A world of possibilities

Corporate identity

Growing with Trust

As change permeates every layer of our existence, we are ready to embrace new possibilities, redefining the journey for all who walk with us. Our diversified and integrated banking model combines financial strength, trust and innovation to pave the way for sustainable growth.


To be the preferred financial solutions provider excelling in customer delivery through insight, empowered employees, and smart use of technology

Core Values


Customer Centricity




Integrated Business Lines

Retail Banking

We offer omnichannel banking services to our urban, semi-urban and rural consumers with an expansive range of products and services in loans, payments, savings, insurance and investments.


y-o-y growth in CASA


y-o-y growth in Retail Loan book


y-o-y growth in Burgundy AUM

Integrated Business Lines

Commercial and Wholesale Banking

We service leading corporates and MSMEs with a range of products and services including loans, deposits, trade finance, foreign exchange, and derivatives.


y-o-y growth in Corporate Advances


y-o-y growth in Commercial Banking Group advances


y-o-y growth in Mid-Corporate book

Integrated Business Lines

One Axis

Our ‘One Axis’ ethos is focused on providing comprehensive lending, deposit, and fee-based products to our consumers, offered in conjunction with our subsidiaries.

`2,548 crores

Total Investments in Subsidiaries

`4,768 crores

Combined Net Worth of Domestic Subsidiaries

`1,195 crores

Combined Net Profit of Domestic Subsidiaries

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Highlights of the year

Steady Performance

Resilient Balance Sheet


Capital Adequacy Ratio


Capital Adequacy Ratio – Tier I


Standard Asset Coverage Ratio (SACR)

`12,428 crores

Cumulative Provisions (standard + additional non-NPA)


Provision Coverage Ratio


Net NPA as a % to Net Customer Assets

Steady Profitability

22% y-o-y

`13,001 crores

Fee Income

13% y-o-y

`33,132 crores

Net Interest Income (NII)

98% y-o-y

`13,025 crores

Profit After Tax (PAT)

Strong Business Growth

19% y-o-y

`1,175,178 crores

Total Assets

18% y-o-y

`821,721 crores


15% y-o-y

`707,696 crores


Engaging our Workforce




Employees Part of GIG-A-Anywhere programme


Training hours per employee

Care for the Community

1.03 million

Households covered under Axis Bank Foundation’s Mission 2 Million

1.37 million

Rural women participants in financial literacy and health awareness programmes

0.11 million

Participants impacted under ABF’s Sustainable Livelihoods programme

Building our Brand Equity

Asian Bank of the Year 2021

By IFR Asia


campaign wins Gold at Spikes Asia 2022

Above are standalone figures as on/for year ended 31 March, 2022 unless otherwise mentioned

Director’s statement

Message from MD & CEO

The collective efforts of our employees and partners have set Axis Bank on a journey of distinctiveness to become an open, customer centric and future ready Bank that will offer its customers ‘a world of new possibilities’.

Amitabh ChaudhryManaging Director & CEO

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Message from Management Wholesale Banking

Today we are amongst the best and most comprehensive Wholesale Banking franchise for our customers. Our ability to deliver ‘One Axis’ by bringing in the strengths of the subsidiaries and all business segments of the Bank, has been a key area of distinctiveness for the Bank."

Rajiv AnandDeputy Managing Director

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Message from Management RetailBanking

With customer centricity and distinctive customer experience at the core of our Dil Se Open philosophy, our Retail franchise offered a world of possibilities to our consumers while growing faster than the industry, despite the challenging macro environment.

Ravi Narayanan (Group Executive - Retail Liabilities and Branch Banking)

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Message from Management RetailBanking

While we pivoted the growth in Retail book towards our identified focused segments like small business banking and rural, we also gradually accelerated growth across personal loans and credit cards with the economic impact of Covid waning towards the latter half of the year.

Sumit Bali(Group Executive - Retail Lending and Payments)

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Message from Management Operations &

We have already seen the results of the transformation efforts that have been underway in the Bank in the past couple of years. A strong balance sheet, normalised credit cost and a revamped operating model that we have in place sets us up well for the coming years.

Subrat Mohanty(Group Executive - Banking Operations and Transformation)

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Performance for the Year


With a team that embodies consumer obsession and breakthrough technologies at the fore, we take pride in meeting everyday personal banking needs with care and precision.

Performance Highlights
28 million

Savings Account (SA) consumers

`2.6 trillion

AUM in Wealth Management

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We enrich the ecosystems of several corporates who trust our abilities to deliver sound and secure one-stop solutions through One Axis.

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Targeted Strategies
Delivering Performance

With a keen ear to the ground and our eyes on the horizon, we keep adapting to bring the best to our consumers. Guided by the three vectors of Growth, Profitability and Sustainability (GPS), we are deepening our performance driven culture, strengthening our core and building for the future.

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segment performance

with ‘One Axis’ Ecosystem

Through our subsidiaries, we bring to the table a plethora of services for our consumers under the 'One Axis' umbrella.

Axis Capital Ltd.

Axis Capital is one of India's leading financial experts providing customised solutions in the area of investment banking and institutional equities.


Rank in Equity Capital Market (ECM)


y-o-y growth in PAT to `200 crores

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Axis Finance Ltd.

Through Axis Finance, we provide wholesale and retail lending solutions to corporate and retail consumers respectively, across geographies and businesses.


y-o-y growth in Retail loan book


y-o-y growth in PAT to ` 364 crores

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Axis Asset Management Company Ltd.

Axis Asset Management Company (AMC) provides risk managed investment solutions to both retail and institutional investors.


Incremental Average AUM market share y-o-y led by fund performance


y-o-y growth in PAT to ` 357 crores

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Axis Securities Ltd.

Axis Securities is an end-to-end broker, focused on building an advisory model to acquire consumers. We have deployed continuous enhancements in the technology front to deliver class-leading experiences to our consumers.


of clients traded through Axis Direct Mobile App


y-o-y growth in PAT to `232 crores

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Axis Trustee Services Ltd.

Axis Trustee Services is registered with the SEBI and has been successfully executing various trusteeship activities including debenture trustee, security trustee, security agent, lenders’ agent, trustee for securitisation and escrow agent, among others.

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A.Treds Ltd.

Invoicemart is a digital invoice discounting, Trade Receivables Discounting System (TReDS) platform, that empowers MSMEs by making working capital easily accessible, while also tackling delayed payments.

~`27,000 crores


~10 lakh

Invoices discounted

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Freecharge Payment Technologies Private Ltd.

Freecharge has launched multiple new age products targeted towards digitally native consumers and merchants..

`7,863 crores

Gross Merchandising Value (GMV)

3 million+

Monthly Unique Active Customers

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ESG Approach

Unlocking the
Possibilities of a BetterTomorrow

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As a responsible financial institution, we catalyse India’s progress on the path towards equitable and sustainable economic growth. Our ESG strategy is woven around realising our purpose of creating a more ‘inclusive and equitable economy, thriving community and a healthier planet.’

ESG Governance



Driving Positive Change in Our Communities

As an institution actively working with diverse socio-economic communities across rural and urban India, we are equipped to play a leading role in helping society progress and become resilient. Promoting social equity and opportunities that enable the marginalised to grow and thrive has been a key part of our organisational approach to Corporate Social Responsibility.

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Aspiringto Become India’s Most Valuable Bank

We are committed to achieving and adhering to the highest standards of corporate governance and uphold global best practices across our operations.

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Management Discussion and Analysis






Full Report