Axis Bank Limited — PPTs, 24-04-2025: Investor Presentation

**Financial Highlights:**

For the quarter, Axis Bank reported a consolidated PAT of ₹7,117 crore, marking a 13% QoQ increase, supported by a 10% growth in CASA and 7% total deposits. Q4FY25 NIM stood at 3.97%, while FY25 NIM reached 3.98%. The bank's operating profit increased by 2% YoY to ₹10,752 crore, and core operating profit rose 11% YoY to ₹10,575 crore. PAT for FY25 was ₹26,373 crore, reflecting a growth of 6% YoY.

**Strategic Initiatives and Growth Drivers:**

The bank hosted the Defence Conclave 2025 and initiated 'Mission4Million' to assist vulnerable households, enhancing social impact. It also launched programmable USD clearing capabilities for clients and completed an industry-first aircraft financing deal.

**Business Developments:**

Axis Bank added 170 branches in FY25, enhancing its network to 5,876 domestic branches. Market share in credit cards reached ~14%, continuing to strengthen its position in digital banking.

**Market Position and Competitive Advantage:**

The bank remains a leader in UPI payments with a ~32% market share by volumes and ~19% in merchant acquiring.

**Investor Implications:**

With a solid financial performance and strategic initiatives to boost social impact and market positioning, Axis Bank appears well-positioned for continued growth, making it a stock to watch closely.