Products and Services

Axis Bank Investment Advisory

Axis Bank Wealth Proposition

Vision

About Us

Table of Contents

Key Differentiators

About Us

Established in 1994 as UTI Bank and promoted by Unit Trust of India, Insurance Corporation of India, General Insurance Corporation of India and its 4 general insurance subsidiaries

UTI Bank was renamed as Axis Bank in 2007 and is today the 3rd largest private sector bank in India with assets of over US$ 45bn* and market cap of over US$ 12.5bn^

Main Businesses includei) Corporate Banking : Credit, Trade Finance, Structured Finance, Project Finance &

Syndication

ii) Retail Banking : Retail Liabilities, Retail Assets, Wealth Management, Cards, Private

Banking, Family Office

Over 22,000 employees across a network of 1,120 branches in 734 centers in India and 5 overseas offices as of 31st Dec 2010.

Axis Bank Group Subsidiaries Axis Asset Management Co Ltd Axis Trusteeship Ltd Axis Private Equity Ltd Axis Securities and Sales Ltd

Associates Banque Privee Edmond de Rothschild

AXIS Bank

* As on 31st Dec 2010 ; ^ As on 31st Dec 2010

Axis Bank - Accomplishments Axis Bank - Accomplishments

Axis Wealth Axis Wealth

Launched as Wealth Advisory Services in 2006

One of India’s reputed providers of financial planning and advisory services for high net worth investors.

Our Strategy

i) One stop shop’ value proposition across banking, investments and borrowing needs

ii) Bring in world class expertise to help protect and grow your wealth with a long term perspective iii) Deliver ‘out of the ordinary’ client experience across relationship cycle

Vision

Our VisionOur Vision

To enable our clients’ success and build a trusted long term relationship by delivering

Best-in-class solutions,

Backed by best-in-class processes,

Through best-in-class people

Ordinary is for others……When you are one of the privileged few, you deserve the extraordinary.

Axis Bank Wealth Proposition

W E A L T HW E A L T H

Client

Relationship

Management

Investment

Advisory

One stop solution

Liquidity Management

Smart solutions

Banking & Credit

Solutions

Axis Bank Wealth – Overview

Investment Advisory – Solutions Maker

Products Expertise

Relevant Products –

Stringent due diligence framework, open architecture

Asset class specialists with rich experience and solid track record

Wealth Creation/ Preservation with risk management

Quality of Advice

Professional Objective Advice

Portfolio Approach

Investment Advisory

High quality advice and responsive to market dynamics

Wealth Savings Account offering

Personalized services through a single point of contact, your wealth manager

No average quarterly balance requirement in Savings account

Exclusive Welcome Kit

Complementary anywhere banking, Demand Drafts & Payorders

Personalized Cheque book, without any limit

Access to Exclusive Lounges, wherever present, at Axis Bank Branches.

Axis Bank Wealth Debit Card

Features at a glance

Daily Purchase limit of Rs 5 lakhs

Daily ATM withdrawal limit of Rs 2 lakhs

Complimentary Accidental Insurance cover of 15 lakhs

Complimentary lounge Access

2.5% fuel surcharge refund

Attractive Plus Points Program

Free unlimited cash withdrawals at other bank ATM

Zero lost card liability and purchase protection of Rs 5 lakhs

Axis Bank Wealth Signature Credit Card

Exclusive Credit Card for Axis Wealth Clients

Features at a glance

Complimentary Insurance cover of `2.55 Crores

2.5% fuel surcharge refund(For transactions between `400 & `4000)

Powerful Plus Points Program

EMV certified Chip card for unmatched safety

24-hour International Concierge Services

Complimentary membership to Priority Pass providing access to over 500 VIP Airport

Lounges across the world

Complimentary

Primary and

Add-on Cards

Offers from Premium Brands

Wealth Manager – One Stop Solution Provider

‘End to End’ financial solutions through your Wealth Manager

‘Personal Financial Solutions’ – to help to achieve your personal financial goals

‘Business Solutions’ for the entrepreneur / top management

– help grow the business and unlock value

Banking

Investments

Retail loans

Transaction Banking services

Corporate lending & advisory

Capital Market solutions

Treasury solutions

Wealth Manager – your

Financial Advisor

Team Axis Approach

Backed by a team of experts across products, processes, advisory and research…..

