Axis Bank Limited · NSE:AXISBANK
Axis Bank — Q2 FY2027 Earnings Presentation
69 slides from Axis Bank's earnings presentation, October 2026
Slide 1: Investor Presentation Quarterly Results Q2FY27
Investor Presentation Quarterly Results Q2FY27 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB
Slide 2: Axis Bank at a glance
Axis Bank at a glance 3rd ~ 55 mn 1,00,900+ 6,414 Axis Bank Employees Branches 1 largest Private Bank in India Customers Traditional Banking Segment Digital Banking Segment Market Share 5.4% 5.1% 5.8% ~ 38% ~ 13% Assets 2 Deposits 2 Advances 2 UPI 3 Credit Cards 4 Profitability 13.96% 3.36% 2.19% 2.
Slide 3: Executive Summary Financial Highlights 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 Q2FY27 3
Slide 4: Major highlights for Q2FY27
Major highlights for Q2FY27 Robust growth in deposits at 21% YOY and 6% QOQ and advances at 23% YOY and 9% QOQ; PAT up 38% YOY to ₹7,003 crores aided by strong NII growth at 12% YOY and improving asset quality • Core Operating profit at ₹10,998 crores, up 11% YOY; Core operating revenue at ₹21,817 c
Slide 5: Key metrics for Q2FY27
Key metrics for Q2FY27 Snapshot (As on 30th September 2026) Deposits Advances (a) Absolute (₹ Cr) QOQ YOY Growth 21% YOY (a) / 17% YOY (a, c) 23% YOY / 19% YOY (c) Q2FY27 Q1FY27 H1FY27 Q2FY27 Q2FY27 H1FY27 23% YOY (b) Net Interest Income 15,371 14,646 30,018 5% 12% 10% Fee Income 6,381 6,156 12,536
Slide 6: FCNR (B) Deposits under RBI Special Window
FCNR (B) Deposits under RBI Special Window Amount in ₹ crores Total FCNR (B) deposits Balance sheet metrics As on Sep-26 YOY % QOQ % ₹ 1,018 bn Total Deposits 14,52,066 20.7% 5.8% CASA 5,29,539 10.5% 1.5% ($10.62 bn) Includes: Term Deposits 9,22,527 27.3% 8.4% Backed by Loans extended by the Include
Slide 7: Executive Summary Financial Highlights 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 Q2FY27 7
Slide 8: Deposit and Loan growth performance
Deposit and Loan growth performance All figures in ₹ billion Deposit mix (QAB)1 Segment loan mix YOY QOQ YOY QOQ 13,964 23% 7% 13,048 13,737 23% 9% 11,974 12,265 12,616 12,336 11,397 11,590 11,167 4,692 34% 8% 4,129 4,344 (34%) 9,021 3,751 8,234 (65%) 28% 10% 3,497 7,492 7,682 7,057 1,646 1,516 (12%
Slide 9: Operating Performance
Operating Performance Operating revenue Operating expense All figures in ₹ Crores YOY QOQ 9% 21,902 7%1 YOY QOQ 20,512 20,480 21,382 8% 2% 20,369 7% 6% 6%1 5% 5% 11% 6,531 10,466 10,819 9% 6,226 6,023 6,736 1% 3% 9,957 9,637 9,722 6,625 7,352 7,505 10% 13% 6,839 6,865 6,664 13,745 14,286 14,457 14,6
Slide 10: Net interest margin trend
Net interest margin trend Advances mix by rate type Cost of Funds MCLR Duration Split (September-26) 28% 1M, 0.3% 3% 0.2% 3M, 1% 2% 6% 5.50% 5.43% 5.44% 5.45% 5.46% 5.39% 5.35% ~ 72% of 6M, 1% 5.17% 5.15% loans 12M, 4% 5.07% 5.06% 5.04% 5.07% floating 60% 2 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25
Slide 11: NIM has seen structural improvement led by multiple drivers
NIM has seen structural improvement led by multiple drivers 1 Improvement in balance sheet mix Reducing share of low yielding Composition reflected through 2 3 RIDF bonds average1 CASA% Loans and investments as % of total assets 86% 88% 89% 89% 89% 2.3% 1.5% 43.6% 42.5% 0.9% 30,564 39.3% 0.5% 0.4% 3
Slide 12: Healthy growth in fees; granularity built across our business segments
Healthy growth in fees; granularity built across our business segments All figures in ₹ Crores Retail Banking fees 4% YOY Retail fee mix1 7% QOQ 44% 44% 41% 4,833 4,269 4,358 4,437 25% 26% 4,152 21% 15% 17% 17% 16% 18% 15% TPP Retail Cards & Payments Retail Assets excl cards & Retail Liabilities & o
Slide 13: Operating expenses grew at 9% YOY
Operating expenses grew at 9% YOY All figures in ₹ Crores Break-up of operating expenses YOY movement - 3% 19% 6% 6% YOY% 9% 11%1 48% 23% 29% % of growth 6%2 201 251 410 9,957 9,722 10,819 Business Investments Includes impact volumes and in IT Infra of Increments change in and digital rolled out in
