ICICI Bank has announced impressive financial results for the fourth quarter of FY25, showcasing a significant increase in its consolidated net profit. The bank reported a net profit of ₹13,502.22 crore, which marks a rise from ₹11,671.52 crore during the same period last year. This growth reflects ICICI Bank’s strong performance and robust financial health as it navigates the banking landscape.
Standalone Net Profit Soars
For the standalone financial results, ICICI Bank revealed a net profit of ₹12,629.58 crore, demonstrating an 18% year-on-year increase from ₹10,707.53 crore in the previous fiscal year’s corresponding quarter. This positive trajectory underscores the bank’s effective operational strategies and customer acquisition efforts.
Annual Performance Highlights
The overall net profit for the entire financial year 2024-25 reached ₹47,227 crore, representing a 15.5% year-on-year growth, which translates to approximately $5.5 billion. Such robust annual results highlight ICICI Bank’s resilience and adaptability in a competitive market.
Net Interest Income and Margins
In Q4 FY25, the bank’s net interest income (NII) climbed to ₹21,193 crore, reflecting an 11% increase from ₹19,093 crore in Q4 FY24. The net interest margin (NIM) improved slightly, recorded at 4.41%, compared to 4.40% the previous year and 4.25% in Q3 FY25. The annual NIM for FY25 stood at 4.32%, indicating effective asset-liability management.
- Total interest income in Q4 FY25: ₹42,430.80 crore
- Previous year’s figure: ₹37,948.36 crore
Improved Asset Quality
ICICI Bank has made strides in managing its non-performing assets (NPAs), with the net NPA ratio decreasing to 0.39% as of March 31, 2025, down from 0.42% in the prior quarter. Additionally, the provisioning coverage ratio on non-performing loans was reported at 76.2%.
Deposit Growth and CASA Ratio
The bank’s average deposits surged by 11.4% year-on-year, reaching ₹14,86,635 crore (approximately $173.9 billion) in Q4 FY25. The current account and savings account (CASA) ratio stood at 38.4%, reflecting enhanced customer engagement and loyalty.
Dividend Announcement
In a positive move for shareholders, ICICI Bank declared a dividend of ₹11 per equity share. The bank stated, “In accordance with Regulation 30 and SEBI Listing Regulations, the Board has recommended a dividend of ₹11/- per equity share of face value ₹2/- each, pending necessary approvals. This dividend will be disbursed following approval at the upcoming Annual General Meeting (AGM) of the Bank.”
ICICI Bank’s strong financial performance, marked by increased profits and effective risk management, positions it well for continued success in the banking industry. As the bank moves forward, it aims to leverage its growth potential while maintaining a focus on customer satisfaction and sustainable practices.
