3 months ago
2
Axis Bank Ltd, India’s 3rd largest backstage assemblage slope for the 3rd 4th ended December 31, 2025 reported 3% Year connected Year (YOY) maturation successful nett net to ₹6,490 crore.
The bank’s Net Interest Income (NII) for the 4th stood astatine ₹14,287 crore up 5% YOY. Net Interest Margin (NIM) stood astatine 3.64%.
As connected December 31, 2025, the bank’s reported Gross NPA and Net NPA levels were 1.40% and 0.42% respectively, arsenic against 1.46% and 0.44% arsenic connected 30th September 2025.
Recoveries from written disconnected accounts for the 4th were ₹799 crore. Reported nett slippages successful the 4th adjusted for recoveries from written disconnected excavation was ₹2,335 crore, of which retail was ₹2,506 crore.
Gross slippages during the 4th were ₹6,007 crore, compared to ₹5,432 crore a twelvemonth ago.
Recoveries and upgrades from NPAs during the 4th were ₹2,872 crore. The slope successful the 4th wrote off NPAs aggregating ₹3,275 crore, it said successful a filing.
As connected December 31, 2025, the bank’s proviso coverage, arsenic a proportionality of Gross NPAs stood astatine 70%, arsenic compared to 70% arsenic astatine September 30, 2025 and 76% arsenic astatine 31st December 2024.
The money based outstanding of modular restructured loans implemented nether solution model for COVID-19 related accent (COVID 1.0 and COVID 2.0) declined during the 4th and arsenic astatine December 31, 2025 stood astatine ₹1,030 crore that translates to 0.08% of the gross lawsuit assets.
The slope carries a proviso of 17% connected restructured loans, which is in excess of regulatory limits, it said.
The bank’s equilibrium expanse grew 15% YOY and stood astatine ₹17,52,171 crore arsenic connected December 31, 2025. The full deposits grew 15% YOY connected period extremity basis.
The advances grew 14% YOY to ₹11,59,052 crore arsenic connected 31st December 2025. Retail loans grew 6% YOY to ₹6,44,575 crore and accounted for 56% of the nett advances.
Provision and contingencies for the 4th stood astatine ₹2,246 crore.
The slope holds cumulative provisions (standard + further different than NPA) of ₹13,111 crore astatine the extremity of the quarter.
Amitabh Chaudhry, MD & CEO, Axis Bank said, “Our advancement this 4th reflects our absorption connected creating solutions that substance - simplifying entree to credit, reimagining integer banking, and investing successful endowment and ideas that volition signifier the future.”
“We volition support strengthening our competitory borderline by modernising our platforms, empowering our teams, and staying up of shifts successful lawsuit behaviour done astute and revolutionary solutions,” helium added.
