Axis Bank Limited — PPTs, 16-01-2025: Investor Presentation

### Financial Highlights

Axis Bank's Q3FY25 results demonstrate robust growth across major metrics. Total income reached ₹36,926 crore, an increase of 10% YoY, driven by a net interest income of ₹13,606 crore, up 9% YoY. Profit After Tax (PAT) grew 4% YoY to ₹6,304 crore. The capital adequacy ratio stands at a strong 17.01%.

### Strategic Initiatives and Growth Drivers

The Bank continues to focus on deposit growth with total deposits increasing by 9% YoY. The CASA ratio maintained competitiveness at 39%. Key initiatives in the retail segment include digital banking enhancements and increased market penetration in SME and rural lending.

### Business Developments

Axis Bank reported a notable surge in credit cards, acquiring ~0.7 million new cards in Q3FY25, with a 14% market share. The wealth management segment also performed well, with assets under management reaching ₹6.35 trillion.

### Market Position and Competitive Advantage

Axis Bank remains a leader in digital banking, holding approximately a 30% market share in UPI payments. The bank's diversified portfolio across retail, SME, and corporate banking allows it to cater effectively to a wide range of customers.

### Investor Implications

The Bank's performance reflects a positive outlook for sustained growth, driven by strong loan demand and effective risk management. Investors may view this as a solid opportunity for potential returns amidst a competitive banking landscape.