Axis Bank Limited · NSE:AXISBANK
Axis Bank — Q1 FY27 Earnings Presentation
69 slides from Axis Bank's earnings presentation, Jul 18, 2026
Slide 1: Regulation 30 disclosure cover letter
AXIS/CO/CS/261/2026-27 July 18, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, P. J. Towers, Plot No. C/1, “G” Block Dalal Street Bandra-Kurla Complex Fort, Mumbai – 400 001 Bandra (E), Mumbai – 400 051 NSE Symbol: AXISBANK BSE Scrip Code: 532215 Dear Sir/Madam, REF.: DISC
Slide 2: Investor Presentation Quarterly Results Q1FY27
Investor Presentation Quarterly Results Q1FY27 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB
Slide 3: Axis Bank at a glance
Axis Bank at a glance 3rd ~ 54 mn 1,00,700+ 6,295 Axis Bank Employees Branches 1 largest Private Bank in India Customers Traditional Banking Segment Digital Banking Segment Market Share 5.4% 5.1% 5.7% ~ 38% ~ 13.4% Assets 2 Deposits 2 Advances 2 UPI 3 Credit Cards 4 Profitability 14.52% 3.46% 2.47%
Slide 4: Executive Summary
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 3
Slide 5: Major highlights for Q1FY27
Major highlights for Q1FY27 PAT up 23% YOY driven by positive operating jaws and stable asset quality; Market share gains across deposits and advances, deposits up 18% YOY, advances up 19% YOY • Operating profit at ₹11,659 crores, up 16% QOQ; Core operating profit at ₹11,122 crores, up 5% QOQ Stable
Slide 6: Key metrics for Q1FY27
Key metrics for Q1FY27 Snapshot (As on 30th June 2026) Deposits Advances Absolute (₹ Cr) 3 18% YOY 4 19% YOY Q1FY27 Q1FY26 Q4FY26 YOY QOQ 18% YOY Net Interest Income 14,646 13,560 14,457 8% 1% Fee Income 6,156 5,746 6,561 7% (6%) Profit & Loss Operating Expenses 9,722 9,303 10,466 5% (7%) 34% 38% Op
Slide 7: Financial Highlights
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 6
Slide 8: Deposit and Loan growth performance
Deposit and Loan growth performance All figures in ₹ billion Deposit mix (QAB)1 Segment loan mix YOY QOQ 13,048 YOY QOQ 18% 6% 11,974 12,265 12,616 12,336 19% 2% 11,397 11,590 11,048 11,167 10,597 4,129 4,344 38% 5% 3,497 3,751 8,234 21% 7% (34%) 7,682 3,159 7,492 (63%) 6,806 7,057 1,516 25% 3% 1,31
Slide 9: Operating Performance
Operating Performance Operating revenue Operating expense All figures in ₹ Crores 7% 6% 5% 5% YOY QOQ 20,818 21,382 3% 4% 2% 20,369 20,512 20,480 YOY QOQ 7,258 6,226 6,023 6,736 9,957 9,637 10,466 9,722 5% 7% 6,625 7% 12% 9,303 6,041 6,839 7,352 6,664 10% 9% 6,865 13,560 13,745 14,286 14,457 14,646
Slide 10: Net interest margin trend
Net interest margin trend Advances mix by rate type Cost of Funds MCLR Duration Split (June-26) 26% 3%0.3% 1M, 3% 0.3 7% % 3M, 1% 5.50% 5.43% 5.44% 5.45% 5.46% 5.39% 5.35% ~ 74% of 6M, 1% 5.17% 5.15% loans 5.07% 5.06% 5.04% 5.03% floating 61% 12M, 4% 1 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY2
Slide 11: NIM has seen structural improvement led by multiple drivers
NIM has seen structural improvement led by multiple drivers 1 Improvement in balance sheet mix Reducing share of low yielding 3 Composition reflected through 2 RIDF bonds average1 CASA% Loans and investments as % of total assets 86% 88% 89% 89% 88% 2.3% 1.5% 43.6% 42.5% 30,564 39.3% 0.9% 37.8% 36.9%
Slide 12: Healthy growth in fees; granularity built across our business segments
Healthy growth in fees; granularity built across our business segments All figures in ₹ Crores Retail Banking fees Retail fee mix 2% YOY 45% 44% 4,833 38% 32% 4,269 4,358 4,051 4,152 24% 21% 15% 15% 17% 16% 15% 18% TPP Retail Cards & Payments Retail Assets excl cards & Retail Liabilities & others pa
