ICICI Bank Q4 Result is INSANE!

Highlights of Q4 FY25 performance

ICICI Bank, India’s second-largest private sector bank, reported a standalone net profit of ₹12,629.58 crore for the quarter ended March 31, 2025, representing an 18 per cent growth over the year-ago period. This outperformed Street expectations – analysts had projected a net profit of ₹12,050 crore in a Moneycontrol poll – and represented a sequential growth of 7.1 per cent from the previous quarter.

Dividend recommendation

The bank’s board has proposed a dividend of ₹11 per share (face value ₹2 each), subject to shareholders’ approval at the forthcoming annual general meeting. Upon approval, the dividend will be distributed to shareholders. ⸻

Asset quality and credit cost

“Our corporate portfolio continues to perform well. In the retail segment, secured products are performing quite well, and in the unsecured segment, NPA formation has stabilised to a large extent. We plan to adopt a wait and watch approach over the next few quarters,” the management mentioned in its earnings call, also adding that overall credit cost remained below 30 basis points.

• Gross NPA ratio: Declined to 1.67 per cent as of March 31, 2025, from 1.96 per cent in the third quarter and 2.16 per cent a year ago.

• Net NPA ratio: Declined to 0.39 per cent from 0.42 per cent sequentially and year-on-year.

• Absolute Gross NPA: Decreased to ₹24,166.18 crore from ₹27,745.33 crore in December 2024 and ₹27,961.68 crore in March 2024. • Provisions (pre-tax): Increased to ₹891 crore in Q4FY25 from ₹718 crore in Q4FY24 and ₹1,227 crore in Q3FY25. • Provision Coverage Ratio: Stands at 76.2 per cent as on March 31,2025. ⸻

Deposits and Network Expansion
• Total Deposits: Increased 14 per cent year-on-year and 5.9 per cent quarter-on-quarter to ₹16.11 lakh crore as on March 31, 2025.
• Average deposits: grew 11.4 per cent y-o-y and 1.9 per cent sequentially to ₹14.87 lakh crore.

• Current account deposits: grew 9.6 per cent y-o-y and 1.4 per cent sequentially.

• Savings account deposits: grew 10.1 per cent y-o-y and 0.2 per cent sequentially.

• Branch network: 241 branches were added during the quarter, taking the total number of branches to 6,983 and 16,285 ATMs and cash-recycling machines across the country.

⸻

Advances and portfolio mix

• Total advances: grew 13.3 per cent y-o-y and 2.1 per cent sequentially to ₹13.42 lakh crore.

• Segment-wise growth:

• Retail Loans: grew 8.9 per cent y-o-y and 2.0 per cent sequentially (52.4 per cent of total loans; 43.8 per cent including non-fund).

• Business Banking: grew 33.7 per cent y-o-y and 6.2 per cent q-o-q.

• Rural Portfolio: grew 5.1 per cent y-o-y but declined 1.5 per cent q-o-q.

• Corporate Loans: grew 11.9 per cent y-o-y, marginally declined 0.4 per cent q-o-q.

⸻

Interest Income and Margins

• Net Interest Income (NII): grew 11.0 per cent y-o-y to ₹21,193 crore (from ₹19,093 crore in Q4 FY24).

• Net interest margin (NIM): increased to 4.41 per cent from 4.25 per cent in Q3 FY25 and 4.40 per cent in Q4 FY24. For the full FY25, the NIM averaged 4.32 per cent.

1. Is ICICI Bank Setting a New Benchmark in Q4 FY25?
2. What Drove ICICI Bank’s 18% Profit Surge This Quarter?
3. Can ICICI Bank Maintain This Momentum in FY26?
4. Is ICICI Bank Now the Strongest Private Lender?
5. Will ICICI Bank’s Dividend Boost Investor Confidence?

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