Half Year 2026 Axis Bank Ltd Earnings Call Transcript
Key Points
- Axis Bank Ltd (FRA:UZC) reported strong growth in advances and deposits, gaining market share in both areas.
- The bank's balance sheet remains resilient with a strong capital position, enabling profitable and sustainable growth.
- Core operating revenue increased by 4% year on year, and core operating profit rose by 3% year on year.
- The bank's UPI market share rose to over 35% in terms of both value and volume, reinforcing its leadership position.
- Axis Bank Ltd (FRA:UZC) continues to innovate with new product launches and digital solutions, enhancing customer safety and financial access.
- Net interest margin declined by 25 basis points year on year to 3.77%, reflecting pressure on margins.
- The bank faced a one-time standard asset provision of 1,231 crores due to regulatory directives, impacting profitability.
- Operating expenses grew by 3% year on year, with statutory expenses contributing to the increase.
- The bank's risk-weighted assets as a percentage of total assets increased, indicating higher risk exposure.
- There is ongoing pressure from government-related deposit balances, affecting overall 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 September 30, 2025.
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 proceedings 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 this bank, I once again welcome all the participants to the conference call.
On the call, we have Mr. Amitab Chowdhury, MD and CEO, and Mr. Puneet Sharma fo. I now hand the conference over to Mr. Amitab Choudhury, MD, and CEO. Thank you, and over to you, sir.
Apart from Pune, we have on the call Surat, Mohnti Edi, Mani Shadaidi Gambhir designate, and other members of
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