ICICI Bank has reported a strong performance for the fourth quarter of FY25, with a significant year-on-year (YoY) growth in key financial metrics.
Net Profit and Net Interest Income
The bank’s standalone net profit surged to ₹12,630 crore, marking an 18% increase from the same quarter last year. This growth was driven by a robust 11% rise in net interest income (NII), which reached ₹21,193 crore. The net interest margin (NIM) remained stable at 4.41%, reflecting effective asset-liability management despite a falling interest rate environment.
Loan and Deposit Growth
ICICI Bank’s loan book expanded by 13.9%, primarily due to strong retail demand. Deposits grew by 14%, indicating a healthy balance sheet and sustained customer confidence.
Asset Quality
The bank’s asset quality improved, with the gross non-performing assets (NPA) ratio declining to 1.67% from 1.96% in the previous quarter. This reduction reflects the bank’s effective risk management practices and prudent lending standards.
Dividend Announcement
The board of directors has proposed a dividend of ₹11 per equity share, underscoring the bank’s commitment to delivering value to its shareholders.
Conclusion
ICICI Bank’s Q4 FY25 results demonstrate its resilience and ability to navigate market challenges effectively. The strong performance across key financial metrics positions the bank well for sustained growth in the coming quarters.