Investor Presentation

Here's a concise, retail-friendly summary for Axis Bank's Q1FY27 results: **1. Business Performance:** Axis Bank delivered strong Q1FY27 results, with Profit After Tax (PAT) up 23% YoY to ₹7,114 crore and core operating profit rising 10% YoY to ₹11,122 crore.

Net Interest Income (NII) grew 8% YoY to ₹14,646 crore, maintaining a healthy Net Interest Margin (NIM) of 3.46%. Overall business saw total deposits expanding 18% YoY and net advances growing 19% YoY.

Key segments like SME loans (+25% YoY) and Corporate loans (+38% YoY) drove growth.

Asset quality improved, with Gross NPA at 1.28% and Net NPA at 0.39%. **2. Growth Drivers or Strategy:** The bank is aggressively pursuing digital and AI-led transformation, using its "AXIOM" strategy for advanced AI capabilities and enhanced customer experiences.

Strategic partnerships, including a ₹100 crore collaboration with BITS Pilani for innovation, are key.

Axis is also strengthening its leadership in UPI Payer PSP and merchant acquiring. **3. Recent Developments:** Recent highlights include pioneering Aadhaar Face Authentication for digital mobile updates and enabling biometric card payments with Flipkart/PayU.

Axis Finance successfully raised ₹2,250 crore from Axis Bank and Kedaara Capital.

The bank also acquired ~0.9 million new credit cards and launched a Digital Locker-focused branch this quarter. **4. Key Financial Metrics:** * **Profit After Tax (PAT):** ₹7,114 crore (+23% YoY) * **Core Operating Profit:** ₹11,122 crore (+10% YoY) * **Net Interest Income (NII):** ₹14,646 crore (+8% YoY) * **Net Interest Margin (NIM):** 3.46% * **Total Deposits:** ₹13,72,936 crore (+18% YoY) * **Net Advances:** ₹12,61,557 crore (+19% YoY) * **Gross NPA:** 1.28% (down 29 bps YoY) * **Net NPA:** 0.39% (down 6 bps YoY) * **Diluted EPS (annualized):** ₹91.24 * **Return on Equity (ROE) (annualized):** 14.16% **5. Management Commentary / Outlook:** MD & CEO Amitabh Chaudhry highlighted the bank's commitment to building a future-ready franchise based on trust, innovation, and resilience.

The focus remains on investing in digital security, AI-driven customer journeys, and expanding growth platforms to create lasting value.