Slide 13: Operating expenses grew at 5% YOY
Operating expenses grew at 5% YOY All figures in ₹ Crores Break-up of operating expenses Increase in volume linked and technology cost offset by lower statutory expenses - 3% 8% 6% 2% YOY% 5% -7%1 38% 44% 17% % in growth -5%2 10,466 160 186 73 9,303 9,722 Business Investments Includes impact volumes
Slide 14: AXIOM: Building an AI-led, customer-centric bank
AXIOM: Building an AI-led, customer-centric bank Our AI operating model is driven by a platform approach with reusable capabilities AXIOM Operating AXIOM Capability Model Platform 5 focus areas driving AI Reusable, governed capabilities industrialization creating enterprise-wide impact FROM USE CASE
Slide 15: AXIOM in Action: Q1FY27 - Progress at a glance
AXIOM in Action: Q1FY27 - Progress at a glance A Zero Ops ~34 Mn AI- assisted doc reading ~1.05 Mn AI-assisted Onboarding Conversational F Sales & Service Collections: Bot-based Customer chat O B Interface for 0.75 Mn+ 18 Mn+ 2.8 Mn+ interactions Customers Bot based interactions calling C U S Enterp
Slide 16: Capital and Liquidity Position
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 15
Slide 17: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio 18.54% 17.64% 0.72%* 0.46% 16.63% 17.07% 16.42% 16.67% 14.64% 2.20% 14.38% 3.07% 2.00% 1.32% 1.10% 2.43% 1.64% 0.40% 0.40% 0.71% 0.55% 0.46% 15.24% 14.67% 14.38% 14.64% 14.02% 13.74% CET-1 Mar'26 Accretion Consumption CET-
Slide 18: Business Segment Performance
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 17
Slide 19: Retail Banking
Retail Banking ~51 Mn 4th `7.54 T n Individual Largest issuer of AUM in wealth customers Credit Cards management 8% 16% 54% YOY growth in YOY growth in Share of Retail advances Rural advances Advances1 14% | 14% 38% 67% YOY Growth in SA CASA ratio Share in QAB2 | MEB3 deposits (MEB3) total fee4 1 Sh
Slide 20: The Deposit journey for Axis Bank should be looked at from three aspects
The Deposit journey for Axis Bank should be looked at from three aspects… 1 2 3 … growing faster than the industry aided by We continue to work on improving the …with controlled movement in cost of deposits granularization in order to improve the over the last 2 years and… improved acquisition and c
Slide 21: Led by multiple initiatives across the Bank
…led by multiple initiatives across the Bank Focus on Productivity & Exclusively curated Digital, transformation Premiumization Bharat Banking Partnerships Micro market strategy product propositions SA New to Bank deposits1 up 30% CAGR in Burgundy 17% YOY growth in Salary ~ 19K extensive distributio
Slide 22: Amongst the leading players in India's Wealth Management space
Amongst the leading players in India’s Wealth Management space All figures In ₹ trillion Overall Burgundy AUM has grown strongly 30% CAGR1 20% YOY 7.54 6.78 5.92 5.37 3.57 2.61 2.13 1.47 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 16% YOY Burgundy Private AUM ₹2.68 Tn 25% YOY Burgundy Pr
Slide 23: ₹6.8 trillion Retail loan book remains well diversified
₹6.8 trillion Retail loan book remains well diversified ~ 73% of our retail book is secured (1) Retail book (in ₹ billion) in ₹ Crores Jun-26 QOQ YOY % Prop Home Loans 1,73,787 - 5% 26% 8% 8% 6% 6% 6% 2 YOY Rural loans 1,17,211 (1%) 16% 17% MFI loans are ~3.7% of retail loans, of which ~1.2% is reta
Slide 24: Small Business Banking segment
Small Business Banking segment All figures in ₹ Crores SBB Portfolio Well diversified customer base2 18% YOY 2% QOQ 11% • ₹79,468 crores overall book with Business Loan (unsecured) book of ₹18,187 crores 23% 78,018 79,468 10% • ~72% value contribution from Secured products 66,757 2% 17,854 18,187 (w
