PROJECT REPORT

ON
“A study on Wholesale Banking product Portfolio in Axis Bank’’

For the Partial fulfillment of Bachelor of Business Management

(2020-2023)

Faculty Guided Corporate Guide

Mr. Shekhar Srivastava Mr. Bhushan Shet,
Faculty of BBM Department Wholesale Banking Manager

Submitted By
Shantanu Raj
Roll. No 67, Reg. No. - 2020503506
1
(B.B.M)

COLLEGE OF COMMERCE, ARTS &SCIENCE

KANKARBAGH, PATNA – 800020
(A CONSTITUENT UNIT OF PATLIPUTRA UNIVERSITY, PATNA)
NAAC Re-Accredited Grade “A”

2
 PREFACE
All students learn theoretical subjects in their classroom, but as we are the management
students, apart from theoretical studies we need to get a deeper insight into the practical
aspects of those theories by working as a part of organization during our summer training.
Training is a period in which a student can apply his theoretical knowledge in practical
field. Basically, practical knowledge and theoretical knowledge have a very broad
difference. So this training has high importance as to know how both the aspects are
applied together. The study of management acquires most crucial position in the business
administration. In order to be successful, it is necessary to give priority to the
management in an organization. But it can’t be denied that the study of management
would be more educational, materialistic and even more interesting, if it is to be paired
with the work in organization as an employee. The training session helps to get details
about the working process in the organization. It has helped me to know about the
organizational management and discipline, which has its own importance. The training is
going to be a lifelong experience. Management in India is heading towards a better
profession as compared to other professions. The demand for professional managers is
increasing day by day. To achieve profession competence, manager ought to be fully
occupied with theory and practical exposure of management.

This Project Report has been completed in Partial fulfillment of my management Program,
B.B.M in the company AXIS BANK LTD. which is a leading Bank in Indian Market . The
objective of my project was to study Wholesale Banking Product Portfolio with special
3
 reference to Working Capital products.

ACKNOWLEDGEMENT

I wish to thank all those who helped me and without whose support, I could not have

completed this project successfully. First and foremost I express my heartfelt thanks to Mr.

Bhushan Shet, Wholesale Banking Manager, Axis Bank Bangalore Circle, for granting me

the permission to do the project and for his constant guidance during my project. I have

immense pleasure in expressing my deep sense of gratitude to Mr. Shekhar Srivastava –

BBM, Department of Management Studies for his valuable guidance, time, co-operation and

support without which this project report would not have been completed. Last but not least, I

would like to thank my family and friends for their wholehearted support for the completion

of this project.

SHANTANU RAJ
(B.B.M.)Roll. No 67,
4
 Reg. No. - 2020503506
DECLARATION

The summer training project on work “A study on Wholesale Banking product

Portfolio in Axis Bank” Under the guidance of MR. Bhushan Shet (Wholesale Banking

Manager) is the original work done by me. This is the property of the Institute & use of this

report without prior permission of the Institute will be considered illegal & actionable.

SHANTANU RAJ
(B.B.M) Roll. No 67,
Reg. No. - 2020503506

5
 EXECUTIVE SUMMARY

In accordance with the requirement of BBM course I had summer training project in
Wholesale Banking department of AXIS Bank on the topic " A study on Wholesale

Banking product Portfolio in Axis Bank ".

Wholesale Banking refers to banking services sold to large clients, such as other banks,
other financial institutions, government agencies, large corporations, and real estate
developers. Axis Bank wholesale Banking department contribute major chunk in overall
business of Axis Bank. Axis Bank leadership position across segments places us well to
serve customers across the capital structure.

Mr. Ganesh Sankaran - Group Executive is currently heading Axis Bank Wholesale
Banking portfolio in India. Some of the important products in wholesale Banking are
Current Account, Working Capital loan – OD/CC , Trade Finance product like LC, Bank
Guarantee, FCTL, CMS, Digital banking etc.

