Axis Bank Limited · NSE:AXISBANK
Axis Bank — Q4 FY2025 Earnings Presentation
69 slides from Axis Bank's earnings presentation, April 2025
Slide 1: Investor Presentation Quarterly Results Q4FY25
Investor Presentation Quarterly Results Q4FY25 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB
Slide 2: Axis Bank at a glance
Axis Bank at a glance 3rd ~ 59 mn 1,04,400+ 5,876 Axis Bank Employees Branches* largest Private Bank in India Customers Traditional Banking Segment Digital Banking Segment Market Share 5.3% 5.0% 5.4% 32% 14% Assets 1 Deposits 1 Advances 1 UPI 4 Credit Cards 2 Profitability 17.1% 3.97% 2.76% 2.46% Co
Slide 3: Our House of GPS remains relevant, strengthened with distinctiveness and focus themes
Our House of GPS remains relevant, we have strengthened it with distinctiveness and identified focus themes to take charge Identified areas of distinctiveness Sustained, Consistent Financial Outperformance with focus on Customer Obsession Deliver world class customer experience led by project ‘Spars
Slide 4: Consistent Sustained Financial Performance
Consistent Sustained Financial Performance FY19 FY22 FY25 Deposits market share 4.3% 4.8% 5.0% Incremental market Advances market share of 5.5% and 5.7% share 4.9% 6.0% 5.4% in deposits and Growth advances over the last Operating 8% (1) (2) (3) 14% 16% 5 years Revenue growth Cons ROA 0.66% 1.29% 1.7
Slide 5: 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 6: Sparsh 2.0, our Customer Experience program
Sparsh 2.0, our Customer Experience program, is creating wow experiences by empowering employees, thereby building improved customer engagement, loyalty and advocacy The inside-out perspective (NPS) Empowerment of employees by digital platforms Retail Bank NPS Progress Adi | Gen AI chatbot Kaleidosc
Slide 7: Axis well positioned to capitalize on India's growth story
Axis continues to be well positioned to capitalize on India’s growth story Manufacturing surge Contribution to GVA expected to surge to Financialization of Savings 21% by 2032 from 14% currently • Decade-high retail equity participation; new demat additions saw 33% YOY Wholesale rise in CY24 (Bank a
Slide 8: 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 Q4FY25 8
Slide 9: Major highlights
Major highlights Q4FY25 Consolidated ROA at 1.88%; Consolidated ROE at 17.11%; PAT at `7,117 crores up 13% QOQ, aided by CASA growth of 10% QOQ and total deposits growth of 7% QOQ • Q4FY25 Net Interest Margin (NIM) at 3.97% up 4 bps QOQ, FY25 NIM at 3.98% Healthy core operating performance • Fee inc
Slide 10: Key metrics for Q4FY25
Key metrics for Q4FY25 Snapshot (As on 31st March 2025) Deposits Advances Absolute (₹ Cr) QOQ YOY Growth (a) 10% YOY (b) 8% YOY Q4FY25 Q3FY25 FY25 Q4FY25 Q4FY25 FY25 9% YOY Net Interest Income 13,811 13,606 54,348 2% 6% 9% Fee Income 6,338 5,455 22,504 16% 12% 11% Profit & 29% Loss Operating Expense
Slide 11: 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 Q4FY25 11
Slide 12: 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 & 3% QOQ YOY QOQ 10,664 10,840 YOY QOQ 10,372 9% 2% 10,245 9,924 10,408 10,000 10,146 9,651 9,801 8% 3% 2,994 8% 2% 2,908 2,946 2,781 2,910 6,245 6,549 6,690 14% 2% 5,881 6,099 (29%
Slide 13: Q4FY25 Core operating profit up 11% YOY
Q4FY25 Core operating profit up 11% YOY All figures in ₹ Crores Operating revenue Operating expense YOY QOQ Excluding PSLC 27% Opex YOY 11% 9% 6% cost (1%) 1% 19,855 20,205 20,590 4% 5% growth 19,232 19,578 6,779 9,319 9,493 9,838 6,766 5,784 6,722 5,972 14% 9,125 9,044 6,396 5,996 6,376 6,059 6,876
Slide 14: Net interest margin at 3.97%
Net interest margin at 3.97% Advances mix by rate type Cost of Funds MCLR Duration Split (Mar-25) 28% 1M, 5.50% 1% 4% 0% 5.35% 5.43% 5.44% 5.45% 5.46% 5.17% 9% 3M, 1% 5.03% 4.75% ~ 72% of 4.34% 12M, 5% 6M, 3% 4.09% loans 3.83% 3.89% floating 57% Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY2
Slide 15: 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 71% 71% As a % to total assets 67% 68% 64% 4.7% 3.5% 42.9% 43.6% 42.5% 40.9% 2.3% 39
