Axis Bank Limited — PPTs, 25-04-2026: Investor Presentation

Axis Bank closed FY26 strong! Q4 Net Profit hit ₹7,071 Cr, up 9% QoQ, with full-year PAT at ₹24,457 Cr. Net Interest Income (NII) grew 5% YoY to ₹14,457 Cr, and Net Interest Margin (NIM) remained steady at 3.62%. Fee income also saw a healthy 8% QoQ rise.

The bank achieved robust growth in deposits, up 14% YoY to ₹13,35,834 Cr, and advances surged 19% YoY to ₹12,33,570 Cr. Retail loans increased 8% YoY, SME a solid 24% YoY, and Corporate loans an impressive 38% YoY.

Growth is powered by its "House of GPS" strategy, emphasizing customer centricity, 'Bharat Banking' in rural areas, and AI-led digital initiatives like 'Axiom'. Recent highlights include new digital security features, partnerships with Tesla and IndiGo, and expanding its branch network.

Asset quality showed improvement: Gross NPA dropped to 1.23% (down 17 bps QoQ) and Net NPA to 0.37%. Capital Adequacy Ratio (CAR) is healthy at 16.42%. Management expressed confidence for the new year, focusing on building a resilient franchise while remaining cautious about global economic trends. The bank also made a proactive ₹2,001 Cr provision for standard assets, reflecting conservative risk management.