The second-biggest private sector lender in India, ICICI Bank, announced a ₹12,630 crore fourth-quarter FY25 standalone net profit increase of 18% year over year (YoY). The quarter’s net interest income (NII) increased 11% year over year to ₹21,193 crore.
Profit after tax increased 15.5% year over year to Rs 47,227 crore for the entire fiscal year 2024–2025. According to ICICI Bank, subject to the required clearances, the board has suggested paying out a dividend of Rs 11 per share, which has a face value of Rs 2. After approval at the company’s annual general meeting, the dividend will be paid out.
Deposits grew well; as of March 31, 2025, total period-end deposits had increased 14% year over year to Rs 16.10 lakh crore. In Q4FY25, average deposits rose 11.4% to Rs 14.86 lakh crore. For the quarter, the average CASA (current and savings account) ratio was 38.4%.
The domestic loan portfolio grew 13.9% year over year to reach Rs 13.11 lakh crore. As of March-end, the retail loan book made up 52.4% of the entire loan portfolio. It increased 2% sequentially and 8.9% year over year.
With the gross non-performing asset (NPA) ratio falling to 1.67 percent in the March 2025 quarter from 1.96 percent in the December 2024 quarter and 2.16 percent a year earlier, ICICI Bank’s asset quality improved.
Additionally, the net non-performing asset ratio decreased to 0.39 percent from 0.42 percent in the previous quarter and the same time last year.
Gross non-performing assets (NPAs) fell from Rs 27,745.33 crore at the end of December 2024 and Rs 27,961.68 crore a year earlier to Rs 24,166.18 crore as of March 31, 2025, in absolute terms.
The shares of ICICI Bank increased by 3.73% on Thursday before ending at Rs 1,407 on the NSE.