Slide 16: Strong growth in fees; granularity built across segments
Strong growth in fees; granularity built across our business segments All figures in ₹ Crores Retail Banking fees 14% YOY Retail fee mix 22% QOQ 42% 41% 41% 4,738 27% 31% 4,159 24% 3,876 3,881 17% 18% 14% 3,706 14% 17% 14% TPP Retail Cards & Payments Retail Assets excl cards & Retail Liabilities & o
Slide 17: FY25 cost growth at 6% YoY; technology investment continues
FY25 cost growth at 6% YoY; investment in technology continues with 22% YoY increase FY25 opex growth by 6%. Increase in technology and statutory cost offset by savings in integration expenses Breakup of Increase in cost of 2,287 Cr (YoY ↑ 6%) 13% 22% 7% (63%) YoY% 23% 29% 78% (30%) % in Growth Inte
Slide 18: 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 Q4FY25 18
Slide 19: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio 1.44% 2.37% 19.12% 18.54% 14.67% 17.64% 13.74% 17.53% 16.63% 17.07% 3.72% 3.30% 4.19% 3.62% 2.40% 2.89% Net accretion to CET-1 of 15.40% 15.24% 14.67% 93 bps in FY25 14.02% 13.74% 13.34% CET-1 Mar'24 Accretion Consumption
Slide 20: 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 Q4FY25 20
Slide 21: Retail Banking
Retail Banking ~56 Mn 4th `5.92 T n Individual Largest issuer of AUM in wealth customers Credit Cards management 7% 7% 60% YOY growth in YOY growth in Share of Retail advances Rural advances Advances~ 3% 41% 75% YOY Growth in CASA CASA ratio Share in QAB* deposits (MEB**) total fee^ ~ share in Bank’
Slide 22: The Deposit journey for Axis Bank: 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 MEB3 total impacting the quality of LCR deposits… over the last 8 quarters… deposit growth in
Slide 23: Deposit growth 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 28% CAGR in Burgundy 18% YOY growth in Salary ~ 28K extensive distribution
Slide 24: 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 28% CAGR* 10% YOY 5.92 5.37 3.57 2.61 2.13 1.33 1.47 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 * CAGR for period Mar-19 to Mar-25 All figures In ₹ Tn Burgundy Private AUM^ ₹2.13 Tn 16%
Slide 25: ₹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 Mar-25 QOQ YOY % Prop Home Loans 1,67,144 - 1% 27% Rural loans 98,232 5% 7% 16% 20% 18% 15% MFI loans are ~2.1% of 11% 7% retail loans, of which YOY Personal loans
Slide 26: Small Business Banking segment
Small Business Banking segment SBB Portfolio (in Cr.) Well diversified customer base 17% YoY 4% QoQ • ₹ 66,757 crores overall book with Business Loan book of `16,993 crores 18% 15% 66,757 • ~71% value contribution from Secured products (working capital, overdraft, term loans, etc.) 57,219 2% 16,993
Slide 27: 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 1.04 1.06 0.96 0.77 0.68 Indian Oil Axis Bank Credit Card Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3
Slide 28: 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 13% CAGR^ growth in transactions led by ‘One Axis’ focus, improved product capabilities 9% CAGR^ in GMV (last 3 years) and partn
Slide 29: Well distributed branch network
We have a very well distributed branch network; added ~500 branches in FY25 and 170 branches in Q4FY25 Axis Virtual Centre Domestic branch network* Branch presence across categories 18% 5,876 ~9.2 mn 30% Customer 8 5,377 connect ^ Centers 4,758 4,903 4,594 ~1,700 29% Virtual RMs 23% Mar-21 Mar-22 Ma
Slide 30: Corporate & Commercial Banking
Corporate & Commercial Banking 8% 14% 10% YOY growth in Corporate YOY growth in YOY growth in loans SME loan book Mid Corporate book 11% 90% 90% YOY growth in Share of corporate Incremental sanctions Transaction Banking Fees advances to clients to A-and above** (for Q4FY25) rated A-and above 6% 11%
Slide 31: 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 32: 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 • 91% is India linked based on standard book • 69% of book as on 31.03.2025 is rated AA- & above • 96% is rated A- and above based on standard bo
Slide 33: Strengthened proposition as a Transaction Bank