Slide 14: AXIOM: Building an AI-led, customer-centric bank
AXIOM: Building an AI-led, customer-centric bank Our AI operating model is driven by a platform approach with reusable capabilities AXIOM Operating AXIOM Capability Model Platform 5 focus areas driving AI Reusable, governed capabilities industrialization creating enterprise-wide impact FROM USE CASE
Slide 15: AXIOM in Action: Q2FY27 - Progress at a glance
AXIOM in Action: Q2FY27 - Progress at a glance A Zero Ops ~34 Mn AI- assisted doc reading ~35 p.p1 NFTR reduction in YoY growth2 Conversational F ~9.5X #Call conversions ~60% Collections: AI bot- Collections: Call O B Interface for 2.50 Mn+ Sales: AI bot- QOQ led calls ~50% resolution rate Customers
Slide 16: Executive Summary Financial Highlights 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 Q2FY27 16
Slide 17: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio 18.54% 1.18%* 0.95% 17.64% 17.07% 16.63% 16.42% 16.27% 14.61% 2.20% 14.38% 3.07% 2.00% 1.10% 2.43% 1.64% 1.31% 0.40% 0.40% 0.35% 0.55% 0.46% 15.24% 14.67% 14.38% 14.61% 14.02% 13.74% CET-1 Mar'26 Accretion Consumption CET-
Slide 18: Executive Summary Financial Highlights 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 Q2FY27 18
Slide 19: Retail Banking
Retail Banking ~52 Mn 4th `8.20 Tn Individual Largest issuer of AUM in wealth customers Credit Cards management 16% 20% 54% YOY growth in YOY growth in Share of Retail advances Rural advances Advances1 13% | 12% 36% 70% YOY Growth in SA CASA ratio Share in QAB2 | MEB3 deposits (MEB3) total fee4 1 Sh
Slide 20: 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 … growing faster than the industry aided by We continue to work on improving the …with controlled movement in cost of deposits granularization in order to improve the over the last 2 years and… improved acquisition and c
Slide 21: …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 30% CAGR in Burgundy ~ 20K extensive distribution SA New to Bank deposits1 up 16% YOY growth in ETB S
Slide 22: Amongst the leading players in India's Wealth Management space
Amongst the leading players in India’s Wealth Management space All figures In ₹ trillion Overall Burgundy AUM has grown strongly 30% CAGR1 27% YOY 9% QOQ 8.20 6.78 6.45 5.92 5.37 3.57 2.61 2.13 1.47 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-25 Sep-26 Burgundy Private AUM ₹2.77 Tn 12% YOY
Slide 23: ₹7.4 trillion Retail loan book remains well diversified
₹7.4 trillion Retail loan book remains well diversified ~ 74% of our retail book is secured (1) Retail book (in ₹ billion) in ₹ Crores Sep-26 QOQ YOY % Prop 16% Home Loans 1,75,261 1% 6% 24% YOY 2 8% 8% 10% Rural loans 1,22,338 4% 20% 17% MFI loans are ~3.7% of retail 6% 6% loans, of which ~1.2% is
Slide 24: Small Business Banking segment
Small Business Banking segment All figures in ₹ Crores Well diversified customer base2 SBB Portfolio 21% YOY • ₹85k crores overall book with Business Loan 7% QOQ (unsecured) book of ₹18.9k crores 11% 21% 85,167 10% 78,018 • ~72% value contribution from Secured products (working capital, overdraft, t
Slide 25: Trend in Credit Card issuances
Trend in Credit Card issuances Axis Bank Magnus Credit Card Card issuances continue to remain strong In million 1.21 1.26 1.24 1.06 1.07 1.10 1.09 0.96 0.95 0.92 0.77 0.79 0.68 Axis Bank Horizon Credit Card Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 16
Slide 26: 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 led by ‘One Axis’ focus, improved product capabilities ₹54 crores GMV (H1FY27) ~0.9 lakh transactions (H1FY27) and partnerships
Slide 27: Driving the next phase of growth in Bharat through Scale, distinctiveness and sustainable value
