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ICICI Bank Results: Latest Quarterly Results & Analysis

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ICICI Bank Ltd. 19 Oct 2026 11:36 AM

Q2FY27 Quarterly Result Announced for ICICI Bank Ltd.

ICICI Bank announced Q2FY27 results

Standalone Financial Highlights:

  • Total Income: Reached Rs 57,157.49 crore in Q2FY27, reflecting a YoY increase of 15.86% from Rs 49,333.49 crore in Q2FY26, and a QoQ increase of 5.36% from Rs 54,246.84 crore in Q1FY27.
  • Net Interest Income (NII): Increased by 17.7% YoY to Rs 25,339 crore (USD 2.6 billion) in Q2FY27 from Rs 21,529 crore (USD 2.2 billion) in Q2FY26. Sequentially, it grew by 3.91% from Rs 24,384 crore in Q1FY27.
  • Net Interest Margin: Stood at 4.18% in Q2FY27 compared to 4.36% in Q1FY27 and 4.30% in Q2FY26.
  • Non-Interest Income (Excluding Treasury): Increased by 12.5% YoY to Rs 8,277 crore (USD 864 million) in Q2FY27 from Rs 7,356 crore (USD 768 million) in Q2FY26.
  • Fee Income: Grew by 20.1% YoY to Rs 7,795 crore (USD 813 million) in Q2FY27 from Rs 6,491 crore (USD 677 million) in Q2FY26.
  • Treasury Income: There was a treasury loss of Rs 230 crore (USD 24 million) in Q2FY27 compared to a gain of Rs 151 crore (USD 16 million) in Q1FY27 and Rs 220 crore (USD 23 million) in Q2FY26.
  • Core Operating Profit: Grew by 21.8% YoY to Rs 20,805 crore (USD 2.2 billion) in Q2FY27 from Rs 17,078 crore (USD 1.8 billion) in Q2FY26. Excluding dividend from subsidiaries, it increased by 25.0% YoY to Rs 20,342 crore (USD 2.1 billion).
  • Profit Before Tax (PBT): Stood at Rs 19,724.54 crore in Q2FY27, up 20.39% YoY from Rs 16,383.85 crore in Q2FY26, and up 3.13% QoQ from Rs 19,125.62 crore in Q1FY27. Excluding treasury, PBT grew by 23.4% YoY to Rs 19,954 crore (USD 2.1 billion).
  • Net Profit (PAT): Grew by 20.1% YoY to Rs 14,843.03 crore (USD 1.5 billion) in Q2FY27 from Rs 12,358.89 crore (USD 1.3 billion) in Q2FY26. Sequentially, PAT witnessed a marginal 0.26% QoQ growth from Rs 14,804.50 crore in Q1FY27.

Consolidated Financial Highlights:

  • Total Income: Reached Rs 88,161.18 crore in Q2FY27, reflecting a YoY growth of 15.78% from Rs 76,146.59 crore in Q2FY26, and a QoQ growth of 10.63% from Rs 79,689.22 crore in Q1FY27.
  • Profit Before Tax (PBT): Achieved Rs 23,191.75 crore in Q2FY27, marking an increase of 21.25% YoY against Rs 19,126.33 crore in Q2FY26, and 8.51% QoQ against Rs 21,373.61 crore in Q1FY27.
  • Net Profit (PAT): Increased by 22.28% YoY to Rs 16,333.18 crore (USD 1.7 billion) in Q2FY27 from Rs 13,357.06 crore (USD 1.4 billion) in Q2FY26. Sequentially, it grew by 5.78% QoQ from Rs 15,440.06 crore in Q1FY27.
  • Consolidated Assets: Grew by 22.6% YoY to Rs 32,92,953 crore (USD 343.6 billion) at Q2FY27 from Rs 26,86,485 crore (USD 280.4 billion) at Q2FY26.

Business Highlights:

  • Deposits: Total period-end deposits increased by 27.1% YoY and 11.8% QoQ to Rs 20,49,874 crore (USD 213.9 billion) at Q2FY27. Average deposits grew by 21.2% YoY and 8.0% QoQ to Rs 18,88,219 crore (USD 197.0 billion). Average CASA ratio was 35.8% in Q2FY27.
  • Advances: Total loan portfolio grew by 30.0% YoY and 12.3% QoQ to Rs 18,31,580 crore (USD 191.1 billion) at Q2FY27. The retail and rural loan portfolio grew by 14.8% YoY and comprised 51.6% of the total loan portfolio.
  • Asset Quality: The gross NPA ratio improved to 1.20% at Q2FY27 compared to 1.38% at Q1FY27 and 1.58% at Q2FY26. The net NPA ratio stood at 0.30% at Q2FY27 compared to 0.35% at Q1FY27 and 0.39% at Q2FY26. The provisioning coverage ratio on non-performing loans was 75.0% at Q2FY27.
  • Capital Adequacy: Total capital adequacy ratio was 16.68% and CET-1 ratio was 16.01% on a standalone basis at Q2FY27, well above the minimum regulatory requirements.
  • Network: With the addition of 145 branches during H1FY27, the Bank had a network of 7,656 branches and 12,143 ATMs & cash recycling machines at Q2FY27.