We have strengthened our proposition as a Transaction Bank Current Account Digital Adoption 57% Current Account customers 16% QOQ and 6%YOY growth in Current registered for internet/mobile banking Account, Month End Balances (Q4FY25) Foreign LC Market Share Forex Turnover Market Share Market Share m
Slide 34: 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* 33% YOY 1st 1st 27% 1,09,131 25% 81,848 17.5% 16.6% 19% 19% 74,093 17% 73,808 FY24 FY25
Slide 35: 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 36: Industry-wise Distribution (Top 10)
Industry-wise Distribution (Top 10) All figures in ` Crores Outstanding1 as on 31st Mar’25 Total Rank Advances Investments Non-fund based Sectors Value (in % terms) 1. Financial Companies2 85,681 54,835 6,392 1,46,908 12.84% 2. Trade 42,007 501 853 43,361 3.79% 3. Real Estate3 35,562 3,374 146 39,08
Slide 37: Business Performance Commercial Banking
Business Performance Commercial Banking
Slide 38: Strong growth in SBB+SME+MC book
Strong growth in SBB+SME+MC book despite tightening our risk standards 23% 21% 20% 2,36,342 26% CAGR*# 18% 2,07,456 15% 51,064 1,70,458 46,583 31% CAGR# 26% CAGR# in combined MSME, MC and 1,30,321 38,078 SBB segment since Mar’21 1,18,521 26,481 19% CAGR# 94,041 1,03,654 17,148 89,398 75,223 59,034 6
Slide 39: 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 40: SME lending business
SME lending business Book by Loan size Well diversified Geographical mix Well diversified Sectoral mix 15% 16% 15% 11% 28% 9% 29% 10% 17% 40% 7% 2% 12% 2% 3% 6% 10% 3% 20% 3% 3% 6% 17% 4% 4% 4%4% Trade Retail and Wholesale Food and Beverages Textile Engineering Others West 1 West 2 CRE Petrochemical
Slide 41: Digital Banking
Digital Banking 97% 94% 76% 77% 44% 58% Digital Credit cards New MF SIP New SA Individual RTDs PL disbursed (end-to-end digital) transactions1 issued2 (Q4FY25) volume (Q4FY25) acquisition3 value (Q4FY25) (in Q4FY25) D2C products 250+ 300+ 4.7 @ ~15 Mn 480 3,800+ Services on Employee tool Mobile App
Slide 42: 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 * - 44% of retail individual TDs acqu
Slide 43: open by Axis Bank one stop digital banking solution
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 99.32% 64% of Branch service request Indian Bank to CIS Score -
Slide 44: UPI has scaled up tremendously as 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 45: 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 Q4FY25 45
Slide 46: Stable GNPA and NNPA, adequate provision cover
Stable GNPA and NNPA, adequate provision cover GNPA at 1.28% & NNPA at 0.33% Segmental composition Retail CBG WBG Total 69%^ 68%^ 92%^ 75%^ 1.43% 1.54% 1.44% 1.46% 1.28% 1.60% 0.92% 1.28% 0.31% 0.34% 0.34% 0.35% 0.33% 0.50% 0.77% 0.07% 0.33% 0.25% Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 GNPA NNPA GNPA NN
Slide 47: Legacy asset quality issues adequately addressed
Legacy asset quality issues adequately addressed Overall Credit Costs: FY10 to FY25 Trend in BB corporate book 3.57% (Fund based as % of GCA) 3.53% 7.29% Credit Cost 2.82% Net Credit Cost 2.78% 1.91% 2.15% 1.32% 1.87% 0.23% 1.89% 1.35% 1.56% 1.68% Jun'16 Mar'19 Mar'25 Long term (FY03 to FY24) 1.18%
Slide 48: Detailed walk of NPAs over recent quarters
Detailed walk of NPAs over recent quarters All figures in ₹ Crores Q4FY24 Q1FY24 Q2FY25 Q3FY25 Q4FY25 Gross NPAs - Opening balance A 15,893 15,127 16,211 15,466 15,850 Fresh slippages B 3,471 4,793 4,443 5,432 4,805 Upgradations & Recoveries C 2,155 1,503 2,069 1,915 2,790 Write offs D 2,082 2,206 3
Slide 49: 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 Q4FY25 49
Slide 50: 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 51: 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 52: 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 Q4FY25 52
Slide 53: Significant value in our 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 54: Axis Finance: PAT up 11% YOY, Retail book up 28% YOY
Axis Finance : PAT up 11% YOY, Retail book up 28% YOY Growth in Assets under Finance (AUF) 37% CAGR** 39,079 22% YOY All figures in ₹ Crores Major Highlights 1,260 (3%) 32,123 • 28% YOY growth in Retail book 709 18,418 23,340 (47%) • 14% YOY growth in Wholesale loan book 14,337 811 17,261 • 14.51% R
