Axis Bank Limited — PPTs, 15-10-2025: Investor Presentation

Here's a concise, retail-friendly summary:

**Business Performance:**

Axis Bank gained market share, with deposits up 11% YoY and advances up 12% YoY. H1FY26 Core Operating Profit grew 4% to ₹20,010 Cr. Q2FY26 Net Interest Income rose 2% YoY to ₹13,745 Cr, and fee income increased 10% YoY to ₹6,037 Cr. Despite this, Q2 net profit declined 26% to ₹5,090 Cr, and H1 net profit fell 16% to ₹10,896 Cr.

**Growth Drivers & Recent Developments:**

The bank drives digital innovation, launching 'Lock FD' and India’s first gold-backed credit line on UPI for MSMEs. It acquired over 1 million new credit cards in Q2FY26, now exceeding 15 million cards in force (~14% market share), and holds a leading ~37% share in UPI Payer PSP volume. Granular growth segments (SBB, SME, Mid-Corporate) contribute ₹2,65,800 Cr to loans.

**Key Financial Metrics:**

Q2FY26 Diluted EPS was ₹64.75 (annualized); Book Value per share: ₹612. Asset quality remains stable with Gross NPA at 1.46% and Net NPA at 0.44%, backed by a 70% provision coverage.

**Management Commentary / Outlook:**

Management aims for an agile, inclusive, and resilient bank, focusing on digital safety, credit access, and empowering entrepreneurs.