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Table of content/Index

 Preface
 Acknowledgement
 Declaration
 Training certificate
 Executive summary
CHAPTER 1
1. Industry Introduction 09

CHAPTER 2
 Industry Size- Facts and figure 23
 Tata Motor Product Portfolio in this segment
26
 Core Competence Analysis 34

CHAPTER 3

 SWOT Analysis 40

CHAPTER 4

 Problem Definition 45
7
 Research Methodology 46
 Data Collection Method 47
 Limitation 49
CHAPTER 5
 Analysis & Interpretation 51
 Findings 59
 Suggestions 59
 Conclusion 60

CHAPTER 6
 Bibliography 62
 Questionnaire 63

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CHAPTER 1

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INDUSTRY ITRODUCTION

Banking Industry

The banking industry is one of the most essential financial pillars of the financial sector,
and it is critical to the economy’s functioning. It is critical for a country’s economic
development that its trade, industrial, and farm funding needs are handled with greater
commitment and responsibility. As a result, a country’s progress is inextricably related to
the development of banking. In today’s economy, banks should be viewed as development
leaders rather than money merchants. They play a crucial role in deposit mobilization and
credit disbursement to many sectors of the economy.

Modern banking in India originated in the mid of 18th century. Among the first banks
were the Bank of Hindustan, which was established in 1770 and liquidated in 1829–32;
and the General Bank of India, established in 1786 but failed in 1791.

The largest and the oldest bank which is still in existence is the State Bank of India (SBI).
It originated and started working as the Bank of Calcutta in mid-June 1806. In 1809, it was
renamed as the Bank of Bengal.

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The rapid transformation in the banking industry over the last decade has made the
industry stronger, cleaner, transparent, efficient, faster, disciplined and a lot more
competitive.

The Indian banking industry has recently witnessed the rollout of innovative banking
models like payments and small finance banks. In recent years India has also focused on
increasing its banking sector reach, through various schemes like the Pradhan Mantri Jan
Dhan Yojana and Post payment banks. Schemes like these coupled with major banking
sector reforms like digital payments, neo-banking, a rise of Indian NBFCs and fintech
have significantly enhanced India’s financial inclusion and helped fuel the credit cycle in
the country.

The Reserve Bank of India, India's central banking authority, was established in April
1935, but was nationalized on 1 January 1949 under the terms of the Reserve Bank of
India (Transfer to Public Ownership) Act, 1948.
In 1949, the Banking Regulation Act was enacted, which empowered the Reserve Bank of
India (RBI) to regulate, control, and inspect the banks in India.
The Banking Regulation Act also provided that no new bank or branch of an existing bank
could be opened without a license from the RBI, and no two banks could have common
directors.

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Indian Banking Structure

Market Size

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The Indian banking system consists of 12 public sector banks, 22 private sector banks, 46
foreign banks, 56 regional rural banks, 1485 urban cooperative banks and 96,000 rural
cooperative banks in addition to cooperative credit institutions As of September 2021, the
total number of ATMs in India reached 213,145 out of which 47.5% are in rural and semi
urban areas.
According to India Ratings & Research (Ind-Ra), credit growth is expected to hit 10% in
2022-23 which will be a double digit growth in eight years. As of November 4, 2022 bank
credit stood at Rs. 129.26 lakh crore (US$ 1,585.09 billion).

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14
CHAPTER 2

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AXIS BANK

Axis Bank is the third largest private sector bank in India offering an entire comprehensive
spectrum of financial services to customer segments covering Large and Mid-Corporates,
Micro, Small and Medium Enterprises (MSME), Agriculture and Retail Businesses.
Axis Bank Limited, formerly known as UTI Bank (1993–2007), is an Indian banking and
financial services company headquartered in Mumbai, Maharashtra. It sells financial
services to large and mid-size companies, SMEs and retail businesses.
Corporate Office
Axis Bank Limited, Corporate Office,
Bombay Dyeing Mills Compound, Pandurang
Budhkar Marg,Worli, Mumbai - 400 025

LEADERSHIP TEAM

VISION
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To be the preferred financial solutions provider excelling in customer delivery through
insight, empowered employees and the smart use of technology.