Slide 55: Axis AMC: PAT up 21% YOY
Axis AMC : PAT up 21% YOY All figures in ₹ Crores 24% CAGR* Overall QAAUM 18% CAGR* Equity QAAUM 9% YOY 17% YOY 1,80,048 1,64,981 3,21,506 1,43,546 1,37,074 2,74,265 2,59,818 2,41,415 1,96,549 98,822 1,38,402 61,968 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25
Slide 56: Axis Capital: Leading in Equity Capital Markets
Axis Capital : Among the leading players in Equity Capital Markets FY25 Ranking* by value (includes IPO, FPO, QIP, REIT, OFS & Rights) Rank Banker No of Deals* Major Highlights 1 Peer 1 35 • 44 ECM deals closed in FY25 that includes 20 IPO’s, 10 Blocks deals 2 Peer 2 24 • 4th rank in ECM deals 3 Pee
Slide 57: Axis Securities: PAT up 39% YOY
Axis Securities : PAT up 39% YOY Total customer base (in mn) 15% YOY 3rd largest bank led retail brokerage in terms of customer base 22% CAGR* Major Highlights 6.36 5.55 • 15% YOY growth in customer base in Q4FY25 4.86 4.17 • 36% of the volumes in Q4FY25 was from Mobile trading 3.63 2.27 • 53% of cl
Slide 58: Axis Trustee: AUM up 22% YoY
Axis Trustee: AUM up 22% YoY All figures in ₹ Crores Assets under Trust 22% YOY 17% CAGR* 47,44,704 Major Highlights 39,04,153 • 2.5X revenue growth in Securitization (YoY)) 29,94,794 30,01,067 26,43,586 • 65% revenue growth (YoY) in Facility Agency business 21,26,291 • 30+% market share in Alternat
Slide 59: 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 ₹ 1,80,000 crs+. Invoicemart has helped in price discovery for MSMEs across 1,100+ locations in India w
Slide 60: Freecharge: Focus on Merchant and Payment Aggregation
Freecharge: Focus Remains on Scaling Merchant and Payment Aggregation Businesses; New Merchant Lending Products Rolled out During the Quarter Merchant Business Payment Aggregation Consumer Payments & Financial Services • Launched unsecured business loans viz. • Deepening with existing enterprises re
Slide 61: 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 Q4FY25 61
Slide 62: Multiple awards and recognitions
Our winning mindset is reflected in multiple awards and recognitions… Won “Infosys Finacle Award”, for Co-lending Project implementation, Won ‘Domestic Retail Bank of the Transformation Excellence, Best BFSI Customer Won “Most Innovative use of AL/ML, year’ and ‘Digital Transformation Ecosystem led
Slide 63: Shareholding Pattern (as on March 31, 2025)
Shareholding Pattern (as on March 31, 2025) Life Insurance Corporation Others 7.91% 6.76% GDR's Foreign Institutional 3.33% Investors 42.48% Indian Institutions 39.52% ▪ Share Capital `619 crores ▪ Shareholders’ Funds `178,617 crores ▪ Book Value Per Share `577 ▪ Diluted EPS (Q4 FY25) (Annualised) `
Slide 64: Financial Performance (₹ crores)
Financial Performance Financial Performance (₹ crores) Q4FY25 Q4FY24 % Growth FY25 FY24 % Growth Interest Income A 31,243 29,225 7% 1,22,677 1,09,369 12% Other Income B = C+D+E 6,780 6,766 - 25,257 22,442 13% - Fee Income C 6,338 5,637 12% 22,504 20,257 11% - Trading Income D 173 1,021 (83%) 2,059 1
Slide 65: Financial Performance ($ mn)
Financial Performance Financial Performance ($ mn) Q4FY25 Q4FY24 % Growth FY25 FY24 % Growth Interest Income A 3,655 3,419 7% 14,352 12,795 12% Other Income B = C+D+E 793 792 - 2,955 2,626 13% - Fee Income C 742 659 12% 2,633 2,370 11% - Trading Income D 20 119 (83%) 241 203 19% - Miscellaneous Inco
Slide 66: Balance Sheet
Balance Sheet Balance Sheet As on 31st Mar’25 As on 31st Mar’24 As on 31st Mar’25 As on 31st Mar’24 % Growth CAPITAL AND LIABILITIES In ` Crores In ` Crores in $ Mn in $ Mn Capital 619 617 72 72 0.3% Reserves & Surplus 1,77,997 1,49,618 20,825 17,504 19% ESOP Outstanding 1,108 827 130 97 34% Deposit
Slide 67: 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 31.03.2025 Implemented PCR (excluding technical write offs) at 75%; net NPA declined 2 bps Q
Slide 68: 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 69: Thank You
Thank You Quarterly Results Q4FY25 69