Axis Bank Limited · NSE:AXISBANK
Axis Bank — Q1 FY26 Earnings Presentation
76 slides from Axis Bank's earnings presentation, Jul 18, 2025
Slide 1: Cover letter to exchanges under Regulation 30
AXIS/CO/CS/175/2025-26 July 17, 2025 National Stock Exchange of India Limited BSE Limited Exchange Plaza, 5th Floor 1st Floor, Plot No. C/1, “G” Block P. J. Towers, Bandra-Kurla Complex Dalal Street Bandra (E), Mumbai – 400 051 Fort, Mumbai – 400 001 NSE Symbol: AXISBANK BSE Scrip Code: 532215 Dear
Slide 2: Press Release: Axis Bank Announces Financial Results Q1FY26
PRESS RELEASE AXIS BANK ANNOUNCES FINANCIAL RESULTS FOR THE QUARTER ENDED 30th JUNE 2025 Q1FY26 Operating profit at ₹11,515 cr up 14% YOY and 7% QOQ o Operating revenue up 8% YOY, Operating expenses up 2% YOY and down 5% QOQ, operating jaws positive o Non-interest income up 25% YOY, Fee income up 10
Slide 3: Q1FY26 Performance at a Glance
Q1FY26 Performance at a Glance • Operating performance aided by higher non-interest income and effective cost control o Net Interest Income up 1% YOY and down 2% QOQ, Net Interest Margin (NIM) at 3.80% o Non-interest income up 25% YOY, Fee income up 10%, Retail fee up 9%, granular fees at 91% of tot
Slide 4: Profit & Loss Account: Period ended 30th June 2025
Profit & Loss Account: Period ended 30th June 2025 Operating Profit and Net Profit The Bank’s operating profit for the quarter grew 14% YOY to `11,515 crores. Core operating profit grew 5% YOY to `10,095 crores. Operating cost grew 2% YOY in Q1FY26. Net profit de-grew 4% YOY to `5,806 crores in Q1FY
Slide 5: with home loans comprising 27% of the retail book. Small Business Banking (SBB) grew
with home loans comprising 27% of the retail book. Small Business Banking (SBB) grew 15% YOY, Loan against property grew 21% YOY, Personal loans grew 5% YOY, Credit card advances grew 2% YOY and Rural loan portfolio grew 5% YOY. SME book remains well diversified across geographies and sectors, grew
Slide 6: Capital Adequacy and Shareholders' Funds
Capital Adequacy and Shareholders’ Funds The shareholders’ funds of the Bank grew 17% YOY and stood at `1,84,795 crores as on 30th June 2025. The Bank now has a self-sustaining capital structure to fund growth, with organic net capital accretion through profits to CET-1 of 1 bps for the Q1FY26. As o
Slide 7: Network and Key Subsidiaries' Performance
Network The Bank’s overall distribution network stands at 5,879 domestic branches and extension counters along with 235 Business Correspondent Banking Outlets (BCBOs) situated across 3,192 centres as at 30th June 2025 compared to 5,427 domestic branches and extension counters, and 182 BCBO’s situate
Slide 8: Financial Performance
` crore Financial Performance Q1FY26 Q1FY25 % Growth Net Interest Income 13,560 13,448 1% Other Income 7,258 5,783 25% - Fee Income 5,746 5,204 10% - Trading Income 1,420 406 249% - Miscellaneous Income 92 173 (47%) Operating Revenue 20,818 19,232 8% Core Operating Revenue# 19,398 18,763 3% Operatin
Slide 9: Business Performance