VALUES

PRESENCE – Domestic and International

The Bank has a large footprint of 4,758 domestic branches (including extension counters)
with 10,990 ATMs & 5,972 cash recyclers spread across the country as of 31st March
2022.

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WHOLESALE BANKING

Wholesale banking refers to the banking services offered by banks to larger customers.

The customers are various entities and the list is given below.

 Mortgage banks
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  Commercial Banks
 Large Corporations
 Mid-sized Companies
 Real Estate Developers and Investors
 Institutional Customers
 Government agencies

Wholesale Banking includes currency conversions and large-scale transactions. Wholesale

banking is also called corporate banking or commercial banking, as opposed to retail
banking which involves small customers like individuals.

Wholesale Banking in Axis Bank

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Key Differentiator from competition

1. Strong relationship led franchise, transitioned out of an asset focused business

model.
2. Strengthened our Transaction Banking proposition with industry first product
innovations
3. Solution led banking with integrated 360 Degree coverage across segments
4. Serving customers across the capital structure leveraging ‘One Axis’ capabilities
5. Made strong progress towards becoming best in class Digital Wholesale Bank
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One Stop Shop

21
Govt. Business

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Comprehensive Product Offering for Corporate group

Business Segment

 Personal Banking
 Business Banking
 Priority Banking
 Burgundy Banking
 NRI Banking

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BUSINESS PORTFOLIO

AXIS Bank operates in vary segments such as Treasury Operations,

Retail Banking, Corporate/Wholesale Banking and Other Banking
Activities.

Retail banking: In the retail banking category, the bank offers Current
Accounts and Saving Accounts product, card serves, Internet banking,
amounted teller machines (ATM) services, depository, financial advisory
services, and Non-resident Indian (NRI) services.

Corporate/wholesale banking: The Bank offers to corporates and other

organizations services including corporate relationship not included
under retail banking, corporate advisory services, project appraisals, capital
market related services and cash management services.

Investment banking: Bank’s Investment Banking business comprises

activities related to Equity Capital Markets, Mergers and Acquisitions
and Private Equity Advisory. The bank is a SEBI-registered Category I

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Merchant Banker and has been active in advising Indian companies in
raising equity through IPOs, QIPs, and Rights issues etc.

NRI services: Bank provides products and services for NRIs that
includes CASA, facilitate investments in India. Axis bank is the first
Indian Bank having TCDC cards in 13 currencies along with Multi
Currency Card.

Micro Finance: Axis Bank SME business is segmented in three groups:

Small Enterprises, Medium Enterprises and Supply Chain Finance. Bank
offers lending to individuals/sma11 businesses subject to the Orientation
Under the Small Business Group a subgroup for financing micro
enterprises is also set up.

25
Working Capital Finance

Axis Bank offers Corporate Loans to businesses and corporates in the form of working
capital, term loans and structured finance solutions. The working capital finance solutions
include cash credit, overdraft or working capital loans, suitably structured to the needs and
risk profile of businesses.

Axis Bank offers Corporate Finance and Capital Finance to businesses as part of a
consortium or as a sole banker. The working capital finance products are designed to ease
the liquidity position of the businesses and come with a number of facilities such as
Internet Banking, Phone Banking, etc.

Term Loan

Axis Bank offers Term Loans for infrastructure, project funding, real estate and other
corporate requirements. These Term Loans are offered at competitive interest rates and are
structured to enhance the profitability of the business by scheduling the repayment to
match the cash flow available. Axis Bank also provides advisory services to companies for
syndication of the Term Loans to a wide spectrum of financial institutions.
26
Trade Service

The Trade Services offered by Axis Bank include Import Financing, Export Financing,
Letter of Credit, Bank Guarantees, Collection Services and Trade Advisory Services. Axis
Bank has a professional team of experts for Trade Services and offers speedy processing
of documents, comprehensive and timely MIS, among other benefits.

