UTI Bank, promoted in 1994, is a new generation and third largest private sector bank. Loan book mix consists of Corporates 46%, Retail & Agri 41%, SME-13%. Fee Income accounts for ~24% of Operating Revenue. For 1QFY17 CAR 15.3%, Tier I - 12.38%, ROE 18.57%, RoA - 1.2%, Cost / Inc 38%. Axis Bank has built a reasonable retail infrastructure, with 3006 branches, 12,781 ATMs with a wide product range. Management aims to expand its physical...