` crore As on As on Business Performance th th % Growth 30 June’25 30 June’24 Total Deposits (i)+(ii) 11,61,615 10,62,484 9% (i) CASA Deposits 4,68,166 4,44,479 5% - Savings Bank Deposits 3,05,133 2,94,910 3% - Current Account Deposits 1,63,033 1,49,569 9% CASA Deposits as % of Total Deposits 40% 42
Slide 10: 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 11: Investor Presentation Quarterly Results Q1FY26
Investor Presentation Quarterly Results Q1FY26 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB
Slide 12: Axis Bank at a glance
Axis Bank at a glance 3rd ~ 58 mn 1,03,900+ 5,879 Axis Bank Employees Branches* largest Private Bank in India Customers Traditional Banking Segment Digital Banking Segment Market Share 5.2% 4.9% 5.6% ~ 32% ~ 14% Assets 1 Deposits 1 Advances 1 UPI 4 Credit Cards 2 Profitability 13.57% 3.80% 2.91% 2.4
Slide 13: 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 Q1FY26 3
Slide 14: Major highlights
Major highlights Q1FY26 Operating Profit at ₹11,515 cr up 14% YOY and 7% QOQ • Net Interest Income up 1% YOY and down 2% QOQ, Net Interest Margin (NIM) at 3.80% Operating performance aided by controlled • Non-interest income grew 25% YOY, Fee income grew 10% YOY, granular fee constituted 91% of over
Slide 15: Key metrics for Q1FY26
Key metrics for Q1FY26 Snapshot (As on 30th June 2025) Deposits Advances (a) Absolute (₹ Cr) 9% YOY (b) 8% YOY Q1FY26 Q1FY25 Q4FY25 YOY QOQ 8% YOY Net Interest Income 13,560 13,448 13,811 1% (2%) Fee Income 5,746 5,204 6,338 10% (9%) 30% Profit & Loss Operating Expenses 9,303 9,125 9,838 2% (5%) 40%
Slide 16: 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 Q1FY26 6
Slide 17: Deposit and Loan growth performance
Deposit and Loan growth performance All figures in ₹ Billion Deposit mix (QAB)^ Segment loan mix Loan growth at 8% YOY YOY QOQ 10,840 11,048 YOY QOQ 10,664 8% 2% 10,245 10,372 10,408 10,597 8% 2% 10,000 10,146 9,801 2,994 3,159 9% 6% 2,908 2,946 6,806 Corporate 2,910 6,245 6,549 6,690 12% 6,099 2% (
Slide 18: Q1FY26 Operating profit up 14% YOY and 7% QOQ
Q1FY26 Operating profit up 14% YOY and 7% QOQ All figures in ₹ Crores Operating revenue Operating expense YOY QOQ Opex YOY 11% 9% 6% 20,818 1% 2% 20,205 20,590 growth 19,232 19,578 8% 1% 6,779 7,258 9,493 9,838 9,303 5,784 6,722 5,972 9,125 9,044 25% 7% 5,996 6,376 6,059 6,876 6,041 1% 2% 13,448 13,
Slide 19: Net interest margin trend
Net interest margin trend Advances mix by rate type Cost of Funds MCLR Duration Split (Jun-25) 25% 1M, 5.50% 5.39% 1% 4% 0.3% 5.35% 5.43% 5.44% 5.45% 5.46% 9% 5.17% 3M, 1% 5.03% 4.75% ~ 72% of 4.34% 12M, 5% 6M, 2% 4.09% loans 3.89% floating 59% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24
Slide 20: NIM has seen structural improvement led by multiple drivers
NIM has seen structural improvement led by multiple drivers 1 Improvement in balance sheet mix 2 Reducing share of low yielding RIDF bonds 3 Composition reflected through average* CASA% Retail & SME as % of loan book 68% 71% 71% 70% 67% As a % to total assets 3.5% 2.3% 1.5% 42.9% 43.6% 42.5% 0.9% 0.