 Import Financing - We offer both Buyers Credit and Suppliers Credit. The
financing is available in all major currencies.
 Export Financing – Bank offers Pre-shipment Financing, Post-shipment Financing
 Letter of Credit
 Bank Guarantee

Structured Finance

Axis Bank provides tailor made solutions to meet our clients' requirements, while
mitigating the credit and price risk at the same time.

Corporate Loans - Supply Chain Management

27
Axis Bank provides Corporate Loans for the supply chain management of corporates. The
products under this section cater to the funding needs of the supply chain members and
help increase operational efficiency of the entire chain. The service delivery is through a
technology platform designed to increase transactional convenience for the corporates.
The funding solutions for the supply chain include Dealer Financing, Factoring of
Receivables, Purchase Invoice Financing or Vendor Financing and Rent Receivable
Financing.

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29
30
31
32
Organizational Structure in Axis Bank

33
AXIS BANK Financial Data

34
35
36
37
38
Important Update

Purchase of Citibank’s India Consumer Business

Purchase of Citibank’s India Consumer Business The Board of Directors of the Bank at its meeting
held on 30 March, 2022 have approved the purchase of Citibank’s India Consumer Business from
Citibank N.A. (acting through its branch in India) (“CBNA”) and the NBFC Consumer Business
from Citicorp Finance (India) Limited (“CFIL”) as going concerns without values being assigned
to individual assets and liabilities to either business, subject to fulfilment of specific conditions and
obtaining requisite approvals. The Bank has executed Business Transfer Agreements (BTAs) with
CBNA and CFIL on 30 March, 2022. The transaction will be given effect to in the books of the
Bank on closing which is subject to receipt of regulatory and other applicable approvals and
completion of customary and contractual conditions in accordance with the provisions of the
BTAs. There is no impact of the aforesaid transaction on the financial statements for the year
ended 31 March, 2022, other than certain transaction expenses which have been accrued or
expensed in the Profit and Loss Account for the year ended 31 March, 2022.

COVID-19

India is emerging from the after effect of COVID-19 virus, a global pandemic that affected the
world economy over the last two years. The extent to which any new wave of COVID-19 will
impact the Bank’s operations and asset quality will depend on the future developments, which are
highly uncertain. The Bank continues to hold provisions aggregating to `5,012 crores as at 31
March, 2022 against the potential impact of COVID-19 (other than provisions held for

39
restructuring under COVID-19 norms) based on the information available at this point in time. The
provisions held by the Bank are in excess of the RBI prescribed norms.

40
SWOT ANALYSIS

41
Strength

 Axis Bank is now well known brand in Indian Banking Industry.

 Axis Bank has presence in all the state in Domestic Market. Also has global
presence in many countries now.
 Having strong technology and Digital presence in Banking world
 More than 10000 ATM along with 80000 employees worldwide.

Weakness

 Axis Bank has not yet achieved global name like major competitor like JP Morgan,
Barclays, CITI bank etc.
 Axis Bank yet to upgrade their product offering.
 Bank have failed to control Fraudulent activities in past.

Opportunity

 Still in India, Axis Bank yet to tap rural market. And having strong possibilities to
expand their leg in rural India.
 Axis Bank creating big name in Digital and Innovation Banking hence they have
opportunity to lead the banking Industry.

42
  Axis Bank slowly creatin Global Foot print in many countries. Bank can even
grow in many other countries.

Threat

 Axis Bank recently came under scrutiny of RBI due to their previous leadership
team. Bank need to be careful from their regulator RBI.
 Indian Banking is facing strong Competition.

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CHAPTER 3

44
OBJECTIVE OF STUDY

Banking and finance can be called as the nerves of any economic system as they accelerate
the process of economic development through canalization of adequate finance. It is hard
to anticipate development of efficient banking services in the country. No doubt financial
institutions play so important in economic development but at the sometime economic
development determines the growth and development of banking institutions the role of
various kind of banking institution. In economic development need not be emphasized.