Driving the next phase of growth in Bharat through Scale, distinctiveness and sustainable value creation • Building integrated rural ecosystem to deepen customer engagement and unlock multi-product growth opportunities • Lending opportunities in RuSu markets is complementing the Bank’s overall PSL s
Slide 28: We have a very well distributed branch network
We have a very well distributed branch network Branch presence across categories Axis Virtual Centre Domestic branch network1 7% YOY 19% 29% 6,275 6,414 5,876 5,377 ~4.4 mn 8 4,903 Centers Customer connect 2 29% 1,669 23% Virtual RMs Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Metro Urban Semi-Urban Rural •
Slide 29: Corporate & Commercial Banking
Corporate & Commercial Banking 34% 25% 29% YOY growth in YOY growth in YOY growth in Corporate loans SME loans Mid Corporate loans 9% 91% YOY growth in 88% Transactional Banking fees, Share of corporate Incremental sanctions forex & trade advances to clients to A-and above1 (for H1FY27) rated A-and
Slide 30: 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 31: …with 91% of the book rated A- and above
…with 91% of the book rated A- and above 91% 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 • 70% of book as on 30.09.2026 is rated AA- & above • 98% is rated A- and above based on standard bo
Slide 32: We have a strong Transaction Banking proposition
We have a strong Transaction Banking proposition NEFT Volume Payment Market Share 3 IMPS Volume Market Share 3 Market Share at Market share at 38% (Sep 261) 26% (Sep 261) Foreign LC Market Share2 BBPS Value Market Share 3 Market Share at Market Share at 11% (Sep 261) 16% (Aug 261) 4 RTGS Value Payme
Slide 33: We remain 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 / arranged1 Market share and Rank2 14% 13% 12% 1st 1st 12% 10% 65,363 63,820 21.9% 18.5% 51,550 51,938 48,948 48,355 47,85
Slide 34: neo by Axis Bank | Empowering Businesses with Cutting-Edge Digital Solutions
neo by Axis Bank | Empowering Businesses with Cutting-Edge Digital Solutions from Account Opening to Seamless Web & Mobile Experiences Transformational Impact of Neo reflected in …with a fully digital application that sets new standards for the strong product-market fit supported by Highly rated Mob
Slide 35: Industry-wise Distribution (Top 10)
Industry-wise Distribution (Top 10) All figures in ` Crores Outstanding1 as on 30th Sep’26 Total Rank Advances Investments Non-fund based Sectors Value (in % terms) 1. Financial Companies2 1,27,636 30,299 60,338 2,18,273 12.92% 2. Engineering & Electronics 33,291 89 45,450 78,830 4.67% 3. Trade 55,4
Slide 36: Business Performance: Commercial Banking
Business Performance Commercial Banking
Slide 37: Strong growth in SBB+SME+MC book despite tightening our risk standards
Strong growth in SBB+SME+MC book despite tightening our risk standards All figures in ` Crores 24% 24% 22% 21% 19% 331,571 27%1 CAGR2 16% 265,833 81,812 32% CAGR2 222,080 63,664 27% 187,309 CAGR2 in combined MSME, MC and 49,731 SBB segment 141,933 42,172 164,592 22% CAGR2 102,097 30,806 131,506 110,
Slide 38: Commercial Banking
Commercial Banking • One of the most profitable segments of the Bank with high PSL coverage • Data driven credit decisions, simplified products and digitized operations aiding higher business growth SME1 Advances All figures in ` bn 13% 15% 15% 16% 16% 25% YOY 9% QOQ 87% 85% 85% 84% 84% 1,646 1,472
Slide 39: SME lending
SME lending Book by Loan size Well diversified Geographical mix Well diversified Sectoral mix 1 16% 27% 27% 32% 15% 28% 24% 8% 18% 28% 28% 9% 2% 2% Less than 5 cr 5 cr to 10 cr 2% West South North East & others 3% 6% 10 cr to 25 cr More than 25 cr 4% 4% 6% 4% 4% 4% SME book mix (by tenure) Increment
Slide 40: Digital Banking
Digital Banking 98% 92% 57% 61% 45% 84% Digital Credit cards New MF SIP New SA Individual RTDs PL disbursed (end-to-end digital) transactions1 issued2 (Q2FY27) volume (Q2FY27) acquisition3 value (Q2FY27) (in Q2FY27) D2C products 250+ 300+ 4.8 ~16 Mn 675 4,450+ Services on Employee tool Mobile App 4
