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

Financial Highlights: In Q3FY25, Axis Bank reported a net interest income (NII) increase of 9% YoY to ₹13,606 crore, with net interest margins (NIM) at 3.93%. Operating profit grew 15% YoY to ₹10,534 crore, driving a net profit rise of 4% YoY to ₹6,304 crore. For the nine months of FY25, the Bank achieved a consolidated Return on Assets (ROA) of 1.71% and Return on Equity (ROE) of 15.8%.

Strategic Initiatives and Growth Drivers: The Bank launched significant initiatives including a $500 million climate-focused loan with IFC and ARISE Women’s Savings Account for female customers. The digital landscape saw notable growth, with the Axis Mobile app reaching a high usage rate, and strong growth in UPI transactions.

Business Developments: Axis Bank maintained its leadership in the UPI payments sector with approximately 30% market share and expanded its deposit base by 13% on a quarterly average balance basis.

Market Position and Competitive Advantage: Axis Bank has established itself as a significant player in digital banking, evidenced by its high borrower ratings on financial apps. Its strategic focus on retail, SME, and corporate banking offers continued growth potential.

Investor Implications: The positive operational metrics and innovative advancements suggest a favorable outlook for investors, with strong performance indicators that may lead to sustained profitability in upcoming quarters.