technology Stack Through Freecharge, we intend to. Leverage Payments as a Hook (UPI, QR etc) Target digitally-native, mobile-first SA customers Source and service loans (PL, Cards, Consumer Loans) digitally 35
36 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
37 Our customers are going digital Retail Customers Transaction Mix (%) Digital and ATM Transaction Volume (In Cr) ATM Credit & Debit Cards (POS & E-Com) 11.5 Digital 54% 58% 66% 67% 67% ATM % 23% 21% 23% 28% Branches 19% 12% 13% 10% 5% 4.7 Q2FY17 Q3FY17 Q4FY17 Q1FY18 Q2FY18 Q2FY17 Q3FY17 Q4FY17 Q1FY18 Q2FY18 Source: Internal Data 37
38 ...at a continuously accelerating pace 10% Internet Banking 14% Both 11% Mobile Banking 35% DIGITAL PENETRATION Axis Mobile 18 Months 12 Months 8 Months 4 Months 5 Months 1 Mn 2 Mn 3 Mn 4 Mn 5 Mn Internet Banking 50 Months 20 Months 20 Months 15 Months 9 Months 1 Mn 2 Mn 3 Mn 4 Mn 5 Mn 38
39 which is reflected in the growth in users and spends LTD Registrations 5.1 mn 5.5 mn H1FY18 Spends 782 bn 857 bn H1FY18 Spends Growth 121% 48% H1FY18 Tx# 62.8 mn 39.3 mn H1FY18 Tx Growth 55% 14% Data as of Sept 17 39
40 We have adopted a focused approach to provide a multitude of options for customers Responsive* Public Website Internet Banking For Desktop Internet Banking For Mobiles Mobile App For Smartphones Mobile App For Feature Phones * Responsive design allows pages to be viewed in response to the size of the viewing screen 40
41 Going forward we see customer needs being categorized around 8 key propositions Payments Personal Finance Digital Ops Digital Servicing Bill Pay Recharge Financial Mgmt. Investments Risk Fund Transfer Shopping Digital Sales Digital Accounts Domestic International 41
42 An ecosystem for co-creation Startup Accelerator In-House Incubator Enterprise Collaboration 3 of 6 Startups from 1 st batch working on pan bank launch post proof of concept Conversational Banking Project with Singapore based startup Axis Start-Up team comprising of DevOps, Designers, Data Scientists & Product Managers POCs across AI/Deep learning, Payments, Lending, Digital Axis Amazon Co- Working Space, Social at Thought Factory Collaboration with Visa Innovation Center - Singapore, OCBC Bank Singapore Mentored by an external Tech Advisor group comprising of experienced investors, techies & start-up veterans 42
43 Our investments in analytical capabilities have led to better customer management and therefore competitive advantage Competitive Advantage Data What? Information What happened? Prediction What might happen? Insight Why did it happen? Optimization What should happen? Complexity 43
44 Retail opportunity in India remains large Axis Retail Bank is strong, and getting stronger Retail Lending has diversified over time Liabilities franchise amongst the best Branches continue to drive growth Retail profit has grown over 6X in last 4 years Continued leadership in Payments Continue investments in Analytics and Digital Strong Brand recall
45 We have created a differentiated identity and are amongst the most valuable Brands in India Amongst Top10 most valuable brands in India CII Awards 2016 Customer Obsession Leveraging digital transformation to deliver superior customer experience Ranked #2 on Functionality in Forrester s Mobile Banking Benchmark, 2017 (India Banks) 72 Axis Bank 65 Global Avg. 56 India Avg. Research based design tweaksa big focus, yielding result - UPI on Android - Credit Card Spend Analyzer - Universal Search on App - Bharat QR code - Pre-login revamp & Videos Global Ranking 20 in 2017 vs. 37 in
46 We have invested in service delivery processes to improve customer experience, efficiency and risk mitigation 1 90,000 ft redesign Centralization Instant fulfilment Organizational realignment 2 Lean and BPR Process optimization Centralization, Standardization First time right Single touch 3 Process digitization 125+ Journeys in 2 years Digitization at scale Digital Forms Self service 4 Robotics & AI Cognitive automation Self learning processes 40+ Journeys in one year 46
47 Investment in digitizing key processes has shown a clear downtrend in complaints, improvement in customer experience & efficiency metrics Key Processes Turnaround Time Saving A/c opening Current A/c opening Home loan disbursal Credit card opening LC issuance Remittance -92% -90% -68% -55% -83% -59% From To From To From To From To From To From To Customer feedback & complaints Back-office efficiency A/c opening survey* Welcome kit survey* Product complaints Deliverable complaints Manpower Volume processed 23% 40% -21% -29% -16% 50% From To From To From To From To From To From To * Customer experience survey - % responses with rating 4 & 5 on 5point scale 47
48 In summary, we have created a Retail Banking architecture to progress in our journey towards becoming the Bank of the future Customer Centricity A Compelling Brand A future ready distribution model Technology and Operational Excellence Simplified Journey Multi-Channel Delivery Integrated IT Architecture Personalized Offerings Customize Branch Formats Open APIs Investment Solutions Holistic Product Suite Process Automation Digital & Analytics Financial & Risk Control 48
49 Thank You 49
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