Slide 21: Steady growth in fees; granularity built across business segments
Steady growth in fees; granularity built across our business segments All figures in ₹ Crores Retail Banking fees Retail fee mix 9% YOY 44% 45% 41% 4,738 31% 4,051 20% 24% 19% 3,706 3,876 3,881 14% 15% 17% 14% 16% TPP Retail Cards & Payments Retail Assets excl cards & Retail Liabilities & others pay
Slide 22: Cost growth at 2% YoY; 5% decline QoQ
Cost growth at 2% YoY; 5% decline QoQ Increase in BAU expenses largely coming from increase in statutory cost offset by lower LD2 Integration expenses Breakup of Q4FY25 opex of 9,839 Cr 4% 2% 8% (100%) YoY% Volume 46% 37% 161% (144%) % in Growth linked, 2,222 284 (255) 82 65 Business as Usual, 4,623
Slide 23: 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 Q1FY26 13
Slide 24: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio 0.61% 0.60% 19.12% 18.54% 14.67% 14.68% 17.64% 16.63% 17.07% 16.85% 3.72% 3.30% 3.62% 2.40% 2.17% 2.89% Net accretion to CET-1 of 15.40% 15.24% 14.67% 14.68% 1 bps in Q1FY26 14.02% 13.74% CET-1 Mar'25 Accretion Consumption
Slide 25: 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 Q1FY26 15
Slide 26: Retail Banking
Retail Banking ~55 Mn 4th `6.29 T n Individual Largest issuer of AUM in wealth customers Credit Cards management 6% 5% 59% YOY growth in YOY growth in Share of Retail advances Rural advances Advances~ 2% 40% 70% YOY Growth in CASA CASA ratio Share in QAB* deposits (MEB**) total fee^ ~ share in Bank’
Slide 27: 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 Improvement in granularization, positively …with controlled increase in cost of deposits …macroeconomic factors have impacted total deposit impacting the quality of LCR deposits… over the last 8 quarters and… growth in t
Slide 28: …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 deposits* up 32% CAGR in Burgundy 18% YOY growth in Salary ~ 22K extensive distributio
Slide 29: Leading player in India's Wealth Management space
Being one of the leading player in India’s Wealth Management space Overall Burgundy AUM^ has grown strongly 32% CAGR* 5% YOY 6% QOQ 6.29 5.92 5.37 3.57 2.61 2.13 1.47 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 * CAGR for period Mar-20 to Junr-25 All figures In ₹ Tn 10% YOY Burgundy Private AUM
Slide 30: ₹6.2 trillion Retail loan book remains well diversified
₹6.2 trillion Retail loan book remains well diversified ~ 72% of our retail book is secured (1) Retail book (in ₹ Billion) in Rs Crores Jun-25 QOQ YOY % Prop Home Loans 1,65,961 (1%) - 27% 18% 15% 11% Rural loans 93,140 (5%) 5% 15% 7% 6% MFI loans are ~2.4% of YOY LAP 78,755 5% 21% 13% retail loans,
Slide 31: Small Business Banking segment
Small Business Banking segment SBB Portfolio (in Cr.) Well diversified customer base 15% YoY 1% QoQ • ₹67,345 crores overall book with Business Loan (unsecured) book of `16,624 crores 18% 15% 66,757 67,345 • ~67% value contribution from Secured products (working capital, overdraft, term loans, etc.)
