Mumbai, April 24, 2025
Axis Bank, India’s third-largest private sector bank, announced robust financial results for the quarter and year ended March 31, 2025. The bank reported a 13% quarter-on-quarter (QoQ) rise in Profit After Tax (PAT) to ₹7,117 crores, supported by a 10% QoQ growth in Current Account Savings Account (CASA) deposits and improved operational efficiency. For FY25, PAT grew 6% year-on-year (YoY) to ₹26,373 crores, reflecting resilience amid a tight liquidity environment.
Key Financial Highlights
| Metric | Q4FY25 | Q3FY25 | YoY Growth | FY25 | FY24 |
|---|---|---|---|---|---|
| Net Profit (₹ Cr) | 7,117 | 6,304 | Flat | 26,373 | 24,861 |
| Net Interest Income | ₹13,811 Cr | ₹13,606 Cr | 6% | ₹54,348 Cr | ₹49,894 Cr |
| Net Interest Margin | 3.97% | 3.93% | +4 bps | 3.98% | 3.47% |
| Gross NPA | 1.28% | 1.46% | -18 bps | 1.28% | 1.43% |
| Return on Equity | 17.11% | 16.98% | +13 bps | 16.89% | 18.86% |
| CASA Ratio (MEB) | 41% | 39% | +200 bps | 41% | 43% |
Deposit & Advance Growth
- Total Deposits rose 10% YoY to ₹11.73 lakh crores, with term deposits surging 14% YoY.
- Net Advances grew 8% YoY to ₹10.41 lakh crores, led by retail loans (7% YoY) and SME loans (14% YoY).
- Digital Dominance: 97% of transactions by individual customers were digital, while UPI volume market share stood at 32%.
Asset Quality & Provisions
- Gross NPA improved to 1.28% (from 1.46% in Q3FY25), with Net NPA at 0.33%.
- Provision Coverage Ratio (PCR) remained healthy at 75%, with cumulative provisions of ₹11,957 crores.
Subsidiaries Shine
| Subsidiary | FY25 PAT (₹ Cr) | YoY Growth | Key Achievement |
|---|---|---|---|
| Axis Finance | 676 | 11% | Retail book up 28% YoY |
| Axis AMC | 501 | 21% | Assets under management at ₹3.21 lakh crores |
| Axis Securities | 419 | 39% | Broking revenue up 45% YoY |
| Axis Capital | 161 | 7% | Executed 44 ECM deals in FY25 |
Digital & Innovation Milestones
- Axis Mobile App: Rated 4.7/5 on Google Play and iOS, with 15 million monthly active users.
- UPI Leadership: Processed 20% YoY growth in UPI transaction value.
- Merchant Acquiring: Maintained ~19% terminal market share, ranking among India’s top players.
ESG & Sustainability
- Planted 2 million saplings under environmental initiatives.
- Ranked 2nd among Indian banks in S&P ESG Scores 2024.
- 27.7% female workforce representation, targeting 30% by FY27.
Dividend & Market Performance
- The board recommended a dividend of ₹1 per share (face value ₹2).
- Market Capitalization: ₹3.73 lakh crores (as of April 23, 2025).
Management Insight
Amitabh Chaudhry, MD & CEO, emphasized the bank’s focus on “profitability over growth” in FY25, while preparing for an improved operating environment in FY26. He highlighted investments in digital infrastructure and Bharat Banking as key differentiators.
Analyst View
Axis Bank’s ability to maintain low NPAs, scale digital channels, and deliver double-digit subsidiary growth positions it favorably against peers. However, moderating ROE (down to 16.89% in FY25 from 18.86% in FY24) warrants monitoring.
*For investor queries: investor@axisbank.com | Media Contact: Piyali Reddy, +91-22-24252021*
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