Slide 25: Trend in Credit Card issuances
Trend in Credit Card issuances Axis Bank Magnus Credit Card Card issuances continue to remain strong In million 1.21 1.26 1.24 1.11 1.06 1.07 1.10 0.96 0.95 0.92 0.77 0.79 0.68 Indian Oil Axis Bank Credit Card Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27
Slide 26: Trend in Card spends and POS terminals
Trend in Card spends and POS terminals ‘GRAB DEALS’, Axis Bank's exclusive shopping platform has scaled up significantly Ranked amongst the largest Merchant Acquiring Bank led by ‘One Axis’ focus, improved product capabilities ₹31 crores GMV (Q1FY27) ~0.5 lakh transactions (Q1FY27) and partnerships
Slide 27: Driving the next phase of growth in Bharat
Driving the next phase of growth in Bharat through Scale, distinctiveness and sustainable value creation • Building integrated rural ecosystem to deepen customer engagement and unlock multi-product growth opportunities • Lending opportunities in RuSu markets is complementing the Bank’s overall PSL s
Slide 28: We have a very well distributed branch network
We have a very well distributed branch network Branch presence across categories Axis Virtual Centre Domestic branch network1 7% YOY 6,275 6,295 19% 5,876 31% 5,377 4,903 ~4.2 mn 8 Customer connect 2 Centers 28% 1,700 22% Virtual RMs Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Metro Urban Semi-Urban Rural •
Slide 29: Corporate & Commercial Banking
Corporate & Commercial Banking 38% 25% 27% YOY growth in YOY growth in YOY growth in Corporate loans SME loans Mid Corporate loans 13% 91% 87% YOY growth in Share of corporate Incremental sanctions Transactional Banking fees, advances to clients to A-and above1 forex & trade rated A-and above (for Q
Slide 30: Strong relationship led franchise driving synergies across One Axis entities
Strong relationship led franchise driving synergies across One Axis entities… We have re-oriented the organisation structure in Corporate & Commercial Banking for delivering execution excellence • Segregated the responsibilities of coverage and product groups to ensure sharper focus • Corporate & Co
Slide 31: With 91% of the book rated A- and above
…with 91% of the book rated A- and above 91% of the corporate loan book is Corporate Loans Overseas corporate loan book rated A- or better In ₹ Cr YOY QOQ • 84% is India linked based on standard book • 69% of book as on 30.06.2026 is rated AA- & above • 98% is rated A- and above based on standard bo
Slide 32: We have a strong Transaction Banking proposition
We have a strong Transaction Banking proposition NEFT Volume Payment Market Share IMPS Volume Market Share 3 Market Share at Market share at 38% (Jun 261) 27% (Jun 261) Foreign LC Market Share2 BBPS Value Market Share 3 Market Share at Market Share at 11% (Jun 261) 16% (Jun 261) 4 RTGS Value Payment
Slide 33: Well placed to benefit from a vibrant Corporate Bond market
We remain well placed to benefit from a vibrant Corporate Bond market Placement & Syndication of Debt Issues All figures in ₹ Crores Movement in corporate bonds Amount mobilized / arranged1 Market share and Rank2 14% 14% 13% 12% 1st 1st 12% 47,492 30,703 21.0% 20.8% 51,550 51,938 48,948 48,355 44,35
Slide 34: neo by Axis Bank | Empowering Businesses with Digital Solutions
neo by Axis Bank | Empowering Businesses with Cutting-Edge Digital Solutions from Account Opening to Seamless Web & Mobile Experiences Transformational Impact of Neo reflected in …with a fully digital application that sets new standards for the strong product-market fit supported by Highly rated Mob