Slide 32: Our bet on 'Bharat' is growing from strength to strength
Our bet on ‘Bharat’ is growing from strength to strength, with a focus on building a distinct model • Drive higher business growth and increase market share in Rural and Semi Urban (RuSu) markets through asset led liability strategy • Lending opportunities in RuSu markets to complement the Bank’s ov
Slide 33: Trend in Credit Card issuances
Trend in Credit Card issuances Increase in Cards in force (CIF) market share with increasing card issuances aided by KTB^ partnerships Axis Bank Magnus Credit Card In million 1.21 1.26 1.24 1.13 1.11 1.04 1.06 0.96 0.77 0.79 0.68 Indian Oil Axis Bank Credit Card Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4
Slide 34: 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 7% QOQ growth in Q1FY26 transactions led by ‘One Axis’ focus, improved product capabilities 3% QOQ increase in GMV (Q1FY26) and
Slide 35: We have a very well distributed branch network
We have a very well distributed branch network Axis Virtual Centre Domestic branch network* Branch presence across categories 18% 5,876 5,879 30% ~3.7 mn 8 Customer Centers 5,377 connect ^ 4,758 4,903 1825 29% Virtual RMs 23% Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 Metro Urban Semi-Urban Rural * Includes
Slide 36: Corporate & Commercial Banking
Corporate & Commercial Banking 9% 16% 24% YOY growth in Corporate YOY growth in YOY growth in loans SME loan book Mid Corporate book 23% 90% 88% YOY growth in Share of corporate Incremental sanctions Transaction Banking Fees advances to clients to A-and above** (for Q1FY26) rated A-and above 4% 11%
Slide 37: 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 38: …with 90% of the book rated A- and above
…with 90% of the book rated A- and above 90% of the corporate loan book is Corporate Loans Overseas corporate loan book rated A- or better In ₹ Cr YOY QOQ • 89% is India linked based on standard book • 67% of book as on 30.06.2025 is rated AA- & above • 96% is rated A- and above based on standard bo
Slide 39: We have strengthened our proposition as a Transaction Bank
We have strengthened our proposition as a Transaction Bank Current Account Digital Adoption 66% Current Account customers 9%YOY growth in Current Account, Month End registered for internet/mobile banking Balances (Q1FY26) Foreign LC Market Share BBPS Value Market Share Market Share at Market Share a
Slide 40: 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 / arranged^ Market share and Rank* 25% 201% YOY 3rd 1st 47,492 19% 19% 22.7% 17% 15,799 12.3% 14% 73,808 Q1FY25 Q1FY26 Q1F
Slide 41: neo by Axis Bank digital initiative
neo by Axis Bank, our industry-leading digital initiative, is delivering quality outcomes, along with empowering businesses with neo for business and neo for corporates Transformational Impact of Neo reflected in the strong product-market fit… neo for business, Axis’ MSME …receiving strong market re
Slide 42: Industry-wise Distribution (Top 10)
Industry-wise Distribution (Top 10) All figures in ` Crores Outstanding1 as on 30th Jun’25 Total Rank Advances Investments Non-fund based Sectors Value (in % terms) 1. Financial Companies2 88,678 30,469 46,839 1,65,986 12.65% 2. Engineering & Electronics 23,263 25 38,228 61,515 4.69% 3. Trade 40,960
Slide 43: Business Performance: Commercial Banking
Business Performance Commercial Banking
Slide 44: Strong growth in SBB+SME+MC book despite tightening risk standards
Strong growth in SBB+SME+MC book despite tightening our risk standards 23% 21% 20% 19% 28% CAGR*# 2,47,172 15% 2,09,985 58,956 34% CAGR# 28% 1,71,242 47,579 CAGR# in combined MSME, MC and 1,30,355 38,465 SBB segment since Mar’21 1,20,872 93,166 28,021 1,04,016 21% CAGR# 18,414 86,503 70,689 56,527 1
Slide 45: Commercial Banking business
Commercial Banking business • 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 SME Advances CBG Current Account NOA*s 71% of book is rated SME3 or b