Wholesale Banking play a crucial role in banking business. Large Corporate group, big
ticket size loan business. Direct and Indirect Fee Income Bank generate from this business.

Main objective of the study is to “ Understand Wholesale Banking product portfolio of

axis bank.” Some of the major objectives of the study include the determination of the
following:

 Who are the Customer of Wholesale Banking product of Axis Bank

 What all product Bank offer to their Wholesale Banking Customer

 How Axis Bank Wholesale Banking channel performing in terms of monetary

value
 Are Wholesale Banking Customer satisfied with Axis Bank

 Customer Perception on Axis Bank overall group bank.

45
  Draw out with conclusions and suggestion based on the analysis and the
interpretation of data.

SCOPE OF STUDY

 It helps to bridge the gap between academic theory and practical application

and allows opportunity to explore a career in any field.

 It helps to obtain knowledge of the organization structure and operations.

 The main reason behind making or researching this project is to know how

Wholesale Banking departments function to achieve goals and gain a positive

perspective.

 This study will explain the growth in Wholesale Banking business in India

 This Study will also make us understand the Impact of Wholesale banking

business on Indian Economy.

46
RESEARCH METHODOLOGY

“Research is an organized inquiry designed and carried out to provide information

for solving problems.”

- Fred Kerlinger.
“Research is careful inquiry or examination to discover new information or
relationships and to existing knowledge.”

- Francis Rammel.

Research is one of the most important parts of any study and to collect the information and

knowledge. Finance research is defined as the systematic design, collection, analysis, and

reporting of data and findings relevant to a specific financial situation facing the company.

The research process depends upon developing the most efficient plan for gathering the

47
needed information. Designing a research plan calls from decisions on the data sources,

research approaches, research instruments, sampling plan, and contact methods.

Research design:-

Research design is the plan for collecting the information related to the study.
Research design explains the methods that are used for collecting the information. The
research design will focus attention on the different methods that are used for collection of
the data. Also it will help to solve the problem. Different forms of collecting the data will
be tasted in the research design.

In this case, survey method is used to collect the necessary data in the survey
method, the personal interview is used to collect the information from the respondents, and
questionnaires are used. The respondents are visited personally, and the detail information
is collected related to the study. The question mainly focuses attention on the consumer
behavior to fulfill the objective of the study

DATA SOURCE

48
For this project both primary and secondary data were valuable sources of information:

 Primary Data

 Secondary Data

Primary Data :

Primary data are those, which are collected for the first time and they are original in
character. The researcher must study a particular problem collects there.

Questionnaire carrying various questions regarding research method. Researchers

personally visited to the customer and ask the questions and sub questions to him and
recorded the answer in the questionnaire.

For this study the researcher did not simply relied on the questionnaire but also
adopted the observation method for collecting real facts.

SAMPLING PLAN:-
Sampling plan includes.
(A) Sampling unit
(B) Sample size
(C) Sampling method

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(A) Sampling Unit:-
In my study I have primarily collected all the sample data from

 Through Interaction with Employee

 Through Questionnaires filled from Employee

(B) Sample Size:-

One of the most important parts for the research is to decide sample size. I have taken 100
samples. The sample size explains how many customer are covered in the study?
(C) sampling method:-
In my project, I opted questionnaires for survey with visiting customers for
sampling .

Secondary Data:

Secondary data is data gathered from studies, surveys, or experiments that have been run

by other people or for other research.

• Through internet and various websites

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 • Through Journals and Magazines

 Through Bank SOPs

LIMITATION OF THE STUDY:-

The time period of the survey being only one month it was not possible to conduct
a highly in depth and details study.
Different people have a different thought-process and different attitudes. As a
result their manner of answering the questions of the study differs the answers
received sometimes good while sometimes they where negative.
A census survey is not possible due to time period so I have selected sample
survey.
Sample size was to small to conclude vast topic like Brand Value.
Wholesale Banking belongs to large corporate group hence it was difficult to get
complete financial info. about it due to certain restriction.

