Income Statement Axis Bank Limited

Equities

AXISBANK

INE238A01034

Banks

Delayed Bombay S.E. Other stock markets 12:28:43 2026-03-12 am EDT			5-day change	1st Jan Change
1,244.30 ^INR	-1.17%		-8.02%	-2.08%

Mar. 06	Axis Bank says Axis entities provided in-principle no objection to merger of Max Financial, AMLI	RE
Mar. 05	Two Indian state banks plan infra bond sales after robust demand for Bank of Baroda issue	RE

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Published financial data: AXIS BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	647B	688B	874B	1,128B	1,274B
Interest Income, Total	647B	688B	874B	1,128B	1,274B
Interest On Deposits	349B	349B	434B	614B	710B
Interest Expense, Total	349B	349B	434B	614B	710B
Net Interest Income	298B	339B	441B	514B	563B
Gain (Loss) on Sale of Assets	-87.67M	-61.1M	-76.9M	-44.2M	-103M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	23.37B	14.23B	-2.37B	18.69B	20.45B
Total Other Non Interest Income	138B	159B	190B	234B	265B
Non Interest Income, Total	162B	173B	187B	252B	285B
Revenues Before Provison For Loan Losses	459B	512B	628B	766B	849B
Provision For Loan Losses	195B	122B	105B	44.45B	76.39B
Total Revenues	264B	390B	523B	722B	772B
Salaries And Other Employee Benefits	67.69B	82.63B	93.79B	117B	132B
Stock-Based Compensation (IS)	-	1.51B	2.86B	5.2B	4.31B
Occupancy Expense	34.24B	38.76B	162B	51.62B	61.87B
Selling General & Admin Expenses, Total	7.45B	9.18B	11.26B	11.85B	12.49B
(Income) Loss on Equity Invest.	-	-425M	-658M	-687M	-791M
Total Other Non Interest Expense	82.37B	116B	142B	187B	189B
Non Interest Expense, Total	192B	248B	412B	372B	399B
EBT, Excl. Unusual Items	72.52B	142B	112B	350B	373B
Legal Settlements	-	-	-	-126M	-5.28B
Other Unusual Items	-	-	-2.32B	2.79B	-
EBT, Incl. Unusual Items	72.52B	142B	109B	352B	368B
Income Tax Expense	-	-	-	87.54B	86.1B
Earnings From Continuing Operations	72.52B	142B	109B	265B	282B
Net Income to Company	72.52B	142B	109B	265B	282B
Minority Interest	-569M	-876M	-1B	-1.06B	-1.36B
Net Income - (IS)	71.95B	141B	108B	264B	281B
Net Income to Common Incl Extra Items	71.95B	141B	108B	264B	281B
Net Income to Common Excl. Extra Items	71.95B	141B	108B	264B	281B
Per Share Items
Net EPS - Basic	24.19	46.04	35.2	85.62	90.72
Basic EPS - Continuing Operations	24.19	46.04	35.2	85.62	90.72
Basic Weighted Average Shares Outstanding	2.97B	3.07B	3.07B	3.08B	3.09B
Net EPS - Diluted	24.13	45.91	35.04	85.01	90.18
Diluted EPS - Continuing Operations	24.13	45.91	35.04	85.01	90.18
Diluted Weighted Average Shares Outstanding	2.98B	3.08B	3.09B	3.1B	3.11B
Normalized Basic EPS	15.05	28.67	22.35	70.6	75
Normalized Diluted EPS	15.01	28.58	22.25	70.09	74.56
Dividend Per Share	-	1	1	1	1
Payout Ratio	-	-	2.84	1.17	1.1
American Depositary Receipts Ratio (ADR)	5	5	5	5	5
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	24.84	23.4
Total Current Taxes	27.57B	46.02B	67.21B	77.84B	81.61B
Total Deferred Taxes	-2.59B	1.63B	10.47B	9.71B	4.5B
