Axis Bank Limited · NSE:AXISBANK
Axis Bank — Debt Investor Presentation (June 2026)
33 slides from Axis Bank's debt investor presentation, June 2026
Slide 1: Investor Presentation June 2026
Investor Presentation June 2026
Slide 2: Disclaimer (1/2)
Disclaimer (1/2) NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES OR INTO INDIA OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW. This presentation and the acco
Slide 3: Disclaimer (2/2)
Disclaimer (2/2) This Presentation has been prepared by the Bank based on information and data which the Bank considers reliable, but none of the Bank and the Managers makes any representation or warranty, express or implied, as to and no reliance should be placed on, the fairness, accuracy, complet
Slide 4: Macro Landscape, Axis Bank at a Glance, Business Highlights
Macro Landscape Macro Landscape Axis Bank – At a Glance Axis Bank – At a Glance Business Highlights Financial Highlights
Slide 5: Macro Environment is normalizing
Macro Environment is normalizing 5
Slide 6: Limited impact of West Asia conflict on global growth, India to slow mildly
Limited impact of West Asia conflict on global growth, India to slow mildly with nominal growth picking up Global growth has normalized 8 6.7 6 3.8 3.4 3.4 3.3 3.2 3.2 3.1 3.0 4 2 0 (2) • IMF projects a mild slowdown from the West Asia conflict on a -2.7 (4) 1 1 global basis – with fiscal policy see
Slide 7: India buffers still high but not rising
India buffers still high but not rising – inflation higher, FX reserves lower amid BOP stress INR IDR KRW CNY Import cover goods + services 125 35 Import cover goods 120 30 ST debt cover 115 25 20 110 15 105 10 100 5 95 0 Sep-19 Sep-20 Sep-21 Sep-22 Sep-23 Sep-24 Sep-25 Mar-21 Mar-20 Mar-22 Mar-23 M
Slide 8: Rates term structure is steep, even with recent steps
Rates term structure is steep, even with recent steps 8 Repo rate 12m T-bill 10y G-sec 7 7 Markets are signaling higher- for-longer rates, underpinned by strong debt-financed demand, elevated working 6 capital requirements from input shocks, and growing expectations of additional rate hikes 6 5 Jun-
Slide 9: Credit growth continue to be above deposit growth rate
Credit growth continue to be above deposit growth rate Transmission of India rates has stalled Amid strong demand for finance, but slower deposit growth 10 % Non-food credit growth (%, YoY) 21% Deposit growth (%, YoY) 19% 9 17% Fresh loans MCLR 15% 8 Outstanding deposits 13% Repo Rate Fresh deposits
Slide 10: Macro Landscape, Axis Bank at a Glance, Business Highlights
Macro Landscape Macro Landscape Axis Bank – At a Glance Axis Bank – At a Glance Business Highlights Financial Highlights
Slide 11: Axis Bank at a glance
Axis Bank at a glance 3rd ~ 54 mn 1,01,300+ 6,275 Axis Bank Employees Branches 1 largest Private Bank in India Customers Traditional Banking Segment Digital Banking Segment Market Share 5.3% 5.0% 5.7% ~36% ~14% Assets 2 Deposits 2 Advances 2 UPI 3 Credit Cards 4 Profitability 15.15% 3.62% 2.24% 2.28
Slide 12: Macro Landscape, Axis Bank at a Glance, Business Highlights
Macro Landscape Macro Landscape Axis Bank – At a Glance Axis Bank – At a Glance Business Highlights Financial Highlights
Slide 13: Deposit and Loan growth performance
Deposit and Loan growth performance All figures in ₹ billion Deposit mix (QAB)1 Segment loan mix Advances Mix by Rate type ~ 73% of loans are floating YOY QOQ YOY QOQ 12,264 12,336 11,974 13% 2% 19% 6% 11,397 11,590 10,840 11,048 11,167 27% 10,408 10,597 4,129 Corporate 38% 10% 3,751 (33%) 3,497 2,9
Slide 14: 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, to improve the quality of over the last 12 quarters and… improved acquisitio
Slide 15: Retail loan book is well diversified and stood at 55% of total loans
Retail loan book is well diversified and stood at 55% of total loans Share of Retail in total Advances (1) Retail loan book mix Share of Retail in fee income (3) 9% 6% 5% 6% 6% 6% 4% 7% 7% 7% 7% 4% 11% 11% 9% 9% 12% 10% 7% 5% 9% 10% 11% 12% 11% 12% 11% 12% 12% 12% 72% 72% 72% 9% 11% 57% 58% 60% 60%
Slide 16: 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 19% 5,876 31% 5,377 4,903 ~4.8 mn 8 4,758 Customer connect 2 Centers 28% 1,591 22% Virtual RMs Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Metro Urban Semi-Urban Rural •