Slide 35: Industry-wise Distribution (Top 10)
Industry-wise Distribution (Top 10) All figures in ` Crores Outstanding1 as on 30th Jun’26 Total Rank Advances Investments Non-fund based Sectors Value (in % terms) 1. Financial Companies2 1,10,338 35,569 57,688 2,03,595 13.01% 2. Engineering & Electronics 30,003 - 44,458 74,461 4.76% 3. Power Gener
Slide 36: Business Performance: Commercial Banking
Business Performance Commercial Banking
Slide 37: Strong growth in SBB+SME+MC book despite tightening risk standards
Strong growth in SBB+SME+MC book despite tightening our risk standards All figures in ` Crores 23% 24% 21% 27%1 CAGR2 19% 20% 15% 306,086 32% CAGR2 209,985 247,172 74,999 27% 58,956 CAGR2 in combined MSME, MC and 171,242 47,579 22% CAGR2 SBB segment 130,355 38,465 151,619 120,872 93,166 28,021 104,0
Slide 38: Commercial Banking
Commercial Banking • One of the most profitable segments of the Bank with high PSL coverage • Data driven credit decisions, simplified products and digitized operations aiding higher business growth SME1 Advances All figures in ` bn 13% 15% 15% 16% 16% 25% YOY 3% QOQ 87% 85% 85% 84% 84% 1,472 1,516
Slide 39: SME lending
SME lending Book by Loan size Well diversified Geographical mix Well diversified Sectoral mix 2% 9% 18% 25% 10% 15% 27% 13% 29% 17% 19% 8% 15% 16% 29% 8% 2% South 2 West 2 East & others 2% Less than 5 cr 5 cr to 10 cr 2% 6% West 1 North 1 North 2 3% 10 cr to 25 cr More than 25 cr South 1 South 3 3%
Slide 40: Digital Banking
Digital Banking 98% 92% 46% 66% 48% 74% Digital Credit cards New MF SIP New SA Individual RTDs PL disbursed (end-to-end digital) transactions1 issued2 (Q1FY27) volume (Q1FY27) acquisition3 value (Q1FY27) (in Q1FY27) D2C products 250+ 300+ 4.8 16 Mn+ 480 4,400+ Services on Employee tool Mobile App 4
Slide 41: Our digital strategy: open by Axis Bank
Our digital strategy: open by Axis Bank Open by Axis Bank – A Fully Digital Bank within the Bank Proprietary, distinctive digital - Distinctive In-house Digital Capability across People, Tech & Processes A native capabilities Acquire New Customers at Scale - 48% of retail individual TDs acquired dig
Slide 42: open by Axis Bank is a one stop solution for digital banking
open by Axis Bank is a one stop solution for all the digital banking needs having: Leadership in technology with several A industry firsts B Distinctive customer experience C We continue tobased scale up Account Aggregator use cases 1st 76% 5.6x ~1.5 m 99.69% of Branch service request YOY growth in
Slide 43: UPI has scaled up tremendously to become a key channel
UPI has scaled up tremendously to become a key channel for customer transactions We have developed best-in-class UPI stack that enables us to offer cutting edge customized solutions across SDK, Intent, Collect and Pay offerings apart from new use cases like UPI AutoPay Dedicated IT cloud infrastruct
Slide 44: Asset Quality
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 43
Slide 45: GNPA, NNPA, slippages and credit costs improved YOY
GNPA, NNPA, slippages and credit costs improved YOY GNPA at 1.28% & NNPA at 0.39% Segmental composition Retail CBG WBG Total 1 1 1 1 66% 64% 90% 70% 1.57% 1.46% 1.40% 1.23% 1.28% 1.98% 0.45% 0.44% 0.42% 0.37% 0.39% 0.50% 0.67% 1.28% 0.70% 0.39% 0.26% 0.05% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 GNPA NNP
Slide 46: Detailed walk of NPAs over recent quarters
