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Axis Bank
Axis Bank (AXISBANK) investor relations material
Axis Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary26 Jan, 2026
Executive summary
Achieved strong year-over-year growth: deposits up 15%, advances up 14%, and PAT up 3% YoY and 28% QoQ, supported by resilient net interest income and healthy fee income momentum.
Expanded distribution footprint, surpassing 6,000 branches, and maintained robust digital and payments leadership, with a 39% UPI market share and 14% credit card market share.
Maintained a robust balance sheet, strong capital adequacy, and stable asset quality, with GNPA at 1.40% and NNPA at 0.42%.
Unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, were approved and subjected to limited review with unmodified reports by joint statutory auditors.
Focused on building a resilient franchise, optimizing deposit and credit growth, and maintaining asset quality.
Financial highlights
Deposits grew 5% QoQ and 15% YoY; advances up 4% QoQ and 14% YoY.
Net interest income for Q3 FY26 at INR 14,287 crore, up 5% YoY and 4% QoQ; NIM at 3.64%.
PAT at INR 6,490 crore, up 28% QoQ and 3% YoY; consolidated net profit at ₹7,010.65 crore.
Core operating profit at INR 10,815 crore, up 7% YoY; standalone operating profit for Q3FY26 at ₹10,875.70 crore.
Cost to assets at 2.33%, improved 15 bps YoY.
Outlook and guidance
Confident in achieving 3.8% NIM through the cycle, regardless of rate environment.
Expect deposit growth to converge with credit growth in 15-18 months, contingent on sustained liquidity.
Plan to rebalance loan book towards a 58-60% retail, 23-25% wholesale, and balance SME mix.
Focus remains on growing granular deposits, digital banking, and expanding in rural and semi-urban markets.
The bank is monitoring the implementation of new labour codes and has made provisions for potential impacts.
Reason for large corporate loan transfers
Outlook on projects with invoked resolution plans
Impact of New Labour Codes on future costs
Reconcile loan mix shift with 3.8% NIM target
Deposit quality: granularization efforts
Is current staff cost base sustainable
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Next Axis Bank earnings date
Q4 25/2624 Apr, 2026
Axis Bank
Next Axis Bank earnings date
Q4 25/2624 Apr, 2026
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Frequently asked questions
Axis Bank Limited provides corporate and retail banking products and services in India and internationally. The company offers the following: retail banking, corporate/wholesale banking, treasury operations including currency derivatives, investment banking, business and transaction banking, wealth management, broking services, internet banking, mobile banking, and phone banking. The company was founded in 1993 and is headquartered in Mumbai, India
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