Slide 17: 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 18: 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 • 86% is India linked based on standard book • 68% of book as on 31.03.2026 is rated AA- & above • 97% is rated A- and above based on standard bo
Slide 19: neo by Axis Bank | Empowering Businesses with Cutting-Edge 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 20: Commercial segment
Commercial segment • One of the most profitable segments of the Bank with high PSL coverage Well diversified mix • Data driven credit decisions, minimal documentation, simplified products and digitized operations aiding higher 15% business growth 28% 8% 8% SME Advances 13% 15% 15% 16% 2% In ₹ bn 2%
Slide 21: Strong growth in SBB+SME+MC book despite tightening our risk standards
Strong growth in SBB+SME+MC book despite tightening our risk standards All figures in ` Crores 23% 24% 20% 21% 18% 15% 26%1 CAGR2 2,93,147 67,969 32% CAGR2 26% 2,36,342 CAGR2 in combined MSME, MC and 2,07,456 SBB segment 51,064 1,70,458 46,583 20% CAGR2 1,30,321 38,078 1,47,159 1,18,521 94,041 26,48
Slide 22: Digital Banking
Digital Banking 98% 91% 49% 69% 42% 68% Digital Credit cards New MF SIP New SA Individual RTDs PL disbursed (end-to-end digital) transactions1 issued2 (Q4FY26) volume (Q4FY26) acquisition3 value (Q4FY26) (in Q4FY26) D2C products 250+ 300+ 4.8 ~16 Mn+ 480 4,400+ Services on Employee tool Mobile App 4
Slide 23: Macro Landscape, Axis Bank at a Glance, Business Highlights
Macro Landscape Macro Landscape Axis Bank – At a Glance Axis Bank – At a Glance Business Highlights Financial Highlights
Slide 24: Financial performance
Financial performance All figures in ₹ bn Net Interest Margin (NIM)1 Operating Expenses 4.02% 4.07% 3.98% 4.00% 30% 40.00% 29% 3.50% 30.00% 3.69% 15% 20.00% 3.53% 3.00% 6% 7% 5% 10.00% 3.47% 2.50% 0.00% 2.55% 2.46% -10.00% 2.00% 2.17% 2.22% 2.25% -20.00% 1.96% 1.50% -30.00% FY21 FY22 FY23 FY24 FY25
Slide 25: GNPA, slippages and credit costs improved YOY
GNPA, slippages and credit costs improved YOY GNPA at 1.23% & NNPA at 0.37% Segmental composition Retail CBG WBG Total 1 1 1 1 66% 66% 90% 70% 1.57% 1.46% 1.40% 1.05% 1.28% 1.23% 1.84% 0.33% 0.45% 0.44% 0.42% 0.37% 0.29% 0.53% 0.62% 1.23% 0.68% 0.37% 0.23% 0.05% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 GN
Slide 26: Asset quality – Movement in NPA and PCR
Asset quality – Movement in NPA and PCR CBG Overall 80% 75% 6.00% 75% 81% 79% 75% 90% 9.00% 71% 72% 68% 80% 71% 70% 66% 5.00% 70% 7.00% 4.00% 5.00% 5.00% 60% 3.70% 2.82% 3.00% 50% 3.00% 2.15% 2.02% 1.12% 0.93% 0.77% 0.68% 40% 0.47% 2.00% 1.05% 1.43% 1.28% 1.23% 30% 1.05% 1.00% 1.00% 0.73% 1.00% 0.39
Slide 27: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio 1.87% 2.16% 19.12% 18.54% 14.67% 14.38% 17.64% 16.63% 17.07% 16.42% 3.72% 3.30% 3.62% 2.40% 2.89% 2.04% 15.40% 15.24% 14.67% 14.38% 14.02% 13.74% CET-1 Mar'25 Accretion Consumption CET-1 Mar'26 Mar-21 Mar-22 Mar-23 Mar-24
Slide 28: Annexure
Annexure A's BANK
Slide 29: Credit Ratings (as of Jun’26)
Credit Ratings (as of Jun’26) Foreign Currency Ratings Domestic Currency Ratings Rating Agency Long term Issuer rating Outlook Rating Agency Long term Issuer rating Outlook Moody’s Baa3 Stable CRISIL CRISIL AAA Stable Update* as of 02-Jan-2026 Update* as of 14-July-2025 S&P Ratings BBB Stable ICRA I
Slide 30: Financial Performance
Financial Performance Financial Performance (₹ crores) Q4FY26 Q4FY25 % Growth FY26 FY25 % Growth Interest Income A 32,724 31,243 5% 1,27,032 1,22,677 4% Other Income B = C+D+E 6,023 6,780 (11%) 26,131 25,257 3% - Fee Income C 6,561 6,338 4% 24,444 22,504 9% - Trading Income D (606) 173 - 1,373 2,059
Slide 31: Financial Performance
Financial Performance Financial Performance ($ mn) Q4FY26 Q4FY25 % Growth FY26 FY25 % Growth Interest Income A 3,451 3,294 5% 13,395 12,936 4% Other Income B = C+D+E 635 715 (11%) 2,755 2,663 3% - Fee Income C 692 668 4% 2,578 2,373 9% - Trading Income D -64 18 - 145 217 (33%) - Miscellaneous Income
Slide 32: Balance Sheet
Balance Sheet Balance Sheet As on 31st Mar’26 As on 31st Mar’25 As on 31st Mar’26 As on 31st Mar’25 % Growth CAPITAL AND LIABILITIES In ` Crores In ` Crores in $ Mn in $ Mn Capital 622 619 66 65 0.3% Reserves & Surplus 2,03,572 1,77,997 21,466 18,769 14% ESOP Outstanding 1,342 1,108 142 117 21% Depo
Slide 33: Thank you
Thank you A's BANK