Slide 46: SME lending business
SME lending business Book by Loan size Well diversified Geographical mix Well diversified Sectoral mix 15% 16% 15% 11% 27% 9% 29% 10% 40% 18% 2% 7% 2% 12% 3% 6% 3% 20% 2% 9% 3% 7% 4% 18% 4% 4% 4% Trade Retail and Wholesale Food and Beverages Textile Engineering Others West 1 West 2 CRE Petrochemical
Slide 47: Digital Banking
Digital Banking 97% 91% 75% 78% 50% 52% Digital Credit cards New MF SIP New SA Individual RTDs PL disbursed (end-to-end digital) transactions1 issued2 (Q1FY26) volume (Q1FY26) acquisition3 value (Q1FY26) (in Q1FY26) D2C products 250+ 300+ 4.7 @ ~15 Mn 480 4,000+ Services on Employee tool Mobile App
Slide 48: Our digital strategy: open by Axis Bank
Our digital strategy: open by Axis Bank Setup 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 * - 50% of retail individual TDs acqu
Slide 49: open by Axis Bank is a one stop solution for digital banking needs
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 66% 2.3x ~1.3m 99.51% of Branch service request YOY growth in A
Slide 50: UPI has scaled up 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 51: 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 Q1FY26 41
Slide 52: Stable GNPA and NNPA, adjusted for Technical Impact
Stable GNPA and NNPA, adjusted for Technical Impact GNPA at 1.57% & NNPA at 0.45% Segmental composition Retail CBG WBG Total 66%^ 69%^ 91%^ 71%^ 1.41% 1.54% 1.44% 1.46% 1.57% 1.28% 2.10% 0.36% 0.34% 0.34% 0.35% 0.33% 0.45% 0.92% 1.57% 0.71% 0.84% 0.08% 0.45% 0.26% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26
Slide 53: Detailed walk of NPAs over recent quarters
Detailed walk of NPAs over recent quarters All figures in ₹ Crores Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Gross NPAs - Opening balance A 15,127 16,211 15,466 15,850 14,490 Fresh slippages B 4,793 4,443 5,432 4,805 8,200 Upgradations & Recoveries C 1,503 2,069 1,915 2,790 2,147 Write offs D 2,206 3,119 3
Slide 54: Summary of Technical Impact across asset quality parameters
Summary of Technical Impact across various asset quality parameters Gross slippage Net slippage Net credit cost GNPA NNPA Particulars Rs in % Rs in % Rs in % Rs in % Rs in % crores crores crores crores crores Reported 8,200 3.13% 6,053 2.33% 3,900 1.38% 17,765 1.57% 5,066 0.45% Technical impact (2,7
Slide 55: 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 Q1FY26 45
Slide 56: 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 Ranked 2nd amongst Indian Banks in S&P Environmental Social Governance ESG Scor
Slide 57: 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 by FY 20
Slide 58: Sparsh 2.0 in Motion: Building Loyalty
Sparsh 2.0 in Motion: Building Loyalty Through Digital Precision, Data, Design, and Delight NPS Digital Enablers Sparsh embedded across all customer Sparsh is committed to delivering smart banking: Industry-first LIVE initiatives update touchpoints, processes & metrics NPS (Net Promotor Score) movem
Slide 59: 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 Q1FY26 49
Slide 60: Continue to create significant value in key group entities
Continue to create significant value in our key group entities One Axis Group 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 largest bank led Amo
Slide 61: Axis Finance: PAT up 23% YOY, Retail book up 26% YOY
Axis Finance : PAT up 23% YOY, Retail book up 26% YOY Growth in Assets under Finance (AUF) 36% CAGR** 41,826 23% YOY All figures in ₹ Crores 39,079 Major Highlights 1,281 1,260 34,104 (3%) 32,123 • 26% YOY growth in Retail book 707 709 19,575 18,418 23,340 15,567 (47%) • 18% YOY growth in Wholesale
Slide 62: Axis AMC: PAT up 12% YOY
Axis AMC : PAT up 12% YOY All figures in ₹ Crores 16% CAGR* Overall QAAUM 13% CAGR* Equity QAAUM 9% YOY 15% YOY 1,88,112 1,80,048 1,73,211 3,35,607 1,64,981 3,21,506 2,91,967 1,43,546 1,37,074 2,74,265 2,59,818 2,41,415 1,96,549 98,822 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-24 Jun-25 Mar-21 Mar-22 M