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CHAPTER 4
52
ANALYSIS & INTERPRETATION:-

TABLE NO:-1

Table showing the Customer Industry type

Category Large Medium Bank Govt. Real Others

Corporate Enterprise Business Estate
Percentag 23 38 3 5 16 15
e

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ANALYSIS:

 In Bangalore Circle 38% customer belongs to Medium size Enterprises

 5% Account belongs to Govt. business while 3% were co-operative bank Account.

TABLE NO:-2
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Table showing distribution on the basis of the occupation

Category Percentage

Only Current Account 15

Current & Loan Account 38

Current & Working Capital Account 23

Current & Trade Finance Account 19

Others 5

5
15

19

38
23

55

Only Current Account Current & Loan Account

Current & Working Capital Account Current & Trade Finance Account
Others
ANALYSIS:

 Interestingly in Wholesale banking majority of the Entity holds more than one
product of Axis Bank.
 Only 15% Entity holds just a Current Account.

TABLE NO:-3

This table showing Net Worth of the Entity who are using Axis Bank wholesale Banking
Product.

Net Worth of the Entity Percentage

Less than 10 crores 28

10 crores to 50 crores 18

50 Crores to 100 crores 32

100 crores and 1000 crores 12

1000 crores and Above 10

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 Net Worth of the Entity
10

28
12

32 18

Less than 10 crores 10 crores to 50 crores 50 Crores to 100 crores

100 crores and 1000 crores 1000 crores and Above

ANALYSIS:-

 In Bangalore Region, We found mix portfolio in terms of Net Worth of the

customer. There were few large Unicorn start up held Banking relationship with
Axis.

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TABLE NO: - 4

This table shows are they happy with Axis Bank product and Services

Customer Satisfaction (Rating) Percentage

Excellent 46

Very Good 26

Good 12

Satisfactory 10

Poor 6

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 Customer Rating

Poor

Satisfactory

Good

Very Good

Excellent

0 5 10 15 20 25 30 35 40 45 50

ANALYSIS:-

 Surprisingly majority of the customer approx. 72% are happy with Axis Bank
product and services offered to them.
 Less than 10% customer who told me that there is a need of improvement.
Majority were the customer whose loan declined by the bank.

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TABLE NO: - 5

This table shows about Customer perception on Branch staff skillset

Branch Staff Skillset Percentage

Yes 94

No 6

Branch staff skillset

Yes No

6%

94%

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ANALYSIS:-

 There are many factors which matter to Customer mindset, 94% customer are
satisfied with Frontline staff skill and knowledge about bank product and
operational process.

TABLE NO: - 6

This table shows Financing product customer use for their Business Requirements

Financing Product Percentage

Working Capital – OD / CC 35

Business Loan – Term, FCTL 30

Documentary Credit 18

Bill Discounting 10

Others 7

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 Financing Product Percentage
10
7
35

18

30

Working Capital – OD / CC Business Loan – Term, FCTL Documentary Credit

Bill Discounting Others

ANALYSIS:-

 Overdraft, Cash Credit Account are most popular for the wholesale banking
customer as it offered based on Inventory while for 30% customer goes with
Business loan – Secured and Unsecured for their day to day Working capital
requirement.
 Few clients who are in Import Export business , they need foreign credit exposure
for their business need, prefer to use LC or FCTL products

62
TABLE NO: - 7

This table shows the response on Differentiator factor with Competitor for Axis Bank

Differentiate with Competitor Percentage

Better Products 10

Better Services 25

Both 65

Differentiate with Competitor

70 65

60

50

40

30 25

20
10
10

0
Better Products Better Services Both

63
ANALYSIS:-

 These results shows that 65 % customer like Axis bank wholesale banking product
and services while 25% differentiate Axis with competitor basis better service
level.

