Slide 1: Exchange filing cover letter: analysts/institutional investors meet
AXIS/CO/CS/101/2022-23 May 31, 2022 Chief Manager, The Deputy General Manager, Listing & Compliance Department Listing Department National Stock Exchange of India Limited BSE Limited Exchange Plaza, 5th Floor 1st Floor, New Trading Ring, Plot No. C/1, “G” Block Rotunda Building Bandra-Kurla Complex
Slide 2: Details of investor meet
Date Particulars Location May 30, 2022 Virtual webinar organized by Marcellus Investment Virtual Managers
Slide 3: Investor Presentation: Annual Results FY 21-22
Investor Presentation Annual Results FY 21-22 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB
Slide 4: Axis Bank at a glance
Axis Bank at a glance Axis Bank 3rd largest 4,758 85,500+ 5th straight year Private Bank in India Branches* Employees Constituent of FTSE 4Good EI ^ Traditional Banking Segment Digital Banking Segment Market Share 5.0% 4.8% 6.0% 15% 14% 12% 1 Assets # # Deposits # Advances # UPI Mobile** Credit Card
Slide 5: Three core areas of execution to move forward on our GPS strategy
Three core areas of execution to move forward on our GPS strategy A Deepening a performance driven culture i. Lifted the growth trajectory across business segments ii. Improving profitability metrics iii. Fostering a winning mindset B Strengthening the core i. Built a strong balance sheet ii. Buildi
Slide 6: Lifted growth trajectory across business segments
A Lifted growth trajectory across business segments… 1 CASA deposits Loan growth Credit cards Market Share Burgundy AUM Rs Tn 19% YOY 3 yr CAGR In Mn Rs Tn 22% YOY 16% CAGR^ 25% CAGR^ 17% 2.61 3.3 13% 17.0% 2.13 2.8 12.7% 1.47 7% 11.5% 12.0% 1.33 2.4 2.1 Mar'19 Mar'20 Mar'21 Mar'22 Industry Axis Ban
Slide 7: Our winning mindset is reflected in multiple awards and recognitions
A Our winning mindset is reflected in multiple awards and recognitions… 4th largest Wealth Management business - India ‘Most Recommended Retail Asian Private Banker “Best Retail Bank India” Best CRM System ‘Financial Inclusion Initiative of Bank in India’ and ‘Most 2020 League Table for the year 202
Slide 8: Many all-time highs across different segments
A …substantiated by many ‘all-time highs’ across different segments New savings account opened New credit cards issued Overall retail disbursements (in mn) (in mn) (indexed) 53% YOY 170% YOY 49% YOY 4.34 186 2.67 3.55 1.96 1.94 125 125 2.95 2.84 100 0.99 FY19 FY20 FY21 FY22 FY19 FY20 FY21 FY22 FY19
Slide 9: Strong momentum in Retail Bank across all businesses
A Strong momentum in Retail Bank across all businesses Deposits Burgundy Wealth Cards and Payments management Retail loans Bharat Banking • 19% YOY growth in overall • 2.6 trillion Burgundy • 18% CAGR growth in • 17% incremental market • 29% YOY growth in SA QAB deposits assets under management reta
Slide 10: Citi deal provides significant boost to key retail segments
A Citi deal provides significant boost to key retail segments, aligned to our premiumization strategy Proforma Financial information Credit Cards ENR (INR bn) CASA Deposits (%) 2% 200bps 89 56% 247 47% 158 158 45% 45% Axis Bank Citibank Combined (Proforma) Axis Bank Increment due to Combined Cit
Slide 11: Best and most comprehensive Wholesale Banking franchise
A Amongst the best and most comprehensive Wholesale Banking franchise for our customers Growth in focus Project Neo Transaction Banking Leadership in DCM One Axis segments Digital transformation • 26% YOY growth in CBG • 12% Foreign LC Market • 18% market share in • Deliver One Axis by being • Digit
Slide 12: Built a strong balance sheet with improving return ratios
B Built a strong balance sheet with improving return ratios to drive our GPS aspirations Our asset quality is now best in class… … with adequate capital position … and improvement in return ratios 1.6 0% 1.5% 75.0% 1.2% 80. 00% 72.0% PCR 1.4 0% 75. 00% 69.0% CET 1 CAR (AT1 + Tier 2) CAR 1.2 0% ROA 7
