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Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Revenue over the Year and quarter: The company experienced a substantial growth of 11.42 % in the past year, substantial increase in revenue by 1.78 %. 🔹 Profit over the Year and quarter: Significant improvement in profitability for AXIS BANK LTD.. Notable increase of 3.98 % in net profit Year to Year, AXIS BANK LTD.’s profitability dropped by -8.83 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS increased by 3.47 % Year to Year. EPS decreased by -8.98 % in previous quarter. Analysis needed for shareholder value. 🔹 Gross NPA % over the Year and quarter: Gross NPA escalated by 1.39 % this quarter. Leading to a -7.59 % reduction over the past year.🔹 Net NPA % over the Year and quarter: Net NPA increased by 2.94 % this quarter. Contributing to an overall annual reduction of -2.78 %.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Revenue | Rs. 28865.2 Cr | Rs. 31601.05 Cr | Rs. 32162.2 Cr | + 1.78 % | + 11.42 % |
Interest | Rs. 15942.63 Cr | Rs. 17614.92 Cr | Rs. 18039.68 Cr | + 2.41 % | + 13.15 % |
Expenses | Rs. 10506.5 Cr | Rs. 12411.56 Cr | Rs. 11912.73 Cr | -4.02 % | + 13.38 % |
Financing Profit | Rs. 2416.07 Cr | Rs. 1574.57 Cr | Rs. 2209.79 Cr | + 40.34 % | -8.54 % |
Financing Margin % | 8.37 % | 4.98 % | 6.87 % | + 1.89 % | -1.5 % |
Other Income | Rs. 6271.63 Cr | Rs. 7602.72 Cr | Rs. 6796.97 Cr | -10.6 % | + 8.38 % |
Depreciation | Rs. 0 Cr | Rs. 0 Cr | Rs. 0 Cr | 0 % | 0 % |
Profit before tax | Rs. 8687.7 Cr | Rs. 9177.29 Cr | Rs. 9006.76 Cr | -1.86 % | + 3.67 % |
Tax % | 25.26 % | 19.27 % | 24.91 % | + 5.64 % | -0.35 % |
Net Profit | Rs. 6519.5 Cr | Rs. 7435.66 Cr | Rs. 6778.91 Cr | -8.83 % | + 3.98 % |
EPS in Rs | Rs. 20.93 | Rs. 23.78 | Rs. 21.65 | -8.96 % | + 3.44 % |
Gross NPA % | 1.58 % | 1.44 % | 1.46 % | + 0.02 % | -0.12 % |
Net NPA % | 0.36 % | 0.34 % | 0.35 % | + 0.01 % | -0.01 % |
Today, we’re looking at AXIS BANK LTD.’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year revenue growth of 11.42 %. However, it did see a marginal increase of 1.78 % from the previous quarter. Interest expenses surged remarkably by 2.41 % from the previous quarter, yet the year-over-year increase remains at a moderate 13.15 %. Expenses decreased slightly by -4.02 % quarter-on-quarter, aligning with the annual rise of 13.38 %.
Financing profit, while down -8.54 % compared to last year, faced a quarter-on-quarter increase of 40.34 %, signaling a short-term expansion in margins. The Financing Margin % contradicts this narrative, showing weakness on an annual basis with a decrease of -1.5 %, but an expansion of 1.89 % sequentially. Other income fell by -10.6 % compared to the last quarter, despite an annual growth of 8.38 %. Profit before tax grew annually by 3.67 % but saw a reduction from the preceding quarter by -1.86 %. Tax expenses as a percentage of profits decreased slightly by -0.35 % compared to last year, With a more notable quarter-on-quarter increase of 5.64 %.
Net profit rose by 3.98 % year-on-year, but witnessed a -8.83 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 3.44 % but a quarterly fall of -8.96 %. The Gross NPA% illustrates a promising trend with a quarterly rise of 0.02 % and an annual decline of -0.12 %, pointing to weakening recovery efforts and a deteriorating credit environment. In contrast, the Net NPA% showcases improvements, revealing a quarterly increase of 0.01 % and an annual decline of -0.01 %, reflecting persistent vulnerabilities in asset quality and risk management. In summary, AXIS BANK LTD.’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Revenue | Rs. 28865.2 Cr | Rs. 31601.05 Cr | Rs. 32162.2 Cr | + 1.78 % | + 11.42 % |
Interest | Rs. 15942.63 Cr | Rs. 17614.92 Cr | Rs. 18039.68 Cr | + 2.41 % | + 13.15 % |
Expenses | Rs. 10506.5 Cr | Rs. 12411.56 Cr | Rs. 11912.73 Cr | -4.02 % | + 13.38 % |
Financing Profit | Rs. 2416.07 Cr | Rs. 1574.57 Cr | Rs. 2209.79 Cr | + 40.34 % | -8.54 % |
Net Profit | Rs. 6519.5 Cr | Rs. 7435.66 Cr | Rs. 6778.91 Cr | -8.83 % | + 3.98 % |
EPS in Rs | Rs. 20.93 | Rs. 23.78 | Rs. 21.65 | -8.96 % | + 3.44 % |
Gross NPA % | 1.58 % | 1.44 % | 1.46 % | + 0.02 % | -0.12 % |
Net NPA % | 0.36 % | 0.34 % | 0.35 % | + 0.01 % | -0.01 % |
In reviewing AXIS BANK LTD.’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 11.42 % year-on-year growth, however, there was a minor increase of 1.78 % from the previous quarter. Interest expenses climbed by 2.41 % quarterly and sharply by 13.15 % annually, demonstrating effective cost control and improved debt management. Expenses rose by 13.38 % compared to the previous year, with a decrease of -4.02 % quarter-on-quarter. Financing Profit dropped by -8.54 % annually, and saw a 40.34 % increase from the last quarter.
Net Profit showed yearly increase of 3.98 %, and experienced a -8.83 % decrease from the previous quarter. Earnings Per Share (EPS) rose by 3.44 % annually, however dipped by -8.96 % compared to the last quarter. Gross NPA% increased slightly by 0.02 % quarterly and fell by -0.12 % annually, showcasing improvements in asset quality. Net NPA% improved by 0.01 % quarterly and decreased by -0.01 % annually, showcasing effective recovery and risk management strategies. In essence, while AXIS BANK LTD. exhibits strong annual growth indicators, short-term fluctuations suggest the need for agile strategies to navigate market dynamics effectively. That’s all for now in the financial sector.