Axis Bank reported a 13% quarter-on-quarter rise in consolidated net profit at ₹7,117 crore for the fourth quarter ended March 31, 2025, aided by healthy growth in deposits and a stable margin profile. The bank’s consolidated return on equity stood at 17.11%, while return on assets came in at 1.88%.
Net interest income (NII) for Q4FY25 rose to ₹13,811 crore, with the net interest margin (NIM) improving to 3.97%, up 4 basis points sequentially. For the full year FY25, NIM stood at 3.98%.
Fee income for the quarter grew 16% sequentially and 12% year-on-year to ₹6,338 crore, led by a 22% QoQ growth in retail fees. Granular fees made up 94% of total fee income. Core operating profit grew 5% QoQ.
Total deposits rose 10% YoY and 7% QoQ to ₹16.09 lakh crore. Term deposits rose 14% both YoY and QoQ. CASA deposits grew 10% QoQ and 10% YoY, with CASA ratio at 41% as of Q4FY25.
Advances rose 8% YoY and 3% QoQ, with retail loans up 7% YoY, SME loans up 14% YoY, and corporate loans also up 8% YoY.
The bank’s standalone ROA for FY25 stood at 1.74% and ROE at 16.52%. Full-year PAT rose 6% to ₹26,373 crore, while operating profit rose 13% to ₹42,105 crore. Operating expenses grew at a moderated pace of 6.5%.