TABLE NO: - 8

This table shows the response from Unicorn Startup for Axis Bank as their banking
solution provider

Contribution for Unicorn Startup Percentage

Yes 77

No 23

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 Contribution for Unicorn Startup as Banking
Partner

23

77

Yes No

ANALYSIS:-

 Bangalore have been a hub for startup, Axis bank have launched a program as
Startup India to support banking need for new startup. Later many startup turn as
Unicorn today and 77% startup have given credit to Axis for their banking need.

65
TABLE NO: - 9

This table shows the response from Govt. body on what kind of product services availed
from Axis bank

Product used by Govt. Body Percentage

Revenue Collection 15

e-tendering & e-procurement 13

Vendor Payment & Agent collection 18

Fine & Fee collection 25

Salary & Payroll Management 29

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 Product used by Govt. Body

Salary & Payroll Management

Fine & Fee collection

Vendor Payment & Agent collection

e-tendering & e-procurement

Revenue Collection

0 5 10 15 20 25 30 35

Analysis:

 Govt. Business used various wholesale banking product and services for their
requirement.
 Among all Salary & Payroll Management product consume by 29 % customer
while e-tendering & e-procurement has been 13% customer.

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FINDING:-

Based on the data gathered by administrating schedules to customer the following

observations are made.

 Axis Bank is third largest Private bank in Indian Market and have already

established their name in Banking world

 Wholesale Banking contribute 26% of Bank revenue as ticket size is big in

Amount.

 Majority of the large corporate, Startup venture, Govt body are happy with Axis

Bank and utilizing wholesale Banking product and services.

 Customer of Bangalore circle are very happy with frontline branch staff and their
believe that staff are well qualified, educated and know their operational process in

and out.

 Many startups got initial support from Axis Bank as part of startup India program
(one of the initiatives of Govt. of India) and now they turn as Unicorn company,
were very happy with their journey with Axis Bank and willing to pass credit to the
Bank.

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 Bangalore circle has good hold on various state govt. body business like BMRCL
(Metro train), BMTC (State Transport), BBMP(Municipal corporation) and
generate good Revenue income from there.
 Similarly, many central govt. project business Embassy Visa fee collection, Central
school fee collection, Metro train card and e-wallet services are being offered by
Axis Bank.
 Axis bank Bangalore circle, hold some large public listed corporate Accounts
which are handled by wholesale banking RM and contribute major in CASA and
TD deposits for the bank.
 Though overall feedback and growth were good for Axis bank in wholesale
banking unit but there was a good chunk of customer were not happy with bank as
they faced some bad service experience due to their loan declined, or bank refuse
to give risk exposure.
 Overall I had great learning opportunity with Bangalore circle wholesale banking
department and got many info and understanding about large corporate customer
behaviour, Banking day to day operation process, front staff attitude and skillset,
Customer mindset while opting product and services. I also go an opportunity to
learn their universal Banking Application called FINACLE.

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SUGGESTIONS

The study is aimed at analyzing customer perception about Axis Bank- wholesale Banking
product portfolio with sample size of 100 Customers.

Based on my research and study below are the few Recommendation I

would like to make here for Axis Bank.

 Axis Bank has established themselves as major market player in Banking Industry

however bank has huge threat in terms of core competencies.

 Axis Bank NPA number is matter of concern and bank need to look into it.

 Wholesale banking business negligence or low customer satisfaction can dent

banking business majorly, hence Bank need to keep an eye on it.

 Bank needs to identify the potential or prospects corporate or startup who can turn

as unicorn in future and hand hold them in very initial level. If not in wholesale

banking department but at least if you can serve them better as Retail business

customer also can help you in future.

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 Axis Bank need to increase manpower in Bangalore circle as I have seen heavy
work load on employees.

 Axis Bank financial number need an improvement as the kind of opportunity they

have in Silicon IT city like Bangalore, Bank is not utilized optimal.