Slide 13: Building next generation technology architecture
B Building next generation technology architecture ▪ Cloud-first, Cloud-native approach leading to leadership in Cloud adoption with 55+ apps on Cloud Modernizing the Core ▪ First among peers to create 3 landing zones (AWS, Azure and GCP) to support multi-cloud strategy ▪ Reduction in infra provisio
Slide 14: Our Cloud leadership continues
B Our Cloud leadership continues with progress made towards adoption Initiatives Outcomes • Landing Zones: 1st among peers to create 3 landing zones (AWS, Azure, GCP) to support multi-cloud strategy 55+ customer facing CIS score 98% in VA / IPT closure is applications on both AWS & Azure 99% across
Slide 15: Organization wide transformation projects to accelerate GPS journey
B Organization wide transformation projects to accelerate our GPS journey Triumph (Liabilities) - Improved customer experience via tech enablement, enhanced operating rhythm has resulted in higher liability relationships and growth in total relationship value Unnati (Assets) - Improvement in Retail
Slide 16: Digital: Early traction visible, our relentless focus continues
C Digital: Early traction visible, our relentless focus continues We are investing heavily in building capabilities… …and introduced re-imagined customer journeys …that has led to improvement in digital adoption and new innovative offerings … Digital transactions * (%) 91% 1,500+ 350+ 88% People ded
Slide 17: Bharat Banking strategy has been scaling up well
C ‘Bharat Banking’ strategy has been scaling up well Drive higher business growth and increase market share in Rural and Semi Urban markets through asset led liability strategy • Lending opportunities in RuSu markets to complement the Bank’s overall PSL strategy meaningfully Focus on building an eco
Slide 18: ESG has Bank-wide sponsorship
C ESG has Bank-wide sponsorship Environmental Social Governance Indian Bank to constitute an ESG Committee ₹ 30,000 Cr Incremental financing to $150 mn Blended finance facility to strengthen post- COVID healthcare infrastructure 1st of the Board positive impact sectors by FY27 (targeted) Sustainable
Slide 19: Executive Summary / Agenda
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 17
Slide 20: Major highlights of Q4FY22
Major highlights of Q4FY22 Strong growth across deposits and loans, robust operating performance, improving asset quality • Deposits on QAB basis grew by 19% YOY and 4% QOQ, deposits MEB grew 6% QOQ • On QAB basis, SA grew 19% YOY and 2% QOQ, CA deposits grew 19% YOY and 3% QOQ Healthy growth in gra
Slide 21: Key metrics for Q4FY22
Key metrics for Q4FY22 Snapshot (As on 31st March 2022) Deposits # 19% YOY Advances 15% YOY Absolute (Rs. Cr) YOY Growth Q4FY22 FY22 Q4FY22 FY22 Net Interest Income 8,819 33,132 17% 13% 32% Profit & Loss Fee Income 3,758 13,001 11% 22% Operating Expenses 6,576 23,611 23% 28% 57% Operating Profit 6,4
Slide 22: Financial Highlights
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 20
Slide 23: Strong growth performance across deposits and loans
Strong growth performance across deposits and loans Deposits (QAB)^ Loans All figures in ₹ Billion 15% YOY 7,134 7,356 7,664 6,649 7,077 6,858 19% YOY 7% 6,427 6,144 6% 6,149 7% 6,217 7% 35% YOY 14% YOY 94% 93% 93% 93% 93% Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Domesti
Slide 24: CASA growth trajectory has considerably improved
CASA growth trajectory has considerably improved led by our focus on granularization and persistency Average CASA growth (YoY) 25% 21% 18% 19% 19% 15% 16% 13% 13% 13% 14% 11% 12% 12% 10% 9% 10% 1,04,544 1,01,603 15% CAGR# 90,301 87,507 87,846 80,003 76,738 74,491 74,312 69,687 64,993 68,777 66,709 1
Slide 25: Net Profit up 54% YOY, Operating profit up 13% YOY
