Bank, promoted in 1994, is a new generation and third largest private sector bank. Loan book mix consists of Corporates 45%, Retail & Agri 39.7%, SME-15.3%. Fee Income accounts for ~31% of Total Income. For FY 4QFY15 CAR 15.6%, Tier I - 12.4%, ROE 17.9%, RoA - 1.7%, Cost / Inc 38.1%. Axis Bank has built a reasonable retail infrastructure, with 2589 branches, 12,355 ATMs in 1113 cities & towns and a...