Q3 2025 Axis Bank Ltd Earnings Call Transcript
Key Points
- Axis Bank Ltd (STU:UZC) reported a 14% year-on-year increase in core operating profit, indicating strong operational performance.
- The bank's deposit growth remains healthy, with a 13% year-on-year increase, surpassing industry averages.
- Axis Bank Ltd (STU:UZC) has maintained a strong capital position with a CET1 ratio of 14.61%, reflecting robust capitalization.
- The bank's focus on premiumization is evident with a 26% year-on-year growth in Burgundy assets under management.
- Axis Bank Ltd (STU:UZC) has been recognized with several awards, including the Best Indian Bank at the Financial Times Bank of the Year 2024 Awards, showcasing its service quality.
- The bank's loan growth is slower than some private sector peers, potentially impacting its competitive position.
- Axis Bank Ltd (STU:UZC) is experiencing heightened delinquency levels in unsecured retail products, such as personal loans and credit cards.
- The bank's net interest margin has declined by 6 basis points quarter-on-quarter, indicating pressure on profitability.
- Operating expenses have only moderated slightly, with a 1% year-on-year growth, suggesting room for further cost optimization.
- Axis Bank Ltd (STU:UZC) faces challenges in deposit growth, with some analysts noting it lags behind peers in retail LCR deposit growth.
Ladies and gentlemen, good day, and welcome to the Axis Bank conference call to discuss the bank's financial results for the quarter ended December 31, 2024.
Participation in the conference call is by invitation only. Axis Bank reserves the right to block access to any person to whom an invitation has not been sent. Unauthorized dissemination of the contents or the proceeding of the call is strictly prohibited. And prior explicit permission and written approval of Axis Bank is imperative.
(Operator Instructions) Please note that this conference is being recorded. On behalf of Axis Bank, I once again welcome all the participants to the conference call. On the call, we have Mr. Amitabh Chaudhry, MD and CEO; Mr. Rajiv Anand, Deputy Managing Director; and Mr. Puneet Sharma, CFO.
I now hand the conference over to Mr. Amitabh Chaudhry, MD and CEO. Thank you, and over to you, sir.
Thank you so much, Michel. We have on the call apart from Rajiv
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