Net Profit up 54% YOY & 14% QOQ, Operating profit up 13% YOY & 5% QOQ All figures in ₹ Crores Operating revenue * Operating expense 2.12% 2.15% 2.17% 2.05% 1.96% 13,042 18% YOY 6,331 6,576 12,493 11,699 5,771 11,096 11,118 5,359 4,223 4,932 3,840 19% YOY 3,541 3,358 3,798 4,393 4,689 3,835 3,691 3,0
Slide 26: Net interest margin
Net interest margin Advances mix by rate type Cost of Funds 2% MCLR Duration Split 37% (Mar-22) 5.20% 2% 1M 4.93% 4% 2% 3M, 2% 4.60% 32% 4.30% 6M, 7% 4.10% 3.97% 12M, 12% 3.87% 3.83% 3.77% 23% MCLR linked Fixed Foreign currency- floating Base Rate linked Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2F
Slide 27: Granularity in fees across business segments
We have built granularity in fees across our business segments All figures in ₹ Crores Retail Banking fees Retail fee mix 14% YOY 14% QOQ 32% 35% 32% 2,463 24% 23% 26% 23% 24% 25% 19% 19% 18% 2,164 2,039 2,161 ^ 1,660 TPP Retail card Retail Assets excl Cards Retail Liabilities & others Q4FY21 Q3FY22
Slide 28: Capital and Liquidity Position
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 26
Slide 29: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio Liquidity Coverage Ratio (consolidated) 140% 130% 120% 120% 19.12% 117% 116% 116% 18.54% 120% 113% 115% 114% 17.53% 15.84% 3.72% 110% 107% 3.30% 4.19% 4.57% 15.40% 15.24% 100% 13.34% 90% 11.27% 80% 70% 60% Mar 19 Mar-20 Ma
Slide 30: Business Segment performance
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 28
Slide 31: Retail Banking
Retail Banking ~28 Mn 4th `2.6 Tn Largest issuer of AUM in wealth SA customers Credit Cards management 81% 64% 57% CASA + RTD ratio Sourcing* from ETB Share of (QAB) customers Advances~ 19% 21% 66% Growth in SA Growth in Share in total fee^ QAB deposits advances *for Retail Assets (by volumes) in Q4
Slide 32: Strong growth in SA deposits led by premiumisation strategy
Strong growth in SA deposits led by deepening and premiumisation strategy • Created liability sales vertical in FY20 to have greater outreach and sharper focus on quality of NTB* acquisitions; Branch channel continued • its focus on deepening ETB* relationships • Premiumisation strategy focuses on i
Slide 33: Retail loan book is well diversified and largely secured
Rs 4 trillion Retail loan book is well diversified and ~80% secured with significantly high proportion of ETB and salaried customers Higher customer engagement led to broad base growth from ETB relationships Retail book ~ 80% of our retail book is secured Disbursement trends in secured loans (in ₹ B
Slide 34: Credit Card issuances at an all time high
Credit Card issuances at an all time high Increase in Cards in force (CIF) mkt share with increasing card issuances aided by KTB^ partnerships 2.67 mn cards issued in FY22, highest ever yearly card issuances for the Bank New Launch Highest number of net cards issued in the industry for the month of
Slide 35: Flipkart Axis Bank Credit Card: digital acquisition and activity
End to End Digital KTB acquisition journey with best in class early activation and spend metrics for Flipkart Axis Bank Credit Card Customer clicks on Customer fills up the Flipkart Axis Bank form and submits the Credit card banner application and can view details 2.22 mn CIF for Flipkart Axis Bank
Slide 36: Credit card spends up 46% YOY
Credit card spends up 46% YOY; retail cards market share improves further All figures In ₹ Cr ‘GRAB DEALS’, Axis Bank's exclusive shopping platform has scaled up significantly 9x YOY growth in transactions ~10x YOY increase in GMV Retail Cards market share continues to improve steadily Trend in Debi
Slide 37: 2nd largest Merchant Acquiring Bank
We are the 2nd largest Merchant Acquiring Bank led by ‘One Axis’ focus, improved product capabilities and partnerships 31% 610 bps Axis incremental market share Incremental market share gained in 11MFY22 in 11MFY22 (POS Terminals) (based on throughput) Market share in POS terminals Rank 3rd 4th 4th
Slide 38: Empowering Merchants through Integrated Ecosystem solutions
