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 ~31% of Operating Revenue. For 4QFY16 CAR 15.09%, Tier I - 12.07%, ROE 18.57%, RoA - 1.8%, Cost / Inc 39%. Axis Bank has built a reasonable retail infrastructure, with 2904 branches, 12,743 ATMs in 1855 centres with a wide product range. The bank is poised to...