ICICI Bank is making headlines as its shares come into the limelight after a remarkable Q4 performance, with the private sector behemoth reporting an 18% year-over-year rise in net profit at ₹12,630 crore for the quarter ended March 2025. The impressive growth, beating expectations, was driven by healthy loan growth, better asset quality, and wholesome net interest income (NII), which increased 11% YoY to ₹21,193 crore.
Key Highlights:
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The net interest margin (NIM) of the bank increased to 4.41% in Q4, from 4.25% in the last quarter, which shows effective lending and deposit management.
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Domestic loan growth was 13.9% YoY, and the retail segment accounted for more than half of the loan book.
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Asset quality improved significantly: gross NPA ratio reduced to 1.67% and net NPA to 0.39%, which shows that risk controls have tightened.
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Deposits increased by 14% YoY to ₹16.10 lakh crore, while the CASA ratio remained at 38.4%.
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The board of directors announced a dividend of ₹11 per share, rewarding shareholders during this healthy performance.
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Brokerage firms have revised higher their targets on ICICI Bank, citing its strength and profitability even in a competitive and volatile market.
With a capital adequacy ratio of 16.55% and expansion plans for its branch network, ICICI Bank is poised for further growth, leaving investors and analysts optimistic about its future.
Sources: Economic Times, Business Standard, Moneycontrol