axis bank q3 results 2025

Axis Bank Q3 Results, Weak Earnings: Axis Bank Share Price Drop by 5%

Axis Bank Q3 results FY25 reported only a slight 4% year-on-year increase in net profit to ₹6,304 crores. On the Axis Bank results date which was January 16, 2025, the Axis Bank share price closed at ₹1,038. On January 17, 2025, Axis Bank share price opened with a fall at ₹1,000. So, let’s get into the details of Axis Bank Q3 results and key performance ratios.

Axis Bank Q3 Results FY25: Key Highlights

  • Axis Bank’s Net Interest Income grew 9% YOY, Net Interest Margin at 3.93%
  • As on December 31, 2024, Axis Bank’s provision coverage (as a proportion of Gross NPAs) stood at 76%. PCR was 77% as at September 30, 2024 and 78% as at December 31, 2023.
  • Fee income grew 6% YOY, Retail fee grew 5% YOY, granular fees at 94% of total fees
  • Axis Bank Q3 results reported a consolidated ROA of 1.71% and a consolidated ROE of 15.8%
  • Net advances grew by 9% YOY and 1% QOQ
  • Retail loans grew by 11% YoY and 11% QoQ
  • SME loans grew by 15% YoY and 13% QOQ basis
  • Corporate loans (gross of IBPC3) grew by 4% YOY
  • Overall CAR stood at 17.01% with a CET 1 ratio of 14.61%, net accretion to CET-1 of 87 bps in 9MFY25, 49 bps in Q3 FY25

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Axis Bank Q3 Results: Standalone Numbers

The summary of Axis Bank Q3 profit signifies moderate growth but there is certainly a fall in the gross and net non-performing assets ratio:

Standalone Metrics Q3 FY25 Q3 FY24 YoY Change
Net Interest Income 13,606 12,532 9%
Net Profit 6,304 6,071 4%
Operating Profit 10,534 9,141 15%
Total Deposits 10,95,883 10,04,900 9%
CASA Deposits 4,32,855 4,23,458 2%
Net Advances 10,14,564 9,32,286 9%
Gross NPA (%) 1.46% 1.58% -0.12%
Net NPA (%) 0.35% 0.36% -0.01%
Return on Assets (%) 1.64% 1.75% -0.01%

*(in ₹ crores)

Axis Bank Q3 Results FY25: Management Commentary

Amitabh Chaudhry, MD & CEO of Axis Bank said, “We closed 2024 on a high, firming up our businesses, our capabilities, our presence across the length and breadth of the country with hundreds of new bank branches. Digital and Rural have been our big drivers, along with Sustainability and Inclusivity. This quarter we also rehashed our brand credo – celebrating our customer first approach through our new campaign Har Raah Dil Se Open. It’s a reminder for us to stand committed to the evolving needs and aspirations of our customers. The Axis team is upbeat and eager to unlock the opportunities of 2025, supporting the ambitions of a resurgent India, as it looks forward to becoming the third largest global economy in the next few years!”

Highlighting the Axis Bank share price performance, it has generated a negative return of around 5% in the last 1 week (as on January 17, 2025). Keep exploring stocks and open demat account with SMC Global Securities. Stay tuned for the upcoming Nifty 50 companies quarterly results.

References:
SMC Global Securities Research

Author: All Content is verified by SMC Global Securities.

WHY SMC

  • 20 Lac+ unique clients
  • 33+ Years of Serving
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