 Axis Bank has to also focus on more govt body initiative in Digital banking space.

 Axis Bank has to focus on more innovative banking model like, cloud banking,
blockchain, digital banking, App support so that bank can have technological edge.

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CONCULUSION

 At Axis Bank, they believe success is a never ending journey, and this is at the
core of our brand value proposition. In the journey of human progress, we are all
connected like never before and are in the defining phase in history for shaping the
future we want.
 ‘Sustainable Progress’, as an extension of our brand proposition ‘Progress on…’, is
an articulation of our sustainability philosophy and our steadfast commitment
towards building a sustainable future for all.
 Axis Bank wholesale banking unit contribute major chunk of revenue income for
the bank and have many good corporate house, Unicorn startups, Govt. bodies
which is really good for the Bank.
 Bangalore circle contribute a large chunk of profit year on year.
 Axis Bank wholesale banking success differentiate from competitor based on few
basic principal
• Providing a platform for Start-ups to hyper scale
• Creating Value for sponsors in their portfolios.
• Develop new offerings to leapfrog the way corporate customers are served
• Build a digital “platform” for commercial banking segment (specifically
SMEs/MSMEs) encompassing banking and beyond banking capabilities

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 • Push to upgrade digital channels and journeys to meet new direct banking
needs.
• Solve foundational plumbing pain-points across existing services from a
forward looking prospect.
 Project Neo launched by Axis Bank for building India's leading Digital Wholesale
Bank via the most respected Transaction Banking proposition.

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CHAPTER 5

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 BIBLOGRAPHY

Referred books

Marketing Management – Philip Kotler

Research Methodology – C R Kothari

Internet

Some other important links

www.axisbank.com
Axis Bank - Wikipedia
PowerPoint Presentation (axisbank.com)

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CHAPTER 6

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QUESTIONNAIRE LEADING TO COMPARATIVE ANALYSIS OF PRODUCTS &
SERVICES OF AXIS BANK WITH ITS COMPETITORS

Dear respondent,

I am student of BBM studying at college of Commerce, Patna. The aim of this questionnaire is to
understand Wholesale Banking Business product portfolio of axis bank. I assure you the
information given by you will be kept quite confidential and it will not be misuse. It will be used
for study purpose only. You are requested to fill questionnaire.
Thank you.

Yours faithful
Shantanu Raj

Entity Name: ________________________________________________________

Designation :_________________________________________________________

Communication Address: _______________________________________________

Contact Details: ______________________________________________________

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1. What is the Type of your Entity

a) Large Corporate

b) Medium Enterprise

c) Bank or Financial Institution

d) Govt. Business

e) Real Estate

f) Others

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2. What kind of account do you have in axis bank?

a) Current account

b) Loan Account

c) Working Capital Account

d) Trade Finance Account

e) Others

3. What is the Net Worth of the Entity (Customer)

a) Less than 10 crores

b) 10 crores to 50 crores
c) 50 Crores to 100 crores
d) 100 crores and 1000 crores
e) 1000 crores and Above

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4. How do you rate the product and Services offered by Axis Bank ?

a) Excellent
b) Very good
c) Good
d) Satisfactory
e) Poor

5. The branch staff have the required skills and knowledge about the bank’s products and services:

a) Yes
b) No

6. Which Financing product do you use for your Business Requirements?

a) Working Capital – OD / CC
b) Business Loan – Term, FCTL
c) Documentary Credit
d) Bill Discounting
e) Others

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7. What makes Axis bank wholesale banking portfolio better than competitor ?

a) Better Products

b) Better Services

c) Both

8. Would you like to give credit to Axis Bank as banking partner in your Unicorn Journey under
Startup India Program?

a) Yes
b) No

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9. What all services of Axis Bank - wholesale banking do you use as Govt. body entity

a) Revenue Collection

b) e-tendering & e-procurement

c) Vendor Payment & Agent collection

d) Fine & Fee collection

e) Salary & Payroll Management

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*THANK YOU*

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