Slide 63: Axis Capital: Among the leading players in Equity Capital Markets
Axis Capital : Among the leading players in Equity Capital Markets Q1FY26 Ranking* by value (includes IPO, FPO, QIP, REIT, OFS & Rights) Rank Banker No of Deals* Major Highlights 1 Peer 1 9 • 6 ECM deals closed in Q1FY26 that includes 4 IPO’s 2 Peer 2 9 • 13th rank in ECM deals in Q1FY26 3 Peer 3 7
Slide 64: Axis Securities: 15% YOY growth in customer base
Axis Securities : 15% YOY growth in customer base Total customer base (in mn) 15% YOY 3rd largest bank led retail brokerage in terms of customer base 15% CAGR* Major Highlights 6.36 6.52 5.55 5.68 • 15% YOY growth in customer base in Q1FY26 4.86 4.17 • 40% of the volumes in Q1FY26 was from Mobile tr
Slide 65: Axis Trustee: AUM up 21% YoY
Axis Trustee: AUM up 21% YoY All figures in ₹ Crores Assets under Trust 21% YOY 15% CAGR* Major Highlights 47,44,704 48,51,847 • 201% revenue growth in Securitization (YoY)) 39,04,153 40,10,660 29,94,794 30,01,067 • 60% revenue growth (YoY) in Facility Agency business 26,43,586 • AIFs & FA at GIFT C
Slide 66: A.TREDS: Invoicemart setting a new benchmark in TReDS
A.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 invoices of more than ₹2,00,000 crs+ • Invoicemart has helped in price discovery for MSMEs across 1,100+ locations in India
Slide 67: Freecharge: Focus on Scaling Merchant and Payment Aggregation Businesses
Freecharge: Focus Remains on Scaling Merchant and Payment Aggregation Businesses; Positive Traction in Unsecured Lending Business Merchant Business Payment Aggregation Consumer Payments & Financial Services • Continue to scale unsecured loans (MCA, and • Existing enterprise engagement remains strong
Slide 68: 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 Q1FY26 58
Slide 69: Our winning mindset is reflected in multiple awards and recognitions
Our winning mindset is reflected in multiple awards and recognitions… Won “Infosys Finacle Innovation Award 2025”, for Maximizing Customer Engagement – Neo for Corporates, Business Model Won ‘Domestic Retail Bank of the Best BFSI Customer Won “Most Innovative use of AL/ML, Innovation Neo connecting
Slide 70: Shareholding Pattern (as on June 30, 2025)
Shareholding Pattern (as on June 30, 2025) Life Insurance Corporation Others 7.90% 6.29% GDR's Foreign Institutional 3.31% Investors 42.65% Indian Institutions 39.85% ▪ Share Capital `620 crores ▪ Shareholders’ Funds `184,795 crores ▪ Book Value Per Share `596 ▪ Diluted EPS (Q1FY26) (Annualised) `74
Slide 71: Financial Performance
Financial Performance Financial Performance (₹ crores) Q1FY26 Q1FY25 % Growth Interest Income A 31,064 30,061 3% Other Income B = C+D+E 7,258 5,783 25% - Fee Income C 5,746 5,204 10% - Trading Income D 1,420 407 249% - Miscellaneous Income E 92 173 (47%) Total Income F = A+B 38,322 35,844 7% Interes
Slide 72: Financial Performance ($ mn)
Financial Performance Financial Performance ($ mn) Q1FY26 Q1FY25 % Growth Interest Income A 3,622 3,505 3% Other Income B = C+D+E 846 674 25% - Fee Income C 670 607 10% - Trading Income D 166 47 249% - Miscellaneous Income E 11 20 (47%) Total Income F = A+B 4,468 4,180 7% Interest Expended G 2,041 1
Slide 73: Balance Sheet
Balance Sheet Balance Sheet As on 30th Jun’25 As on 30th Jun’24 As on 30th Jun’25 As on 30th Jun’24 % Growth CAPITAL AND LIABILITIES In ` Crores In ` Crores in $ Mn in $ Mn Capital 620 618 72 72 0.4% Reserves & Surplus 1,84,175 1,57,148 21,476 18,324 17% ESOP Outstanding 1,124 865 131 101 30% Deposi
Slide 74: Limited restructuring, largely secured and well provided
Limited restructuring, largely secured and well provided All figures in ₹ Crores Bank’s Net NPA* and Fund based BB and Below* portfolio Update on restructured book Outstanding Covid (1+2) restructuring as on 30.06.2025 Implemented PCR (excluding technical write offs) at 71%; net NPA at 0.45% Bank 1,
Slide 75: 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 76: Thank You
Thank You Quarterly Results Q1FY26 66