Axis Bank Limited — PPTs, 26-01-2026: Investor Presentation

Axis Bank reported a robust Q3FY26 with Net Profit up 3% YoY to ₹6,490 Cr and Core Operating Profit rising 7% YoY to ₹10,815 Cr. Net Interest Income (NII) grew 5% YoY to ₹14,287 Cr. The bank saw strong growth in Deposits (+15% YoY) and Advances (+14% YoY), driven by Retail (+6% YoY), SME (+22% YoY), and Corporate loans (+27% YoY). Asset quality improved with Gross NPA at 1.40% and Net NPA at 0.42%.

Strategic focus areas include digital-first initiatives and partnerships. Its 'focus segments' (Small Business Banking, SME, Mid-Corporate) now constitute 24% of total loans, growing 22% YoY. Cost efficiency improved, with cost to assets at 2.33%.

Recent developments feature the launch of 'Express Banking Digital Point' and the Google Pay Axis Bank Flex UPI credit card, alongside a ₹80 Cr AI research partnership with Plaksha University. The bank also expanded its domestic branch network to 6,110.

MD & CEO Amitabh Chaudhry emphasized simplifying credit, reimagining digital banking, and investing in talent to strengthen the bank's competitive edge and adapt to evolving customer behavior.