ICICI Bank Powers Ahead: Net Profit Surges 15.7% to Rs 13,502 Crore in Q4, Declares Rs 11 Dividend Amid Robust Growth

• ICICI Bank reported a strong financial performance for the quarter ended March 31, 2025, with net profit rising 15.7% year-on-year to Rs 13,502 crore.

• Net interest income (NII), a key earnings driver, increased by 13.6% to Rs 48,387 crore, reflecting healthy growth in lending and improved margins.

• The bank declared a dividend of Rs 11 per share for the fiscal year 2025, signaling confidence in sustained profitability and rewarding shareholders.

• Profit before tax excluding treasury operations rose 13.2% year-on-year to Rs 16,534 crore in Q4, showcasing strong core business performance despite macroeconomic challenges.

• Core operating profit expanded by 13.7% to Rs 17,425 crore during the quarter, underscoring efficient cost management and growth in fee income.

• For the full financial year 2025, ICICI Bank’s profit after tax grew 15.5% to Rs 47,227 crore, reflecting consistent earnings momentum across quarters.

• The bank’s net interest margin (NIM) improved to 4.41% in Q4 from 4.25% in the previous quarter, highlighting better pricing power and asset mix.

• Deposits remained robust, with total period-end deposits growing 14% year-on-year to Rs 16.10 lakh crore, while average deposits rose 11.4% to Rs 14.86 lakh crore in Q4.

• The current and savings account (CASA) ratio stood at a healthy 38.4%, supporting low-cost funding and margin expansion.

• Domestic loan portfolio grew 13.9% year-on-year to nearly Rs 13.11 lakh crore, driven by steady demand across retail and corporate segments.

• Retail loans increased 8.9% year-on-year, now constituting 52.4% of the total loan book, reflecting balanced growth in consumer financing.

• Asset quality improved with gross non-performing assets (NPA) ratio declining to 1.67% from 1.96% a quarter ago, and net NPA ratio reducing to 0.39%, indicating stronger credit discipline.

• Provisioning coverage ratio on non-performing loans stood at a comfortable 76.2%, ensuring adequate buffers against credit risks.

• The bank’s capital adequacy ratio remained strong at 16.55%, supporting growth and regulatory compliance.

• ICICI Bank added 241 new branches in Q4, expanding its network to 6,983 branches and 16,285 ATMs and cash recycling machines, enhancing customer reach.

• Despite a competitive environment and macroeconomic volatility, ICICI Bank prioritized profitability over aggressive growth, which was praised by market analysts.

• The bank’s shares reacted positively, closing near Rs 1,406 on the stock exchanges, with brokerages upgrading target prices on expectations of sustained performance.

• Experts noted that while loan growth was modest compared to some peers, the focus on better-rated borrowers and sound credit models helped maintain asset quality.

• The bank’s strong quarter reflects resilience amid ongoing rate cuts and macro headwinds, with net interest income and margin expansion exceeding market expectations.

• ICICI Bank’s strategic emphasis on digital banking, customer-centric products, and risk management continues to drive its robust financial health.

• The declared dividend of Rs 11 per share is subject to board and regulatory approvals, providing attractive returns to investors.

• Overall, ICICI Bank’s Q4 and full-year results underscore its position as one of India’s leading private sector banks, delivering consistent growth, improving asset quality, and rewarding shareholders generously.