A STUDY OF RATIO ANALYSIS OF AXIS BANK

Abstract

The banking sector plays a vital role in the financial development of any economy, and financial ratio analysis is a critical tool to evaluate a bank’s financial health. This study focuses on Axis Bank, one of India’s largest private sector banks, and applies ratio analysis to understand its financial strength, profitability, efficiency, and liquidity over the past five years. The research emphasizes key ratios such as Capital Adequacy Ratio, Net Interest Margin, Return on Assets, Return on Equity, and Gross/Net NPA Ratios. This study not only assesses the bank’s financial performance but also introduces software tools and data analytics platforms like Excel, Tableau, Python (Pandas, Matplotlib), and Power BI to visualize trends and support strategic decision-making. The integration of data-driven insights from software technologies enhances the depth of financial analysis, making the study relevant for financial analysts, banking professionals, and management decision-makers. Additionally, the rise of digital banking and FinTech has revolutionized traditional banking operations. Therefore, this study aims to bridge the gap between conventional financial reporting and modern analytical systems. The goal is to offer not only performance evaluation but also strategic recommendations powered by software intelligence. The paper concludes by presenting predictive trends for Axis Bank's financial stability using regression analysis and ratio forecasting models, highlighting the advantages of integrating finance with data science.