Detailed walk of NPAs over recent quarters All figures in ₹ Crores Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Gross NPAs - Opening balance A 14,490 17,765 17,308 17,167 16,084 Fresh slippages B 8,200 5,696 6,007 4,675 5,566 Upgradations & Recoveries C 2,147 2,887 2,872 2,662 2,126 Write offs D 2,778 3,266 3
Slide 47: Sustainability
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 46
Slide 48: ESG focus continues to have Bank-wide sponsorship
ESG focus continues to have Bank-wide sponsorship Our Purpose Statement: Banking that leads to a more inclusive and equitable economy, thriving community and a healthier planet Steady Performance on Global ESG Benchmarks Latest S&P DJSI ESG Environmental Social Governance Score 2025 - 58 ₹61,348 Cr
Slide 49: Committed to Positive Climate Action and Achieving the SDGs
Committed to Positive Climate Action and Achieving the SDGs In September 2021, the Bank announced commitments aimed at supporting India’s low-carbon and equitable economic transition towards achieving the SDGs and India’s commitments under the Paris Agreement Our Commitment Unit Achievement as on FY
Slide 50: Sparsh: Building a Customer-Led Growth Engine
Sparsh: Building a Customer-Led Growth Engine A bank-wide operating discipline, measured by NPS, powered by AI, delivered at every touchpoint. NPS Digital Enablers NPS momentum reflects improved quality and consistency of customer Sparsh is scaling consistent customer interactions through AI & CX pl
Slide 51: Subsidiaries' Performance
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 50
Slide 52: Continue to create significant value in our key group entities
Continue to create significant value in our key group entities One Axis Group Investment Banking Consumer Retail Fintech Asset Management Trustee TReDS platform Insurance & Inst Equities focused NBFC Brokerage platform Among the prominent MF Among the leaders in AAA rated NBFC with Amongst the leadi
Slide 53: Axis Finance: PAT up 29% YOY, Retail up 22% YOY
Axis Finance : PAT up 29% YOY, Retail up 22% YOY All figures in ₹ Crores Healthy growth in Assets Under Management Robust operating and asset quality metrics 27% CAGR1 28% YOY Book Highlights CAGR1 YOY 51,592 22% CAGR1 29% YOY AUM 30% 21% 48,175 Retail 45% 22% 42,735 85% of the book is secured 40,14
Slide 54: Axis AMC: PAT up 3% YOY
Axis AMC : PAT up 3% YOY All figures in ₹ Crores 9% CAGR1 Overall QAAUM 10% YOY AAUM Asset by Class 14% CAGR2 Trend in PAT 3% YOY 359,601 369,030 321,506 335,607 8% 5% 20% 259,818 274,265 241,415 596 501 415 414 357 16% 130 134 51% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 FY22 FY23 FY24 FY25
Slide 55: Axis Capital: PAT up 72% YOY
Axis Capital : PAT up 72% YOY, Amongst the leader in the Full-Service Investment Banking Investment Banking Highlights Institutional Equities Highlights • Announced Investment Banking transactions across Capital Markets, Private Placement & Advisory in Q1FY27 including 8 ECM & 3 Non-ECM transactions
Slide 56: Axis Securities: 10% YOY growth in customer base
Axis Securities : 10% YOY growth in customer base 14% CAGR1 Total customer base (in mn) 10% YOY Major Highlights 7.09 7.19 6.36 6.52 5.55 • 47% of the volumes in Q1FY27 was from Mobile trading 4.86 4.17 • 60% of clients traded through Axis Direct Mobile App in Q1FY27 Mar'22 Mar'23 Mar'24 Mar'25 Mar'
Slide 57: Axis Trustee: PAT up 37% YOY
Axis Trustee: PAT up 37% YOY Major Highlights • New Business contributed 45% of Total Operating Income, supported by 29% YoY Revenue Growth, driven by strong performance across Debenture Trustee, Security Trustee and Escrow Agent businesses • PRISM – Launch of industry first customer portal • Debent