Normalized Net Income	44.76B	87.92B	68.69B	218B	232B
Non-Cash Pension Expense	-269M	108M	-426M	903M	305M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	1.51B	2.86B	5.2B	4.31B
Total Stock-Based Compensation	-	1.51B	2.86B	5.2B	4.31B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	243B	281B	523B	401B	371B
Investment Securities, Total	2,329B	2,578B	2,336B	2,507B	2,411B
Trading Asset Securities, Total	-	-	-	-	205B
Total investments	2,329B	2,578B	2,336B	2,507B	2,616B
Gross Loans	6,351B	7,251B	8,684B	9,993B	10,812B
Net Loans	6,351B	7,251B	8,684B	9,993B	10,812B
Gross Property Plant And Equipment	101B	113B	245B	265B	282B
Accumulated Depreciation	-58.19B	-66.68B	-196B	-206B	-217B
Net Property Plant And Equipment	43.3B	46.79B	48.53B	58.38B	64.92B
Goodwill	2.89B	2.89B	2.89B	2.89B	2.89B
Accrued Interest Receivable	81.67B	85.59B	103B	117B	143B
Restricted Cash	391B	842B	565B	764B	656B
Other Current Assets, Total	9.4B	7.84B	7.49B	1.96B	12.01B
Deferred Tax Assets Long-Term (Collected)	76.16B	74.53B	64.06B	54.35B	46.15B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	575B	785B	1,112B	1,282B	1,845B
Total Assets	10,103B	11,955B	13,444B	15,182B	16,570B
Liabilities
Interest Bearing Deposits	5,948B	6,942B	7,975B	9,107B	10,051B
Non-Interest Bearing Deposits	1,128B	1,267B	1,483B	1,564B	1,658B
Total Deposits	7,076B	8,209B	9,458B	10,671B	11,709B
Short-Term Borrowings	-	-	-	-	199B
Long-Term Debt	1,522B	1,998B	2,062B	2,282B	2,207B
Current Income Taxes Payable	-	-	-	-	10.78B
Accrued Interest Payable	38.98B	46.62B	40.98B	36.58B	38.11B
Other Current Liabilities - (Bank / Utility Template)	70.33B	84.99B	95.44B	67.14B	61.94B
Deferred Tax Liability Non-Current	-	-	-	-	5.3M
Other Non Current Liabilities	358B	432B	486B	550B	465B
Total Liabilities	9,066B	10,770B	12,142B	13,607B	14,691B
Common Stock, Total	6.13B	6.14B	6.15B	6.17B	6.19B
Additional Paid In Capital	513B	515B	519B	525B	534B
Retained Earnings	482B	617B	723B	980B	1,270B
Comprehensive Income and Other	35.12B	43.73B	49.11B	58.48B	62.4B
Total Common Equity	1,036B	1,183B	1,298B	1,570B	1,872B
Minority Interest	1.74B	2.61B	3.93B	4.99B	6.35B
Total Equity	1,038B	1,185B	1,302B	1,575B	1,879B
Total Liabilities And Equity	10,103B	11,955B	13,444B	15,182B	16,570B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.06B	3.07B	3.08B	3.09B	3.1B
ECS Total Common Shares Outstanding	3.06B	3.07B	3.08B	3.09B	3.1B
Book Value / Share	338.13	385.25	421.8	508.73	604.5
Tangible Book Value	1,033B	1,180B	1,295B	1,567B	1,869B
Tangible Book Value Per Share	337.18	384.3	420.86	507.79	603.56
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	1,522B	1,998B	2,062B	2,282B	2,406B
Deposits at Interest - Cash	236B	615B	496B	538B	454B
Debt Equivalent of Unfunded Proj. Benefit Obligation	168M	-40.4M	89.5M	1.02B	547M
Net Debt	811B	1,300B	1,234B	1,666B	1,685B
Equity Method Investments, Total	-	7.98B	8.64B	9.32B	26.24B
Full Time Employees	78.31K	85.82K	91.9K	105K	104K