Empowering Merchants through Integrated Ecosystem solutions All payment modes in one app, integrated with GST ready billing application Multiple VAS offering- CRM, Loyalty program, online store setup, store analytics etc. Sector specific solutions as per business needs including Catalogue & Inventor
Slide 39: Leading player in India's Wealth Management space
The Bank is a leading player in India’s Wealth Management space All figures In ₹ Cr Overall Burgundy AUM^ has grown steadily Burgundy Performance has been strong (CAGR for Mar’17 -Mar’22 period) 22% YOY 2,60,768 27% Assets under management 2,13,085 4th 27% Fee income largest Wealth 1,47,002 Manageme
Slide 40: Well distributed branch network
We have a very well distributed branch network Domestic branch network* Branch presence across categories Axis Virtual Centre 4,758 4,528 4,594 17% 30% 5.7 mn 4,050 6 Customer Centers connect ^ 30% 1500 23% Virtual RMs Mar-19 Mar-20 Mar-21 Mar-22 * Includes extension counters Metro Urban Semi-Urban
Slide 41: Corporate & Commercial Banking
Corporate & Commercial Banking 27% 45% 19% YoY growth in YoY growth in YOY growth in CA CBG* advances Mid Corporate book (QAB) deposits 34% 88% 92% Share of short Share of corporate Incremental sanctions term loans to overall advances to clients to A-and above** corporate loans rated A-and above 12%
Slide 42: Relationship led franchise driving synergies across One Axis
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 & Com
Slide 43: Better rated originations focused on short term loans
…with better rated originations and focussed on short term loans All figures in ₹ Crores Incremental sanctions to corporates 88% of the book is rated A- or better rated A- & above 17% 15% 12% 59% of sanctions 65% of book as on were to those rated 31.3.2022 is rated AA- & above AA- & above 83% 85% 88
Slide 44: Overseas corporate loan book is 96% India linked
Overseas corporate loan book is 96% India linked • The Bank’s International strategy is to focus on Indian corporates that have global operations • We have consolidated our overseas business through branches in Dubai, Singapore and Gift City, India • Gift City IBU1 has grown strongly as we continue
Slide 45: Strengthened proposition as a Transaction Bank
We have strengthened our proposition as a Transaction Bank Current Account Greenwich Service Excellence 2021 19% YoY growth in Current Account quarterly for Large Corporates and Middle Markets – Knowledge of average Balances (Q4FY22) Transaction Banking needs Foreign LC Market Share Bharat Bill Paym
Slide 46: Well placed to benefit from a vibrant Corporate Bond market
We remain well placed to benefit from a vibrant Corporate Bond market All figures in ₹ Crores Placement & Syndication of Debt Issues Movement in corporate bonds Amount mobilized / arranged^ Market share and Rank* 15% YOY 48,293 45,144 1st 1st 38,642 90,050 34,904 32,190 21% 76,899 20% 18% 16% 14% 17
Slide 47: Industry-wise Distribution (Top 10)
Industry-wise Distribution (Top 10) All figures in ` Crores Outstanding1 as on 31st Mar’22 Total Non-fund Rank Advances Investments based Sectors Value (in % terms) 1. Financial Companies2 59,660 23,561 24,160 1,07,381 12.06% 2. Engineering & Electronics 14,110 2,023 28,345 44,478 5.00% 3. Infrastru
Slide 48: Business Performance: Commercial Banking
Business Performance Commercial Banking
Slide 49: Commercial Banking benefitting from technology led transformation
Commercial Banking business benefitting from technology led transformation • One of the most profitable segments of the Bank with high PSL coverage • Data driven credit decisions, minimal documentation, simplified products and digitized operations aiding higher business growth CBG Advances New to Ba
Slide 50: SME lending book is well diversified and 96% secured
