Axis Bank

Axis Bank reported Q4 FY26 PAT of ₹7,711 croreCurrent reported value: ₹7,711 crore. No comparable prior figure is available in the source record., flat YoY, impacted by a one-time standard asset provision of ₹2,001 crore and a tax benefit of ₹2,193 crore. NII grew 5% YoY to ₹14,457 crore, while NIM contracted 29bps YoY to 3.62%. Loan growth was robust at 19% YoYCurrent 19% YoY. Reported change: +19% YoY., driven by wholesale (38% YoY) and retail disbursements (+24%Current 24%. Reported change: +24% YoY. YoY). Asset quality improved with GNPA at 1.23%Current reported value: 1.23%. No comparable prior figure is available in the source record. (down 17bps QoQ) and net credit cost at 37bpsCurrent 37bps. Reported change: +48bps QoQ. (down 39bps QoQ). Management reiterated a through-cycle NIM target of 3.8% within 15-18 months of the last rate cut. The bank created a ₹2,001 crore buffer provision against West Asia risks. Key risk: prolonged geopolitical tensions could stress asset quality and credit costs.