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	-	1.65B	2.1B	2.1B	2.1B
Assets on Operating Lease - Accumulated Depreciation	-	-173M	-254M	-289M	-324M

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	71.95B	141B	108B	264B	281B
Depreciation, Depletion & Amortization	7B	7.36B	128B	8.45B	10.89B
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	167M	-
Total Depreciation, Depletion & Amortization	7B	7.36B	128B	8.61B	10.89B
Amortization of Deferred Charges, Total	2.8B	3.13B	3.83B	5.27B	6.78B
(Gain) Loss On Sale of Asset - (CF)	87.67M	61.1M	76.9M	44.2M	103M
(Gain) Loss on Sale of Investments - (CF)	19.21B	5.59B	14.85B	4.63B	-489M
Provision for Credit Losses	147B	98.05B	58.04B	69.58B	120B
Stock-Based Compensation (CF)	-	1.51B	2.86B	5.2B	4.31B
Change in Other Net Operating Assets (Collected)	-791B	-1,204B	-1,356B	-1,640B	-1,020B
Other Operating Activities	14.03B	2.77B	10.16B	14.55B	3.83B
Cash from Operations	-528B	-945B	-1,031B	-1,268B	-594B
Capital Expenditure	-9.38B	-14.09B	-13.89B	-23.85B	-24.46B
Sale of Property, Plant, and Equipment	135M	72.5M	117M	90.7M	125M
Cash Acquisitions	-	-	-116B	-3.3B	-
Investment in Marketable and Equity Securities, Total	-533B	-258B	-197B	-63.82B	-488B
Cash from Investing	-542B	-272B	-327B	-90.88B	-512B
Long-Term Debt Issued, Total	-	499B	64.35B	220B	-
Total Debt Issued	-	499B	64.35B	220B	-
Long-Term Debt Repaid, Total	-29.31B	-23.77B	-	-	-75.13B
Total Debt Repaid	-29.31B	-23.77B	-	-	-75.13B
Issuance of Common Stock	102B	2.77B	3.8B	5.57B	6.86B
Common Dividends Paid	-	-	-3.07B	-3.08B	-3.09B
Common & Preferred Stock Dividends Paid	-	-	-3.07B	-3.08B	-3.09B
Net Increase (Decrease) in Deposit Accounts - (CF)	655B	1,226B	1,252B	1,213B	1,038B
Other Financing Activities, Total	602M	876M	1.32B	1.06B	1.36B
Cash from Financing	727B	1,705B	1,318B	1,436B	968B
Foreign Exchange Rate Adjustments	-928M	1.2B	3.43B	868M	373M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-344B	489B	-36.36B	77.85B	-138B
Supplemental Items
Cash Interest Paid	3.26B	1.74B	1.65B	4B	11.4M
Cash Income Tax Paid (Refund)	20.27B	44.46B	66.87B	72.31B	81.48B
Net Debt Issued / Repaid	-29.31B	475B	64.35B	220B	-75.13B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.75	1.29	0.86	1.85	1.78
Return On Equity %	7.63	12.78	8.78	18.42	16.32
Return on Common Equity	7.58	12.73	8.72	18.4	16.3
Shareholders Value Added	-42.01B	8.08B	-40.64B	91.95B	74B
Margin Analysis
SG&A Margin	45.18	36.8	53.82	27.21	29.08
Net Interest Income / Total Revenues %	112.65	87.01	84.22	71.19	72.94
EBT Excl. Non-Recurring Items Margin %	27.44	36.44	21.32	48.48	48.33
Income From Continuing Operations Margin %	27.44	36.44	20.87	36.72	36.5
Net Income Margin %	27.23	36.21	20.68	36.57	36.32
Net Avail. For Common Margin %	27.23	36.21	20.68	36.57	36.32
Normalized Net Income Margin	16.94	22.55	13.13	30.15	30.03
Asset quality
Nonperforming Loans / Total Loans %	3.57	2.56	1.96	1.44	1.29
Nonperforming Loans / Total Assets %	2.24	1.55	1.27	0.94	0.84
