This Slideshare presentation is a partial preview of the full business document. To view and download the full document, please go here:
http://flevy.com/browse/business-document/Excel-Model-for-Banking--119
This is a valuation model of Axis bank. This model covers the different valuation types to arrive at the fair value of a stock.
8. DESCRIPTION Mar-2008 Mar-2009 Mar-2010 Mar-2011 Mar-12
Advances 59,661.14 81,556.77 104,340.95 142,407.83 175,161.63
Gross NPAs to Gross Advances (%) 0.83 1.09 1.25 1.11 1.13
Net NPAs (funded) to Net Advances (%) 0.42 0.40 0.40 0.29 0.39
Movement of NPAs (Gross)
a) Opening Balance 418.67 494.61 897.77 1,318.00 1,599.42
b) Additions during the year 384.21 892.62 1,800.70 1,448.31 1839.19711
0.64% 1.09% 1.73% 1.02% 1.05%
c) Reductions during the year 308.27 489.46 1,380.47 1,166.89 1,459.29
d) Closing balance 494.61 897.77 1,318.00 1,599.42 1979.32641
Movement of Net NPAs
a) Opening Balance 266.33 248.29 327.13 419.00 410.35
b) Additions during the year 135.78 202.30 427.49 453.05 718.16268
0.23% 0.25% 0.41% 0.32% 0.41%
c) Reductions during the year 153.82 123.46 335.62 461.70 445.38
d) Closing balance 248.29 327.13 419.00 410.35 683.130354
Movement of Provisions for NPAs
a) Opening Balance 152.34 246.32 570.64 899.00 1,186.74
b) Provisions made during the year 248.43 690.32 1,373.21 984.25 1366.26071
0.42% 0.85% 1.32% 0.69% 0.78%
c) Write-off/write-back of excess provisions 154.45 366.00 1,044.85 696.51 1,099.16
d) Closing balance 246.32 570.64 899.00 1,186.74 1453.84152
0.41% 0.70% 0.86% 0.83% 0.83%
Provisions Coverage Ratio 49.8% 63.6% 68.2% 74.3% 65.5%