Slide 41: Our digital strategy: open by Axis Bank
Our digital strategy: open by Axis Bank 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 - 45% of retail individual TDs acquired dig
Slide 42: open by Axis Bank is a one stop solution for all the 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 77% 3.4x ~1.5 mn 99.75% of Branch service request YOY growth in
Slide 43: UPI has scaled up tremendously to become a key channel for customer transactions
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 44: Executive Summary Financial Highlights 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 Q2FY27 44
Slide 45: GNPA, NNPA, slippages and credit costs improved YOY and QOQ
GNPA, NNPA, slippages and credit costs improved YOY and QOQ GNPA at 1.16% & NNPA at 0.35% Segmental composition Retail CBG WBG Total 1 1 1 1 65% 67% 94% 70% 1.46% 1.40% 1.28% 1.23% 1.16% 1.74% 0.44% 0.42% 0.37% 0.39% 0.35% 0.48% 0.61% 1.16% 0.70% 0.35% 0.23% 0.03% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27
Slide 46: Detailed walk of NPAs over recent quarters
Detailed walk of NPAs over recent quarters All figures in ₹ Crores Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Gross NPAs - Opening balance A 17,765 17,308 17,167 16,084 17,125 Fresh slippages B 5,696 6,007 4,675 5,566 4,762 Upgradations & Recoveries C 2,887 2,872 2,662 2,126 2,380 Write offs D 3,266 3,276 3
Slide 47: Executive Summary Financial Highlights 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 Q2FY27 47
Slide 48: 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 Latest S&P DJSI ESG Environmental Social Governance Score 2025 - 58 ₹61,348 Cr
Slide 49: 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 as on FY
Slide 50: Sparsh: Building a Customer-Led Growth Engine
Sparsh: Building a Customer-Led Growth Engine A bank-wide operating discipline, measured by NPS, powered by AI, delivered at every touchpoint. NPS Sparsh Sparsh Week 2026 | Act with Week 2026 | Act with Speed Speed 7–11 September 2026 NPS momentum reflects improved quality and consistency of custome
Slide 51: Executive Summary Financial Highlights 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 Q2FY27 51
Slide 52: Continue to create significant value in our key group entities
Continue to create significant value in our key group entities One Axis Group Investment Enterprise Asset Management Banking Retail Brokerage Trustee Fintech platform TReDS platform Insurance Focused NBFC & Inst Equities Among the prominent Among the leaders in AAA rated NBFC with Amongst the leadin
Slide 53: Axis Finance: Consistent Growth in Book and Profitability
Axis Finance : Consistent Growth in Book and Profitability All figures in ₹ Crores Healthy growth in Assets Under Management Robust operating and asset quality metrics 27% CAGR1 30% YOY Book Highlights CAGR1 YOY 54,594 22% CAGR1 42% YOY AUM 30% 23% 48,175 Retail 45% 24% 44,232 85% of the book is sec
Slide 54: Axis AMC: PAT up 36% YOY
Axis AMC : PAT up 36% YOY All figures in ₹ Crores 9% CAGR1 Overall QAAUM 9% YOY AAUM Asset by Class 14% CAGR2 Trend in PAT 36% YOY 8% 5% 21% 382,966 359,601 351,238 321,506 596 259,818 274,265 501 241,415 415 414 3 357 370 14% 271 52% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-25 Sep-26 FY22 FY23 FY24 F
Slide 55: Axis Capital: PAT up 61% YOY, Amongst the leader in the Full-Service Investment Banking
Axis Capital : PAT up 61% YOY, Amongst the leader in the Full-Service Investment Banking Investment Banking Highlights Institutional Equities Highlights • Announced Investment Banking transactions across Capital Markets, Private Placement & Advisory in Q2FY27 including 20 ECM & 5 Non-ECM • 314 stock
Slide 56: Axis Securities: 8% YOY growth in customer base