Nonperforming Assets / Total Assets %	2.51	1.83	1.38	1	0.84
NPAs / Loans and OREO	3.99	3.01	2.14	1.51	1.29
NPAs / Equity	24.4	18.41	14.29	9.6	7.43
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	177.49	170.01	280.65	72.73	80.68
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.8	10.1	9.76	10.02	10.84
Total Average Equity / Total Average Assets %	9.81	10.12	9.79	10.05	10.88
Total Equity + Allowance for Loan Losses / Total Loans %	16.31	16.31	14.95	15.71	17.32
Gross Loans / Total Deposits %	89.75	88.33	91.81	93.65	92.34
Net Loans / Total Deposits %	89.75	88.33	91.81	93.65	92.34
Tier 1 Capital Ratio %	16.47	16.34	14.57	14.2	15.07
Total Capital Ratio %	19.12	18.54	17.64	16.63	17.07
Core Tier 1 Capital Ratio	15.4	15.24	14.02	13.74	14.67
Tier 2 Capital Ratio	2.65	2.2	3.07	2.43	2
Interbank Ratio	2.67	1.85	2.01	5.36	4.96
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.21	1.41	1.25	1.57	1.52
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.75	13.95	29.88	16.59	9.67
Non Interest Income, 1 Yr. Growth %	-1.17	27.19	8.33	37.5	13.13
Provision For Loan Losses, 1 Yr. Growth %	-11.86	-27.88	-14.33	37.29	83.38
Total Revenues, 1 Yr. Growth %	32.5	47.53	34.17	21.94	6.64
Earnings From Cont. Operations, 1 Yr. Growth %	286.02	95.89	-23.15	142.64	6.41
Net Income, 1 Yr. Growth %	288.29	96.22	-23.38	143.9	6.32
Normalized Net Income, 1 Yr. Growth %	289.69	96.43	-21.87	91.2	5.76
Diluted EPS Before Extra, 1 Yr. Growth %	254.85	90.26	-23.68	142.61	6.08
Dividend Per Share, 1 Yr. Growth %	-	-	0	0	0
Gross Loans, 1 Yr. Growth %	8.94	15.88	19.72	15.08	8.2
Net Loans, 1 Yr. Growth %	8.94	15.88	19.72	15.08	8.2
Non Performing Loans, 1 Yr. Growth %	-14.74	-18.15	-8.33	-15.71	-2.68
Non Performing Assets, 1 Yr. Growth %	-16.27	-13.8	-14.75	-18.69	-7.71
Total Assets, 1 Yr. Growth %	8.89	19.43	12.43	12.93	9.14
Total Deposits, 1 Yr Growth %	10.19	17.56	15.18	12.82	9.73
Tangible Book Value, 1 Yr. Growth %	20.05	14.2	9.77	21.04	19.28
Average Interest Earning Assets, 1 Yr. Growth %	15.29	17	11.97	14.61	11.33
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	19.98	14.16	9.74	20.99	19.24
Total Equity, 1 Yr. Growth %	20.03	14.22	9.83	21.01	19.27
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	15.91	14.85	21.65	23.05	13.08
Non Interest Income, 2 Yr. CAGR %	6.69	2.79	17.38	20.88	24.72
Provision For Loan Losses, 2 Yr. CAGR %	15.62	-25.72	-21.4	-39.65	53.6
Total Revenues, 2 Yr. CAGR %	10.19	39.82	40.69	36.04	14.25
Earnings From Cont. Operations, 2 Yr. CAGR %	19.87	174.99	22.7	36.56	60.68
Net Income, 2 Yr. CAGR %	19.5	176.03	22.62	36.7	61.04
Normalized Net Income, 2 Yr. CAGR %	19.28	176.67	23.88	57.31	42.77
Diluted EPS Before Extra, 2 Yr. CAGR %	11.27	159.84	20.5	36.08	60.43
Dividend Per Share, 2 Yr. CAGR %	-	-	-	0	0
Gross Loans, 2 Yr. CAGR %	11.96	11.53	17.8	17.37	11.58
Net Loans, 2 Yr. CAGR %	11.96	11.53	17.8	17.37	11.58
Non Performing Loans, 2 Yr. CAGR %	-8.59	-16.46	-13.38	-12.1	-9.43
