AXISBANK

Business & Operations

Business & Reach Balance Sheet Size: Over ₹16 lakh crore (as of FY25). Market Presence: Around 5% market share in deposits, advances, and total assets. Branches & ATMs: More than 4,000 branches and 11,000+ ATMs across India. Customer Base: Over 59 million customers. Employees: More than 1 lakh staff. International Footprint: Offices in Singapore, Dubai, Hong Kong, and other global financial hubs. Services & Segments Retail Banking – Savings accounts, loans, cards, NRI services, digital banking. Corporate Banking – SME loans, working capital, trade finance, treasury. Investment Banking – Through Axis Capital; equity, debt, M&A advisory, broking. Subsidiaries – Axis Mutual Fund, Axis Finance, Axis Securities, Freecharge. Recent Performance Net profit in Q1 FY26 stood at about ₹5,800 crore, slightly lower YoY due to higher provisions. Net Interest Margin moderated to around 3.8%. Gross NPAs rose slightly to ~1.6%, though overall asset quality remains under control. Advances and deposits grew steadily, showing strong business momentum. Leadership MD & CEO: Amitabh Chaudhry (since 2019). Focus on digital banking, customer experience, and premium retail growth. Strengths Large distribution network and strong brand recall. Balanced portfolio across retail, corporate, and investment banking. Growing digital ecosystem and fintech partnerships. Acquisition of Citibank’s India consumer business to strengthen premium segment. Challenges Rising non-performing assets in certain loan segments. Margin pressures due to competition and funding costs. High competition from both private peers and fintech players.