Axis Securities : 8% YOY growth in customer base 13% CAGR1 Total customer base (in mn) 8% YOY Major Highlights 7.09 7.32 6.78 6.36 5.55 • 46% of the volumes in Q2FY27 was from Mobile trading 4.86 4.17 • 61% of clients traded through Axis Direct Mobile App in Q2FY27 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26
Slide 57: Axis Trustee: Revenue up 20% YOY and PAT up 20% YOY
Axis Trustee: Revenue up 20% YOY and PAT up 20% YOY Major Highlights Key Product Market Share • Operating1 revenue up 29% YOY, Operating margin expanded from 53% in H1FY26 to 55% in H1FY27 100% 100% • Cost-to-income ratio improved from 42% in H1FY26 to 38% in H1FY27 67% 70% • New Business contribute
Slide 58: Invoicemart: Driving Scale, Innovation and Impact in TReDS
Invoicemart: Driving Scale, Innovation and Impact in TReDS Progress so far (Jul’17 to Sep’26) • A.TREDS Ltd digital invoice discounting platform ‘Invoicemart’ has set a new benchmark by facilitating financing of MSME invoices of more than ₹3,36,000 crs+ Throughput ~ ₹3,36,000 Cr • Invoicemart has he
Slide 59: Freecharge entities continue to scale at a healthy pace
Freecharge entities continue to scale at a healthy pace Freecharge Payment Technologies Private Limited Freecharge Business and Technology Services Limited Integrated Business Correspondent-led merchant financial Payment gateway and payment aggregation services provider services network, with a tech
Slide 60: Executive Summary Financial Highlights 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 Q2FY27 60
Slide 61: 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 2026”, for Business Model Burgundy Private Won ‘Best Private Innovation – Multibank Sweep Won “Best Mobile Banking Bank for Digitally Empowering Won “Digital Innovation in Banking Implementati
Slide 62: Shareholding Pattern (as on Sept 30, 2026)
Shareholding Pattern (as on Sept 30, 2026) Life Insurance Corporation Others 7.86% 6.44% GDR's 3.11% Foreign Institutional Investors 38.05% Indian Institutions 44.54% ▪ Share Capital `623 crores ▪ Shareholders’ Funds `2,18,749 crores ▪ Book Value Per Share `703 ▪ Diluted EPS (Q2FY27) (Annualised) `8
Slide 63: Financial Performance
Financial Performance Financial Performance Q2FY27 Q1FY27 Q2FY26 % Growth QOQ % Growth YOY H1FY27 H1FY26 % Growth (₹ crores) Interest Income A 36,419 33,986 30,970 7% 18% 70,404 62,034 13% Other Income B = C+D+E 6,531 6,735 6,625 -3% -1% 13,266 13,883 -4% - Fee Income C 6,381 6,156 6,037 4% 6% 12,53
Slide 64: Financial Performance ($ mn)
Financial Performance Financial Performance ($ mn) Q2FY27 Q1FY27 Q2FY26 % Growth QOQ % Growth YOY H1FY27 H1FY26 % Growth Interest Income A 3,801 3,547 3,232 7% 18% 7,347 6,474 13% Other Income B = C+D+E 682 703 691 -3% -1% 1,384 1,449 -4% - Fee Income C 666 642 630 4% 6% 1,308 1,230 6% - Trading Inc
Slide 65: Balance Sheet
Balance Sheet As on 30th As on 30th As on 30th As on 30th As on 30th As on 30th Balance Sheet % Growth QOQ % Growth YOY Sep'26 Jun'26 Sep’25 Sep'26 Jun'26 Sep’25 CAPITAL AND LIABILITIES In ₹ Crores In ₹ Crores In ₹ Crores in $ mn in $ mn in $ mn Capital 623 622 621 65 65 65 0.1% 0.3% Reserves & Surp
Slide 66: Legacy asset quality issues adequately addressed
Legacy asset quality issues adequately addressed Overall Credit Costs: FY12 to Q2FY27 3.57% 3.53% Trend in BB corporate book Credit Cost (Fund based as % of GCA) 2.82% Net Credit Cost 7.29% 2.78% 15 year rolling 2.15% average (FY12-26) 1.91% 1.87% 1.32% 1.89% 0.15% 1.56% 1.68% 1.36% 1.04% 1.04% 1.07
Slide 67: Limited restructuring, largely secured and well provided
Limited restructuring, largely secured and well provided All figures in ₹ Crores Bank’s Net NPA1 and Fund based BB and Below 1 portfolio Update on restructured book PCR (excluding technical write offs) at 70%; net NPA at 0.35% Outstanding Covid (1+2) restructuring as on 30.09.2026 Implemented Bank 8
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 Q2FY27 69