SME lending book is well diversified, 96% of SME book is secured and predominantly working capital financing Book by Loan size Well diversified Geographical mix Well diversified Sectoral mix 16% 22% 16% 12% 16% 9% 10% 43% 2% 23% 18% 2% 11% 3% 3% 9% 3% 11% 4% 22% 19% 8% 4% 4% 5% 5% Trade Retail & Who
Slide 51: Digital Banking
Digital Banking 91% 78% 70% 68% 46% 46% 4.6 Digital Credit cards New SA Fixed deposits PL disbursed** New MF SIP Mobile App transactions^^ issued** (FY22) acquisition* opened (FY22) sales (FY22) ratings D2C products 250+ 15% 14% 76% 99,500+ 1000+ 300+ Services on Market share in Market share in Digi
Slide 52: Our digital strategy is aligned with our GPS strategy
Our digital strategy is aligned with our GPS strategy A B C Reimagine Customer Transform Build Future-ready Proposition the Core Capabilities Digital-first products Ops excellence & institutionalization of Data architecture 3.0; moving embedding design thinking data & tech enabled operating rhythm b
Slide 53: New products driven by our OPEN philosophy
We continue to introduce and scale new products driven by our OPEN philosophy Our product portfolio New launches Buy Now Paylater Merchant Card Advance Cards lifecycle Auto loan O/W Remittance GrabDeals Insurance 2.0 CA Sole Propreitor 0-based redesign; Ecosystems capable; Numbers, Numbers, Propriet
Slide 54: Investing heavily in building capabilities
We are investing heavily in building capabilities 1 Building the right talent 2 Enabling the team through technology • 1500+ people dedicated to digital agenda • Fully cloud ready: new customer facing applications as cloud native • ~76% new hires from non-banking background • CI-CD pipeline in place
Slide 55: Moving to Data Architecture 3.0
We are moving to Data Architecture 3.0 Building data stack 3.0 for next level of analytics and have created service data lake for enhanced customer experience Data Stack 3.0 - Cloud Building alternate data platforms to enable score-based underwriting large cross section of lendable population 100+ n
Slide 56: Among the top rated players in mobile banking
We are among the top rated players in mobile banking Axis Bank Mobile App 9 Mn 60% Axis Bank Mobile Banking Spends (in Cr) and Volumes (in Mn) Monthly active users on MB customers banking Axis Mobile Banking only on mobile app Mobile banking spends (in ` Cr) 14% YOY ~5.6 Mn 16x 4,76,612 5,05,504 5,4
Slide 57: UPI has scaled up tremendously
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 58: Partnerships as a channel to expand customer base
Partnerships as a channel has significant potential to expand our customer base We have 80+ Partnerships across Ecosystems Product Specific (API banking) Transaction banking (White-labelled banking) • Channel to acquire & service customers, complete customer ownership with Bank • Banking as a Servic
Slide 59: Banking of the future framework for corporates
We are building a “banking of the future” framework for corporates “APIs (Application Programming interface) are fueling new digital transformations, powering innovative customer experiences and hiding complexity in the back end.” Wide Transaction Banking API Suite API Developer Portal Partnerships
Slide 60: Asset Quality
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 58
Slide 61: Improving asset quality visible across all segments
Improving asset quality visible across all segments GNPA & NNPA GNPA 2.82% & NNPA 0.73% 3.70% 3.85% Corporate Total 3.53% Retail SME 3.17% 2.82% 61%^ 75%^ 80%^ 75%^ 4.93% 1.43% 2.82% 1.20% 2.15% 1.05% 1.08% 0.91% 0.57% 0.73% 1.00% 0.56% 0.73% Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 GNPA NNPA GNPA NNPA GN
Slide 62: Limited restructuring, largely secured and well provided
Limited restructuring, largely secured and well provided; Declining BB & Below Book All figures in ₹ Crores Bank’s Net NPA* and Fund based BB and Below* portfolio Update on restructured book PCR (excluding technical write offs) up 269 bps QoQ at 75%; Outstanding Covid (1+2) restructuring as on 31.3.
