Axis Bank Limited — PPTs, 18-07-2026: Investor Presentation

**Business Performance:** Axis Bank reported a strong Q1FY27. Profit After Tax (PAT) surged 23% YoY to ₹7,114 crore, backed by an 8% increase in Net Interest Income (NII) to ₹14,646 crore. The bank saw robust growth in advances (up 19% YoY) and deposits (up 18% YoY). Corporate loans jumped 38% YoY, SME loans grew 25% YoY, and Retail loans increased 8% YoY. Digital payments remain a strong suit with ~38% UPI market share.

**Growth Drivers or Strategy:** Key strategies include deepening digital transformation via AI-led initiatives (AXIOM) and "open by Axis Bank" for enhanced customer experience and efficiency. Expansion into "Bharat Banking" (rural and semi-urban markets) for inclusive growth and continued focus on premium client segments are also emphasized.

**Recent Developments:** Recent highlights include new 'Family Banking Programs' for Burgundy customers and fully digitized tractor loan processes. AI-assisted operations saw significant scale-up, with millions of documents read and customers onboarded digitally.

**Key Financial Metrics:** Core Operating Profit rose 10% YoY to ₹11,122 crore. Asset quality improved, with Gross NPA at 1.28% (down 29 bps YoY) and Net NPA at 0.39% (down 6 bps YoY). Consolidated ROE was 14.52%.

**Management Commentary / Outlook:** The bank expects to sustain market share gains, driven by digital prowess and expansion into high-potential markets. Management is committed to building an inclusive and sustainable financial ecosystem.