Investor Presentation

AXIS/CO/CS/261/2026-27 July 18, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, P. J. Towers, Plot No. C/1, “G” Block Dalal Street Bandra-Kurla Complex Fort, Mumbai – 400 001 Bandra (E), Mumbai – 400 051 NSE Symbol: AXISBANK BSE Scrip Code: 532215 Dear Sir/Madam, REF.: DISCLOSURE UNDER REGULATION 30 OF THE SEBI (LISTING OBLIGATIONS AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2015 (“SEBI LISTING REGULATIONS”) SUB.: INVESTOR PRESENTATION ON THE FINANCIAL RESULTS OF AXIS BANK LIMITED (“BANK’) FOR THE QUARTER ENDED JUNE 30, 2026 In reference to our letter no. AXIS/CO/CS/250/2026-27 dated July 18, 2026, a copy of the revised Investor Presentation on the unaudited standalone and consolidated financial results of the Bank for the quarter ended June 30, 2026, is attached herewith. This is for your information and records. Thanking You. With warm regards, For Axis Bank Limited Sandeep Poddar Company Secretary Encl: as above London Stock Exchange Singapore Stock Exchange Investor Presentation Quarterly Results Q1FY27 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB Axis Bank at a glance 3rd ~ 54 mn 1,00,700+ 6,295 Axis Bank largest Private Bank in India Customers Employees Branches 1 Traditional Banking Segment Digital Banking Segment Market Share 5.4% 5.1% 5.7% ~ 38% ~ 13.4% Assets 2 Deposits 2 Advances 2 UPI 3 Credit Cards 4 Profitability 14.52% 3.46% 2.47% 2.20% Consolidated ROE 5 Net Interest Margin 5 Operating Profit Margin 5 Cost to Assets 5 Balance Sheet 16.67% | 14.64% `156 Bn | 1.24% 70% |0.39% Cumulative provisions CAR 6 CET 16 PCR Net NPA (standard + additional non-NPA) 29% 72% 8% 3% Key Subsidiaries YOY growth in YOY growth in YOY growth in YOY growth in Axis Finance PAT 5 Axis Capital PAT 5 Axis Securities PAT 5 Axis AMC PAT 5 1Domestic network including extension counters; 2 Based on RBI data as of June 30, 2026 3 UPI payer PSP space market share by volume for Q1FY27 4 Credit Cards in force market share as of May’26 5 for Q1FY27 6 CAR – Capital Adequacy ratio; CET 1 – Common Equity Tier 1 ratio; QuarterlyResultsQ1FY27 2 Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information QuarterlyResultsQ1FY27 3 Major highlights for Q1FY27 PAT up 23% YOY driven by positive operating jaws and stable asset quality; Market share gains across deposits and advances, deposits up 18% YOY, advances up 19% YOY • Operating profit at ₹11,659 crores, up 16% QOQ; Core operating profit at ₹11,122 crores, up 5% QOQ • Net Interest Income up 8% YOY, Net Interest Margin (NIM) at 3.46% Stable core operating performance • Fee income up 7% YOY; granular fee constituted 90% of overall fees; Retail fee up 2% YOY • Cost to assets at 2.20%, declined 21 bps YOY and 8 bps QOQ • YOY QAB1 | MEB1 basis, total deposits grew 18% | 18%; term deposits grew 21% | 23%, CA grew 13% | 6%, SA grew 14% | 14%, respectively Robust deposit growth delivered across • QOQ QAB1 | MEB1 basis total deposits grew 6% | 3%, term deposits grew 7% | 5%, CA grew 3% | -6%, SA grew 6% | 1%, respectively average and period end balances • QAB1 | MEB1 CASA grew 13% | 11% YOY and 5% | -1% QOQ, with CASA ratio at 37% | 38%, respectively • Cost of funds decreased by 35 bps YOY and 2 bps QOQ • Advances grew 19% YOY & 2% QOQ; Bank’s focus segments2 grew by 18% YOY and 2% QOQ • SBB2+SME+MC at ₹3,061 bn | 24% of total loans, up ~911 bps in last 5 years Strong loan growth delivered • SME loans up 25% YOY and 3% QOQ, Corporate loans up 38% YOY and 5% QOQ of which Mid-Corporate (MC) up 27% YOY and 10% QOQ • Retail loans grew 8% YOY of which SBB book grew 18% YOY and 2% QOQ. Retail disbursements grew 18% YOY • Overall capital adequacy ratio (CAR) stood at 16.67%, CET 1 ratio at 14.64% Well capitalized with adequate liquidity • Additional cushion of ~52 bps over the reported CAR, attributable to other provisions and one-time standard asset provision aggregating ₹8,244 crores buffers • Excess SLR of ₹1,41,700 crores • Avg. LCR during Q1FY27 was ~119% • Maintaining our market leading position in UPI Payer PSP space with a market share of ~ 38%3, with lowest technical declines4 Continue to maintain our strong position in • Continues to be amongst the largest players in Merchant Acquiring business in India with a terminal market share of 22.1%5 Payments and Digital Banking • Acquired 0.9mn cards in Q1FY27, having a market share of ~13.4%5 on the Cards in force • Axis Mobile app continue to be among the top-rated mobile banking app on Google Play store and iOS store with a rating of 4.8 on both, with ~16 mn MAU6 • GNPA at 1.28% down 29 bps YOY, NNPA at 0.39% down 6 bps YOY • PCR healthy at 70%, Coverage 7 ratio at 161% up 2,318 bps YOY Stable Asset Quality • Gross slippage ratio 8 at 1.79% down 134 bps YOY, Net slippage ratio 8 at 1.12% down 121 bps YOY • Net credit cost 8 at 0.63%, down 75 bps YOY • Total Q1FY27 PAT of domestic subsidiaries at ₹546 crores up 21% YOY; Return on investments of ~ 41% in domestic subsidiaries Key subsidiaries delivered healthy • Axis Finance Q1FY27 PAT at ₹244 crores up 29% YOY, Stable asset quality metrics with net NPA at 0.39% performance • Axis AMC’s Q1FY27 PAT at ₹134 crores up 3% YOY, Axis Securities Q1FY27 PAT at ₹96 crores up 8% YOY • Axis Capital Q1FY27 PAT at ₹65 crores up 72% YOY; executed 8 ECM and 3 non-ECM deals in Q1FY27 Q1FY27 Consolidated ROE (annualized) at 14.52%, up 95 bps YOY, with subsidiaries contributing 36 bps 1QAB: Quarterly Average Balance; MEB: Month End Balance; 2Bank’s focus segments include Small Business Banking (SBB), Small & Medium Enterprises (SME), Mid Corporate, Rural, Personal Loans (PL) and Credit Card Advances 3 Market share by volume for Q1Y27; 4 NPCI data for top 50 UPI Remitter Members, last 12 months average as of June’26; 5 Based on RBI data as of May’26; 6 MAU: Monthly Active Users QuarterlyResultsQ1FY27 4 engaging in financial & non-financial transactions; 7 Coverage Ratio = Aggregate provisions (specific + standard + additional + other contingencies) / IRAC GNPA; 8 Annualised Key metrics for Q1FY27 Snapshot (As on 30th June 2026) Deposits Advances Absolute (₹ Cr) 3 18% YOY 19% YOY Q1FY27 Q1FY26 Q4FY26 YOY QOQ 18% YOY4 Net Interest Income 14,646 13,560 14,457 8% 1% & Fee Income 6,156 5,746 6,561 7% (6%) t if os Operating Expenses 9,722 9,303 10,466 5% (7%) 34% rL 38% P Operating Profit 11,659 11,515 10,013 1% 16% 62% Core Operating Profit 11,122 10,095 10,619 10% 5% Profit after Tax 7,114 5,806 7,071 23% 1% 12% Q1FY27 YOY Growth e CASA c nt e Total Assets 19,21,966 20% 11% YOY 3 Retail SME Corporate a lah S Net Advances 12,61,557 19% 13% YOY4 8% YOY 25% YOY 38% YOY Total Deposits 13,72,936 18% Shareholders’ Funds 2,11,693 15% Core Operating Profit (in ₹ crores) Profit After Tax (in ₹ crores) Q1FY27 Q1FY26 Diluted EPS1 (in `) 91.24 74.75 Book Value per share (in `) 681 596 10% YOY 23% YOY s Standalone ROA1 1.51% 1.47% it Standalone ROE1 14.16% 13.14% Cons ROA1 1.56% 1.51% K Cons ROE1 14.52% 13.57% 11,122 10,095 7,114 Gross NPA Ratio 1.28% 1.57% 5,806 Net NPA Ratio 0.39% 0.45% Basel III Tier I CAR2 15.35% 15.10% Basel III Total CAR2 16.67% 16.85% Q1FY26 Q1FY27 Q1FY26 Q1FY27 QuarterlyResultsQ1FY27 5 1 Annualized 2 including profit after tax for the periods 3 Month end balances 4 Quarterly average balance Executive Summary Executive Summary Financial Highlights Financial Highlights Capital and Liquidity Position Business Segment Performance Asset Quality Sustainability Subsidiaries’ Performance Other Important Information QuarterlyResultsQ1FY27 6 Deposit and Loan growth performance All figures in ₹ billion Deposit mix (QAB)1 Segment loan mix YOY QOQ 13,048 YOY QOQ 18% 6% 12,265 12,616 11,974 12,336 19% 2% 11,397 11,048 11,590 11,167 10,597 4,129 4,344 38% 5% 3,751 8,234 21% 7% 3,497 (34%) 7,682 3,159 7,492 7,057 (63%) 6,806 1,516 1,472 25% 3% 1,315 1,393 (12%) 1,209 1,417 1,45 [Showing first 8,000 characters — download PDF for full document]