Slide 58: Invoicemart setting a new benchmark in TReDS
Invoicemart setting a new benchmark in TReDS • A.TREDS Ltd digital invoice discounting platform ‘Invoicemart’ has set a new benchmark by facilitating financing of MSME Progress so far (Jul’17 to Jun’26) invoices of more than ₹3,05,000 crs+ Throughput • Invoicemart has helped in price discovery for M
Slide 59: FreechargeBiz: Focus on Profitability and Scaling Lending
FreechargeBiz: Focus on Profitability and Scaling Lending & Financial Services Businesses BC - Merchant Business BC - Consumer Payments & Financial Services • Continue to scale Unsecured Business Loan business – grew by 60% in • Microfinance (MFI) business continues to scale – now stable across 220
Slide 60: Other Important Information
Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information Quarterly Results Q1FY27 59
Slide 61: Awards and recognitions
Our winning mindset is reflected in multiple awards and recognitions… Won “Infosys Finacle Innovation Award 2026”, for Business Model Burgundy Private Won ‘Best Private Innovation – Multibank Sweep Won “Best Mobile Banking Bank for Digitally Empowering Won “Digital Innovation in Banking Implementati
Slide 62: Shareholding Pattern (as on Jun 30, 2026)
Shareholding Pattern (as on Jun 30, 2026) Life Insurance Corporation Others 7.87% 6.44% Foreign Institutional GDR's Investors 3.09% 39.91% Indian Institutions 42.69% ▪ Share Capital `622 crores ▪ Shareholders’ Funds `2,11,693 crores ▪ Book Value Per Share `681 ▪ Diluted EPS (Q1FY27) (Annualised) `91
Slide 63: Financial Performance
Financial Performance Financial Performance (₹ crores) Q1FY27 Q1FY26 % Growth Interest Income A 33,986 31,064 9% Other Income B = C+D+E 6,735 7,258 (7%) - Fee Income C 6,156 5,746 7% - Trading Income D 537 1,420 (62%) - Miscellaneous Income E 42 92 (54%) Total Income F = A+B 40,721 38,322 6% Interes
Slide 64: Financial Performance ($ mn)
Financial Performance Financial Performance ($ mn) Q1FY27 Q1FY26 % Growth Interest Income A 3,590 3,281 9% Other Income B = C+D+E 712 767 (7%) - Fee Income C 650 607 7% - Trading Income D 57 150 (62%) - Miscellaneous Income E 4 10 (54%) Total Income F = A+B 4,302 4,048 6% Interest Expended G 2,043 1
Slide 65: Balance Sheet
Balance Sheet Balance Sheet As on 30th Jun’26 As on 30th Jun’25 As on 30th Jun’26 As on 30th Jun’25 % Growth CAPITAL AND LIABILITIES In ` Crores In ` Crores in $ Mn in $ Mn Capital 622 620 66 66 0.3% Reserves & Surplus 2,11,071 1,84,175 22,297 19,456 15% ESOP Outstanding 1,346 1,124 142 119 20% Depo
Slide 66: Legacy asset quality issues adequately addressed
Legacy asset quality issues adequately addressed Overall Credit Costs: FY12 to Q1FY27 3.57% Trend in BB corporate book 3.53% (Fund based as % of GCA) 7.29% Credit Cost 2.82% Net Credit Cost 2.78% 15 year rolling 2.15% average (FY12-26) 1.91% 1.32% 1.87% 0.13% 1.89% Jun'16 Mar'19 Jun'26 1.56% 1.68% 1
Slide 67: Limited restructuring, largely secured and well provided
Limited restructuring, largely secured and well provided All figures in ₹ Crores Bank’s Net NPA1 and Fund based BB and Below 1 portfolio Update on restructured book PCR (excluding technical write offs) at 70%; net NPA at 0.39% Outstanding Covid (1+2) restructuring as on 30.06.2026 Implemented Bank 9
Slide 68: Safe Harbor
Safe Harbor Except for the historical information contained herein, statements in this release which contain words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to”, “futu
Slide 69: Thank You
Thank You Quarterly Results Q1FY27 68