Slide 63: Legacy asset quality issues adequately addressed
Legacy asset quality issues adequately addressed Trend in BB corporate book 7.29% (Fund based as % of GCA) Overall Credit Costs: FY10 to FY22 3.57% 3.53% Credit Cost 1.32% 2.82% 0.75% Net Credit Cost 2.78% Jun'16 Mar'19 Mar'22 2.15% 1.91% 1.87% Trend in incremental sanctions 1.89% (rated A- and abov
Slide 64: Detailed walk of NPAs over recent quarters
Detailed walk of NPAs over recent quarters All figures in ₹ Crores Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Gross NPAs - Opening balance A 29,046 25,315 25,949 24,149 23,301 Fresh slippages B 5,285 6,518 5,464 4,147 3,981 Upgradations & Recoveries C 3,463 2,543 4,757 3,288 3,763 Write offs D 5,553 3,341 2
Slide 65: Future of Work and Sustainability
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 63
Slide 66: Reshaping Work and the Workplace
Reshaping Work and the Workplace Creating a workplace that is geared up for the future Accessed new talent pools in hiring 116 freelancers hired under GIG-A-Freelancer Key highlights 12,000 continue to be in the hybrid model in large offices 42% 41% 71% Women Non-Metro Non-Banking 3,607 employees pa
Slide 67: ESG a Bank-wide Agenda
ESG a Bank-wide Agenda Our Purpose Statement: Banking that leads to a more inclusive and equitable economy, thriving community and a healthier planet ESG a Board-level agenda • Axis Bank is the first Indian Bank to constitute an ESG Committee of the Steady Progress on ESG Benchmarks Board ESG oversi
Slide 68: Committed to Positive Climate Action and the SDGs
Committed to Positive Climate Action and Achieving the Sustainable Development Goals ESG commitments announced by the Bank in September 2021 • Positive Impact Financing • Incremental financing of `30,000 crores for positive-impact sectors by FY26 • Making 5% of Retail Two-Wheeler loan portfolio as e
Slide 69: Key Sustainable Financing Deals during the Year
Key Sustainable Financing Deals during the Year Axis Bank Commits USD 150 Million to SAMRIDH Axis Bank enters into USD 300 mn Loan Guarantee Healthcare Blended Finance to Strengthen India’s Program with GuarantCo for E-mobility in India Healthcare Infrastructure • Intent to execute an umbrella guara
Slide 70: Key ESG Achievements and Accolades
Key ESG Achievements and Accolades Axis Bank’s USD 600 million Sustainable AT1 Notes issuance wins the ‘Best Sustainability-Linked Bond – Financial Institution’ at The Asset Country Awards 2021 Axis Bank bags IFR Asia's Asian Bank Axis Bank has won the Leadership awards in Social Impact and of the Y
Slide 71: Subsidiaries' Performance
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 69
Slide 72: Significant value creation in key group entities
Significant value creation happening in our key group entities Detailed One Axis presentation Link Invst Banking Consumer Retail Fintech Asset Management Trustee TReDS platform Insurance & Inst Equities focused NBFC Brokerage platform One of the fastest Leadership position in AAA rated NBFC with 3rd
Slide 73: Axis AMC: Strong performance, AUM growth of 32% YOY
Axis AMC : Strong performance, AUM growth of 32% YOY, PAT up 47% YOY All figures in ₹ Crores Overall QAAUM 32% YOY Equity QAAUM 43% CAGR* 48% CAGR* 2,59,818 1,43,546 45% YOY 1,96,549 98,822 1,38,402 89,720 61,968 44,486 Mar-19 Mar-20 Mar-21 Mar-22 Mar-19 Mar-20 Mar-21 Mar-22 * CAGR for period Mar-19