WealthManager

Investment Advisor

BusinessSolutionTeams

Product Experts

Research ExpertsClient

SpecializedOperations

Team

We adopt a team based approach to deliver organizational expertise to you

‘Out of the ordinary’ client experience

Dedicated Wealth Managers

‘Fast Track’ Service

Lif

esty

le

Ben

efi

ts

Pre

fere

nti

al

Pri

cin

g

Client

Loans

Banking

Business Solutions

Investments

Axis Bank Investment Advisory

Portfolio Monitoring/

Periodic Rebalancing

Portfolio Monitoring/

Periodic Rebalancing

Understanding financial goals

Understanding financial goals

Design Investment

Plan

Design Investment

Plan

Execute/ Undertake

Investments

Execute/ Undertake

Investments

We back our high quality advice with robust execution and proactive portfolio monitoring

Structured Portfolio Advisory Process

We work with you to help understand your financial goals

Risk-appetiteReturn-

expectations

Cash flow Requirements

Tax Issues

Liquidity

Investment Horizon

Investment Philosophy

Currency

Key Decision Points

Customized Financial Planning

We analyze your current Asset Allocation

vis-a-vis your financial goals

Cash25%

Bond/ Fixed25%

Equities35%

Alternative Investments

15%

Core Asset Allocation Your detailed asset allocation

3%

3%

21%

Domestic Equity 38%

Alternative

10%

Investments

Real Estate 8%

Emerging Market Equity

International Equity 17%

High Yield Debt

Fixed Income

We use financial planners and investment tools to analyse your investment risk profile / assess financial personality, thereafter our expert ‘investment advisory team’ reviews your portfolio vis-a-vis your goals to make suitable asset allocation recommendation

We help you construct your portfolio by first developing a core long term Asset Allocation

Risk Profile DebtEquit

y

Alternative

Investments

Risk Averse 100% 0% 0%

Conservative 70% 20% 10%

Balanced 50% 35% 15%

Growth 30% 50% 20%

Aggressive 10% 65% 25%

Our Customer Risk Profiler enables us to assess your risk profile based on which we find an asset allocation that is optimal and in line with your financial

personality traits

We undertake Regular Review of Portfolios on an ongoing basis

Client indicates Investment Goals & Risk Appetite

Portfolio Construction

• Periodic update on performance

• Periodic review of goals

• Undertaken on a periodic basis to keep the overall portfolio investments in line with long term investment objective.

• Help to rebalance the portfolio based on market development and changes in investment scenario

Asset Allocation Framework – Strategic and Tactical

• Model Portfolio serves as a guideline for asset allocation based on risk profile

• Two components – Strategic and Tactical

Strategic Asset

Allocation

Strategic Asset

Allocation

• Core (long term) asset allocation for each individual risk profile

• Portfolio Volatility targets considered for each risk profile

• Core (long term) asset allocation for each individual risk profile

• Portfolio Volatility targets considered for each risk profile

• Portfolio tilts based on tactical (shorter term) views on asset classes

• Aims to capture current trends

• Portfolio tilts based on tactical (shorter term) views on asset classes

• Aims to capture current trends

Tactical Asset Allocation

Tactical Asset Allocation

Tactical Changes in Model Portfolios

Investment / Asset Class

Risk Category

Underweight/

Overweight

Rationale Call Status

July -10 Equity Conservative to Growth

Overweight To capitalize on the strong earnings growth prospects & positive fundamentals.

July-10 Long Term Debt Across all risk Profiles

Neutral Expectation of improving government finances on account of better economic prospects and significantly high mobilization in 3G license and broadband auctions

Oct-10 Long Term Debt – Gilt Funds

Risk Averse to Growth

Overweight To capitalize on the expected benefit from softening of yields over the medium Term.

Jan-11 Equity Conservative to Aggressive

Neutral Short term concerns due to Input cost pressures, political uncertainty and rising interest rates scenario could impact corporate earnings growth prospects

Jan-11 Long Term Debt Risk Averse to Aggressive

Neutral Higher inflation pressures could lead to monetary policy action by RBI in the form of rate hikes while rising oil prices could mean higher subsidy burden and affect fiscal deficit for the next fiscal year

Outcome as per ExpectationsMid course correction in strategyOutcome not as per Expectations

Axis Bank Wealth Model portfolios based on varying levels of risk/return:

Suggested Model Portfolios – Risk Profiles

Ultra Short Term Funds

20%

Short Term Funds25%

Fixed Maturity Plans45%

Long Term Income & Gilt

Funds10%

Risk Averse

Equity20%

Ultra Short Term Funds10%

Short Term Funds15%Fixed Maturity

Plans35%

Gold ETF's10%

Long Term Income & GiltFunds

10%

Conservative

Equity Funds35%

Ultra Short Term10%

Fixed Maturity Plans20%

Short Term Funds10%

Long Term Income & Gilt

Funds10%

Other Alternate Assets5%

Gold ETF10%

Balanced

Equity Funds50%

Fixed Maturity Plans10%

Short Term Funds5%

Long Term Inome & Gilt Funds

10%

Ultra Short Term10%

Other Alternate Assets5%

Gold ETF10%

Growth

Equity Funds65%

Ultra Short Term5%

Fixed Maturity Plan5%

Long Term Income Funds

5%

Gold ETF's10%

Other Alternate Assets10%

Aggressive

Performance of Model Portfolios

0%

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

Model Potfolio Benchmark

1Year Returns

0%

5%

10%

15%

20%

25%

30%

35%

40%

Model Potfolio Benchmark

2 year Returns

Returns Std. Dev. Returns Std. Dev. Returns Std. Dev. Returns Std. Dev. Returns Std. Dev.Model Portfolio 7.12% 0.62% 8.80% 5.49% 8.81% 10.22% 9.05% 14.98% 9.49% 21.10%Benchmark 5.31% 0.61% 7.63% 5.77% 7.46% 12.68% 8.16% 17.88% 8.90% 23.08%

Risk Averse Conservative Balanced Growth Aggressive

Note : <i> Returns are 1year point-to-point returns as on 28tth February,2011. <ii> Benchmark is synthetic and includes representative indices based on model asset allocation, <iii> Standard Deviation (Std dev) is 1yr rolling Std dev

Products, Services & Privileges

Comprehensive Product Suite

Mutual Funds

Equity Advisory Services

PMS

Life Insurance

Gold Coins & Bars

Structured Products

Private Equity & Real Estate funds

Investment Solutions

Protection Solutions

General Insurance

Third Party Service Providers

AMCs

SP Issuers

PE players

Axis Bank PartnersMax New York

Life

Bajaj Allianz

Axis Bank Affiliates Axis AMC

Axis Securities & Sales

Axis Trusteeship

Online Broking Products via Associates BPERE

(Global Products)*

* Only through Axis Bank offshore branches

An open architecture platform to access products and services on best terms

Equity Advisory Services

A Complete Investment Management Solutions

• Receive customized guidance aliened to your risk profile and investment goals

• Advice based on facts, backed by time-tested methodologies

• Strong Research support – assists informed decision making

• Regular monitoring of portfolio – to take timely action

Our Investment Principles

• Track stocks primarily from the BSE 200 universe

• Multi-disciplinary methodology – Top down and Bottom up

• Long-term perspective – performance over a period of time

• Focus on absolute returns

• Companies identified through rigorous research

Model Portfolios – A guide to client portfolios

Value Portfolio

Stocks with characteristics such as high dividend yield, low price-to-book ratio, high cash per share to market cap., low price-to-earnings ratio, etc will populate the portfolio.

Ideally for investors with low tolerance for market volatility.

Growth Portfolio

Companies whose earnings are expected to grow at an above-average rate relative to the market or its sector would be selected to form part for the portfolio.

Ideally for investors with a higher degree of risk tolerance.

Support

• Dedicated Wealth Manager

• Equity ideas from a team of experienced equity research

• Access to the Fund

• Advisory Team

Understanding the Investor ProfileUnderstanding the Investor Profile

Portfolio ConstructionPortfolio Construction

Sector AllocationSector Allocation

Security SelectionSecurity Selection

Advice & ExecutionAdvice & Execution

Monitoring & EvaluationMonitoring & Evaluation

Advisory Process

Alternate Assets

• Portfolio Management Services (PMS): Axis Bank Wealth offers Portfolio Management Services managed by third party product providers. These PMS products are managed along specific investment themes / philosophies , and provide our clients with an opportunity to invest in such products

• Private Equity & Real Estate funds: We offer Private Equity & Real Estate funds to our Wealth clients. Private Equity funds provide the clients with an exposure to diversified investments in growth sectors across different industries, whereas Real Estate funds provide clients with an exposure to different investment opportunities within the real estate space. Axis Bank Wealth offers Private Equity and Real Estate funds launched by third party product providers

• Structured Products: Axis Bank Wealth offers Structured Notes issued by third party Issuers. These products enable clients to take a customized view on an asset class without directly investing in the underlying asset class

• Primary and Secondary Bonds: Axis Bank Wealth offers its clients an exposure to various Primary and Secondary market Bond Issuances.

We also provide Corporate Solutions

SME / Mid corporate Lending solutions

SME / Mid corporate Lending solutions

Transaction banking /

cash management solutions

Transaction banking /

cash management solutions

Fx/ TreasurySolutions

Fx/ TreasurySolutions

StructuredFinance

Solutions

StructuredFinance

Solutions

Capital MarketsServices

Capital MarketsServices

Trade servicesTrade

services

Business SolutionsBusiness Solutions

• Your Wealth Manager facilitates interaction between you and specialist product groups within Corporate Banking Group

• These Specialized Solutions Managers understand your needs in greater detail and help provide you the right solution for your business.