Non Performing Assets, 2 Yr. CAGR %	-7.82	-15.04	-14.27	-16.74	-13.37
Total Assets, 2 Yr. CAGR %	11.41	13.51	15.89	12.68	11.02
Total Deposits, 2 Yr CAGR %	13.35	13.06	16.38	14	11.26
Tangible Book Value, 2 Yr. CAGR %	23.7	17.09	11.96	15.26	20.15
Average Interest Earning Assets, 2 Yr. CAGR %	14.39	15.31	14.46	13.28	12.96
Common Equity, 2 Yr. CAGR %	23.61	17.03	11.93	15.23	20.11
Total Equity, 2 Yr. CAGR %	23.63	17.09	12	15.28	20.13
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	16.13	15.25	19.65	19.94	18.42
Non Interest Income, 3 Yr. CAGR %	10.84	6.77	4.61	22.94	18.24
Provision For Loan Losses, 3 Yr. CAGR %	7.9	-5.76	-22.1	-35.95	-14.46
Total Revenues, 3 Yr. CAGR %	19.84	21.44	37.91	39.77	25.59
Earnings From Cont. Operations, 3 Yr. CAGR %	150.02	41.2	79.79	54.01	25.66
Net Income, 3 Yr. CAGR %	150.86	40.98	80.06	54.21	25.72
Normalized Net Income, 3 Yr. CAGR %	134.87	40.86	81.52	69.4	38.18
Diluted EPS Before Extra, 3 Yr. CAGR %	134.97	33.06	72.72	52.16	25.24
Dividend Per Share, 3 Yr. CAGR %	-	0	-	-	0
Gross Loans, 3 Yr. CAGR %	12.18	12.69	14.21	16.89	14.23
Net Loans, 3 Yr. CAGR %	12.18	12.69	14.21	16.89	14.23
Non Performing Loans, 3 Yr. CAGR %	-9.77	-11.9	-13.84	-14.16	-9.06
Non Performing Assets, 3 Yr. CAGR %	-9.58	-9.85	-14.94	-15.77	-13.83
Total Assets, 3 Yr. CAGR %	12.81	13.67	13.16	14.9	11.49
Total Deposits, 3 Yr CAGR %	15.8	14.23	13.78	15.18	12.56
Tangible Book Value, 3 Yr. CAGR %	17.36	20.45	14.59	14.91	16.59
Average Interest Earning Assets, 3 Yr. CAGR %	15.23	14.71	14.19	14.51	12.63
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	-	-
Common Equity, 3 Yr. CAGR %	17.29	20.37	14.55	14.87	16.55
Total Equity, 3 Yr. CAGR %	17.31	20.41	14.62	14.93	16.6
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	11.77	13.03	18.31	18.31	16.98
Non Interest Income, 5 Yr. CAGR %	10.16	6.81	9.54	12.2	11.8
Provision For Loan Losses, 5 Yr. CAGR %	39.28	0.12	-7.6	-21.15	-19.15
Total Revenues, 5 Yr. CAGR %	2.55	15.86	27.78	27.08	31.1
Earnings From Cont. Operations, 5 Yr. CAGR %	-2.8	29.06	88.07	39.32	71.89
Net Income, 5 Yr. CAGR %	-2.93	29	88.4	39.26	72.2
Normalized Net Income, 5 Yr. CAGR %	-10.79	18.85	81.84	47.22	82.41
Diluted EPS Before Extra, 5 Yr. CAGR %	-7.13	22.74	79.89	34.26	67.7
Dividend Per Share, 5 Yr. CAGR %	-	-27.52	-	0	-
Gross Loans, 5 Yr. CAGR %	13	13.73	14.06	14.55	13.15
Net Loans, 5 Yr. CAGR %	13	13.73	14.06	14.55	13.15
Non Performing Loans, 5 Yr. CAGR %	31.14	-1.52	-11.23	-11.98	-12.1
Non Performing Assets, 5 Yr. CAGR %	32.98	0.5	-11.49	-12.68	-14.32
Total Assets, 5 Yr. CAGR %	13.08	14.35	13.82	13.28	12.3
Total Deposits, 5 Yr CAGR %	14.58	14.62	15.73	14.14	12.77
Tangible Book Value, 5 Yr. CAGR %	14.04	15.91	15.17	18.35	16.79
Average Interest Earning Assets, 5 Yr. CAGR %	13.9	12.96	14.59	14.14	13.69
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	-	-	-	-
Common Equity, 5 Yr. CAGR %	14.1	15.97	15.11	18.29	16.74
Total Equity, 5 Yr. CAGR %	14.13	16	15.16	18.33	16.79