24th April 2025 
Q4FY25 Consolidated ROA at 1.88%, Consolidated ROE at 17.11%, PAT at ₹7,117 up 13% QOQ aided by CASA growth
of 10% QOQ and total deposits growth of 7% QOQ
o Q4FY25 Net Interest Margin at 3.97% improving 4 bps QoQ, FY25 NIM at 3.98%
o Q4FY25 Fee income grew 12% YOY and 16% QOQ, Retail fee grew 22% QoQ, granular fees1 at 94% of total fees
o Q4FY25 Core operating profit grew 5% QOQ
o YOY MEB2 | QAB2 basis, total deposits grew 10% | 9%; term deposits grew 14% | 14%, CA grew 6% | 6%, SA grew 3% | 1%
o Net advances grew 8% YOY and 3% QOQ
o Retail loans grew 7% | 3%, SME grew 14% | 4% on YOY | QOQ basis, Corporate loans grew 8% YOY
o Overall CAR stood at 17.07% with CET 1 ratio of 14.67%, net accretion to CET-1 of 93 bps in FY25, 6 bps in Q4FY25
o Continue to be amongst the largest player in Merchant Acquiring business with terminal market share3 of ~19%
o Bank maintains strong position in UPI Payer PSP space with a market share of ~32% by UPI volumes
o FY25 Operating expense growth moderated to 6.5%, Operating profit at ₹42,104 crores, up 13% YOY
o FY25 PAT at ₹26,373 crores up 6% YOY, Consolidated ROA at 1.77%, Consolidated ROE at 16.89%
The Board of Directors of Axis Bank Limited approved the financial results for the quarter and year ended 31st March 2025 at its meeting held in Mumbai on Thursday, 24th April 2025
This quarter was marked by several industry-first initiatives at the Bank. Axis Bank was the first Indian bank to execute an aircraft financing transaction through its International Banking Unit (IBU) at GIFT City IFSC, facilitating a USD loan for the purchase of 34 training aircraft by Air India. It also became the first financial institution in India to launch near-real-time, 24/7 programmable USD clearing capabilities for
its commercial clients using Kinexys Digital Payments. These capabilities amongst others launched during the year, positions Axis Bank’s International Banking Unit as the transaction bank of choice operating out of GIFT City.
The Bank hosted Defence Conclave 2025 to bolster India’s defence ecosystem through improved financial access and strategic innovation. Burgundy Private, Axis Bank’s private banking business partnered with Hurun India to release the ‘2024 Burgundy Private
Hurun India 500’, showcasing India’s most valuable companies that contribute a sizeable chunk to the nation’s GDP and employment.The Bank also partnered with India SME Forum to present ‘The India SME 100 Awards 2025’, celebrating the outstanding contribution ofMSMEs to India’s growth story.
Strengthening its commitment to social impact, Axis Bank launched ‘Mission4Million’ to assist 2 million additional vulnerable households through livelihood programs and skill development initiatives. The Bank also entered strategic multi-year partnerships with the National Cancer Grid, Indian Cancer Society, and St. Jude India to enhance cancer care access and research, benefiting around 8 lakh Indians
The Bank won several prestigious awards on platforms of eminence last quarter, including the BT-KPMG Award for Best Bank for Talent and Workforce; Triple A Asset Award for Best Deal in Sustainable Finance, Best Bond for NBFI and Airport; ICAI Silver Shield for Excellence in Financial Reporting FY23-24 and IBA Banking Technology Citations 2024 for Best Technology Bank.
Amitabh Chaudhry, MD&CEO, Axis Bank said, “The Bank prioritised profitability over growth, considering the uncertain macros and tight liquidity environment dominating most of FY25, while continuing to meaningfully invest in making the franchise more sustainable. As we enter FY26, we believe the operating environment is improving, which should help us drive both growth and profitability.”
Dividend
The Board of Directors has recommended dividend of `1 per equity share of face value of `2 per equity share for the year
ended 31st March 2025. This would be subject to approval by the shareholders at the next annual general meeting
Key Subsidiaries’ Performance
• The Bank’s domestic subsidiaries delivered steady performance with FY25 PAT of `1,768 crores, up 11% YOY.
• Axis Finance: Axis Finance has been investing in building a strong customer focused franchise. Its overall assets under finance grew 22% YOY. Retail book grew 28% YOY and constituted 47% of total loans. The focus in its wholesale business continues to be on well rated companies and cash flow backed transactions. Axis Finance remains well capitalized with total Capital Adequacy Ratio of 20.90%. The book quality remains strong with net NPA at 0.37%. Axis Finance FY25 PAT was `676 crores, up 11% YOY from `610 crores in FY24.
• Axis AMC: Axis AMC’s overall QAAUM grew 17% YOY to `3,21,506 crores. Its FY25 PAT was `501 crores, up 21% YOY from `414 crores in FY24.
• Axis Capital: Axis Capital FY25 PAT was `161 crores, up 7% YOY from `150 crores in FY24 and completed 44 ECM transactions in FY25.
• Axis Securities: Axis Securities’ revenues for FY25 grew 45% YOY to `1,656 crores. Its FY25 PAT grew 39%
YOY and stood at `419 crores.