Slide 74: Axis Capital: Go to Banker for India Inc
Axis Capital : Go to Banker for India Inc FY22 Ranking* (includes IPO, FPO, QIP, REIT, InvIT, OFS & Rights) Major Highlights Rank Banker No of Deals* • 44 ECM transactions were completed in FY22 that include 27 IPOs, 8 QIPs, 2 OFS, 2 Rights issue 1 Peer 1 44 • Re-emphasized its ECM leadership and st
Slide 75: Axis Securities: Strong performance in FY22
Axis Securities : Strong performance in FY22 with 56% growth in revenue Total customer base (in mn) Axis Securities had acquired nearly 1 mn Karvy’s trading accounts 15% YOY Major Highlights in Q4FY21, making Axis Securities as the 3rd largest bank led 26% CAGR* retail brokerage in terms of customer
Slide 76: Axis Finance: Poised for growth
Axis Finance : Poised for growth, investing for growing the retail book All figures in `₹ Crores Growth in loan book Major Highlights 26% CAGR** 59% YOY • 20% Capital adequacy ratio 16,269 • 20.3% overall ROE for FY22 10,259 • 3 times YOY growth in Retail book 8,040 7,704 • 23.4% YOY growth in Whole
Slide 77: A.TREDS: Invoicemart setting a new benchmark in TReDS
A.TREDS: Invoicemart setting a new benchmark in TReDS A.TREDS is one of the three entities allowed by RBI to set up the Trade Receivables Discounting System (TReDS), an electronic platform for facilitating cash flows for MSMEs The TReDS platform connects MSME sellers and their corporate buyers to mu
Slide 78: Freecharge: progress in payments led financial services
Freecharge: continues to make progress in its payments led financials services journey; “Buy Now Pay Later” & “SMB Lending” product gaining traction Freecharge Paylater SMB Ecosystem showing strong Momentum DTH, UTILITIES MOBILE LOANS CARDS CA/SA/FD RECHARGES • 12x growth in no of loans QoQ • 15x gr
Slide 79: Other important information
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Annual Results FY 21-22 77
Slide 80: Shareholding Pattern (as on March 31, 2022)
Shareholding Pattern (as on March 31, 2022) Others SUUTI 12.59% 1.52% Life Insurance Corporation 7.98% GDR's Foreign Institutional 2.12% Investors 45.94% Indian Institutions 29.85% ▪ Share Capital `614 crores ▪ Shareholders’ Funds `115,025 crores ▪ Book Value Per Share `375 ▪ Diluted EPS (Q4 FY22) #
Slide 81: Financial Performance (₹ crores)
Financial Performance Financial Performance (₹ crores) Q4FY22 Q4FY21 % Growth FY22 FY21 % Growth Interest Income A 17,776 15,494 15% 67,377 63,346 6% Other Income B = C+D+E 4,224 3,541 19% 15,221 12,264 24% - Fee Income C 3,759 3,376 11% 13,001 10,686 22% - Trading Income D 231 22 957% 1,627 1,218 3
Slide 82: Financial Performance ($ mn)
Financial Performance Financial Performance ($ mn) Q4FY22 Q4FY21 % Growth FY22 FY21 % Growth Interest Income A 2,345 2,044 15% 8,890 8,358 6% Other Income B = C+D+E 557 467 19% 2,008 1,618 24% - Fee Income C 496 445 11% 1,715 1,410 22% - Trading Income D 30 3 957% 215 161 34% - Miscellaneous Income
Slide 83: Balance Sheet
Balance Sheet Balance Sheet As on 31st Mar’22 As on 31st Mar’21 As on 31st Mar’22 As on 31st Mar’21 % Growth CAPITAL AND LIABILITIES In ` Crores In ` Crores in $ Mn in $ Mn Capital 614 613 81 81 0.2% Reserves & Surplus 1,14,411 100,990 15,095 13,324 13% ESOP Outstanding 149 - 20 - - Deposits 8,21,72
Slide 84: 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 85: Thank You
Thank You Annual Results FY 21-22 83