• Your Wealth Manager facilitates interaction between you and specialist product groups within Corporate Banking Group

• These Specialized Solutions Managers understand your needs in greater detail and help provide you the right solution for your business.

We have a holistic range of corporate solutions to address your business needs

Client-Centric Investment Management

Investment Advisory

Existing Investments

Existing Investments

New Investments

New Investments

• Customized Portfolio Proposals, based on client’s specific needs, financial position and risk appetite

• Monthly Model Portfolios, comprised of existing products as a ready reference

• Portfolio Review, and suggesting strategies such as rebalancing, profit booking, stop-loss, etc

• Generating Investment Ideas based on Research Inputs, on asset classes and specific products

Suggestions and guidance to clients for building and maintaining their investment portfolios

Our service offerings…because ordinary is for others

‘Fast Track’ Service• Access to exclusive lounges • Speedy services with respect to loans,

cheque book requests, banking transactions etc.

• Dedicated Service Relationship Manager (SRM) to cater you various service needs

Dedicated Wealth Manager• A dedicated Wealth Manager is central to Axis Bank

Wealth Management relationship and is the face of the Bank.

• He/she will be your personal guide to the possibilities of wealth Management and will work closely with

you in achieving your financial goals.

Lifestyle Benefits• Discounts on Tariffs at Prominent Hotels &

resorts• Invitation to Select events

Preferential Pricing• Preferential Pricing on

Loan rates, deposit rates etc.

• Waiver of charges for select services

Key Differentiators

Key Differentiator – Research based solutions

Economic Research• Axis Bank Wealth is backed by a team of highly skilled

research analysts tracking global and Indian macro economic indicators

Investment Research & Advisory• The research team tracks various asset classes - equities, bonds, commodities, and real estate and

recommends appropriate investment ideas• Stock research is based on fundamental analysis and

insights

Product Due Diligence• The Product Team carries out due diligence on various

product providers– Meetings with Top Management and Investment

Teams– Product tie-ups approved by Product Approval

Committee– Periodic reviews of products recommended

• Specific products/ product ideas based on inputs on sectors, industries, asset classes received from the

Research Team

Mutual Fund Research Expertise• Fund House Selection Process

– Short-listing AMCs based on both quantitative and qualitative factors.

– Qualitative parameters- fund management team, their past record, robustness of investment

processes and the risk management systems

– Quantitative parameters - total assets under management and past performance of the funds,

risk-return characteristics etc.

• Mutual Fund Selection Process– Quarterly ranking

– Quantitative parameters- the risk-adjusted return with fund size & years of operation of the fund as

filters.– Qualitative parameters- regular interactions with

the Fund Managers

Our solutions are backed by extensive research expertise

Axis Wealth Advantage

Dedicated Wealth Manager & access to Investment Advisory Services

Well defined process and back-office team in place for portfolio execution

Well defined objective construction of Portfolio

Active tracking & review of Portfolio

Portfolio reports on a periodic basis and on request

Risk Management systems in place

Disclaimer

The services being provided by Axis Bank Limited (“Bank”) to the client are only information services (and other related services) and are not to be construed as investment advice of any type. Further, the Bank does not in any manner guarantee/represent that the information/related services provided/to be provided to the client take into account the individual characteristics of the client and/or will be suited to the client’s individual tax/legal/financial circumstances or needs. In the event that the client seeks to make an investment pursuant to the information provided by the Bank, the client shall do so at its/his/her own risk, and must consult with its/his/her own legal, business and tax advisors to determine the appropriateness and consequences of such an investment, and arrive at an independent evaluation of such investment. The Bank shall not be liable in any manner whatsoever for any loss that may occur due to the client making any investment decision based solely upon the information contained herein.  This document is not an offer, invitation or solicitation of any kind to buy or sell any security and is not intended to create any rights or obligations. Nothing in this document is intended to constitute legal, tax, securities or investment advice, or opinion regarding the appropriateness of any investment, or a solicitation for any security, product or service. The use of any information set out in this document is entirely at the recipient’s own risk. The information set out in this document has been prepared by the Bank based upon projections which have been determined in good faith by it. There can be no assurance that such projections will prove to be accurate. The Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in this document. The information in this document reflects prevailing conditions and the Bank’s views as of this date, all of which are subject to change. In preparing this document the Bank has relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to the Bank, or which was otherwise reviewed by the Bank. Past performance cannot be a guide to future performance