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Axis Bank (AXISBANK) investor relations material
Axis Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary15 Oct, 2025
Executive summary
Achieved strong growth in advances and deposits, with deposits up 11% YoY and advances up 12% YoY, gaining market share and supported by a resilient balance sheet and robust capital position.
Credit card business surpassed 15 million cards; UPI market share exceeded 35% in value and volume, maintaining leadership in digital banking and payments.
Focused on deposit growth, credit growth, asset quality, and cost control, with improvements in retail unsecured asset quality and positive operating jaws.
Continued digital innovation, product launches, and industry-first solutions, including LockFD and gold-backed credit line on UPI.
Recognized for leadership in private banking, digital innovation, and social responsibility, with multiple industry awards.
Financial highlights
Net interest income (NII) for H1 FY26 was INR 27,304 crore, up 1% YoY; Q2 NII at INR 13,745 crore, up 2% YoY and 1% QoQ; Net Interest Margin at 3.73%.
Fee income for H1 FY26 grew 10% YoY to INR 11,783 crore; Q2 fee at INR 6,037 crore, up 10% YoY and 5% QoQ.
PAT for Q2 FY26 was INR 5,090 crore; gross NPA at 1.46%, net NPA at 0.44%, both declining QoQ.
Core operating profit for H1FY26 reached ₹20,010 crore, up 4% YoY, with cost-to-assets at 2.38%.
Standalone capital adequacy ratio (Basel III) at 16.55% as of September 30, 2025.
Outlook and guidance
Advances expected to grow 300 bps faster than industry over the medium term (3-5 years, base FY26).
Margins expected to bottom out in Q3 FY26, assuming no further rate cuts.
Continued focus on deposit franchise, premiumization, and digital transformation to drive growth.
Focus on further granularization of deposits and growth in SBB, SME, and MC segments.
Explain the 1,231 Cr crop loan provision?
Digital Banking segment's Q2FY26 performance?
Rationale for corporate loan transfers?
Crop loan provision impact and reversal
Why Q3 NIM bottoming, unlike peers?
Retail unsecured asset quality trends
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Q3 25/2615 Jan, 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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