Axis Bank Reports Stable Financial Results with Record High Net Interest Income and Improved NPA Ratio in March 2025

Axis Bank has recently reported its financial results for the quarter ending March 2025, revealing a stable performance in various key metrics. The bank's score has seen an adjustment in evaluation, moving from 4 to 5 over the past three months, indicating a shift in assessment.
The financial results highlight several positive trends for Axis Bank. The Net Interest Income reached a record high of Rs 13,810.54 crore, showing consistent growth over the last five quarters. Similarly, the Interest Earned also peaked at Rs 31,242.51 crore, reflecting a favorable near-term sales trend. Additionally, the Gross Non-Performing Assets (NPA) ratio improved to 1.28%, marking the lowest level in five quarters, which suggests a reduction in stressed loans. The Profit Before Tax (PBT) also reached its highest point at Rs 2,613.50 crore, indicating a positive near-term trend. Furthermore, the Capital Adequacy Ratio (CAR) improved to 17.07%, showcasing a strengthening capital base relative to risk assets.

However, the results also indicate areas of concern. The Non-Operating Income constituted 72.18% of the PBT, with a record high of Rs 6,779.52 crore, raising questions about the sustainability of income derived from non-business activities.

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