Segment-wise Performance:

  • Retail Banking: Reached Rs 43,723.90 crore in Q2FY27, increasing by 7.27% YoY from Rs 40,758.81 crore in Q2FY26, and by 3.69% QoQ from Rs 42,166.49 crore in Q1FY27.
  • Wholesale Banking: Recorded at Rs 27,035.05 crore in Q2FY27, reflecting a solid 28.05% YoY growth from Rs 21,111.95 crore in Q2FY26, and a 6.75% QoQ growth from Rs 25,326.59 crore in Q1FY27.
  • Treasury: Achieved Rs 39,532.75 crore in Q2FY27, up 16.57% YoY from Rs 33,913.18 crore in Q2FY26, and up 6.24% QoQ from Rs 37,211.69 crore in Q1FY27.
  • Other Banking: Posted Rs 3,570.59 crore in Q2FY27, representing a massive 272.55% YoY increase from Rs 958.41 crore in Q2FY26, and a 118.64% QoQ increase from Rs 1,633.05 crore in Q1FY27.
  • Key Subsidiaries Performance:
    • ICICI Life Insurance: The profit after tax increased to Rs 374 crore (USD 39 million) in Q2FY27 from Rs 299 crore (USD 31 million) in Q2FY26.
    • ICICI Lombard General Insurance (ICICI General): Gross Direct Premium Income (GDPI) increased to Rs 6,792 crore (USD 709 million) in Q2FY27 from Rs 6,596 crore (USD 688 million) in Q2FY26. Profit after tax increased to Rs 946 crore (USD 99 million) in Q2FY27 from Rs 820 crore (USD 86 million) in Q2FY26.
    • ICICI Prudential Asset Management Company: Profit after tax increased to Rs 889 crore (USD 93 million) in Q2FY27 from Rs 838 crore (USD 87 million) in Q2FY26.
    • ICICI Securities: Profit after tax, on a consolidated basis, increased to Rs 439 crore (USD 46 million) in Q2FY27 from Rs 425 crore (USD 44 million) in Q2FY26.
    • ICICI Home Finance: Profit after tax increased to Rs 220 crore (USD 23 million) in Q2FY27 from Rs 203 crore (USD 21 million) in Q2FY26.

Result PDF

ICICI Bank announced Q1FY27 results

Consolidated Financial Highlights:

  • Total Income: The bank reported a total income of Rs 79,689.22 crore in Q1FY27, representing a QoQ decrease of 5.82% compared to Rs 84,613.66 crore in Q4FY26, and a YoY increase of 6.86% compared to Rs 74,576.03 crore in Q1FY26.
  • Interest Earned: For Q1FY27, interest earned stood at Rs 52,240.85 crore, reflecting an increase of 5.34% QoQ from Rs 49,593.75 crore in Q4FY26, and a growth of 6.44% YoY from Rs 49,079.96 crore in Q1FY26.
  • Other Income: The company recorded other income of Rs 27,448.37 crore in Q1FY27, a decrease of 21.62% QoQ from Rs 35,019.91 crore in Q4FY26, but a 7.66% increase YoY compared to Rs 25,496.07 crore in Q1FY26.
  • Net Profit: Consolidated profit after tax for Q1FY27 was Rs 15,440.06 crore, showing a QoQ growth of 4.64% from Rs 14,755.06 crore in Q4FY26, and a YoY increase of 13.88% from Rs 13,557.60 crore in Q1FY26.
  • Full Year Performance (FY26): For the full year FY26, the consolidated total income was Rs 3,12,118.36 crore and the net profit for the period stood at Rs 54,207.70 crore.
  • Earnings Per Share (EPS): Basic EPS for Q1FY27 was Rs 21.54, compared to Rs 20.62 in Q4FY26 and Rs 19.02 in Q1FY26.

Standalone Financial Highlights:

  • Total Income: Standalone total income for Q1FY27 reached Rs 54,246.84 crore, up 7.24% QoQ from Rs 50,584.38 crore in Q4FY26, and up 5.43% YoY from Rs 51,451.81 crore in Q1FY26.
  • Interest Earned: The bank earned interest of Rs 45,670.78 crore in Q1FY27, marking an increase of 5.54% QoQ from Rs 43,275.39 crore in Q4FY26, and a 6.34% growth YoY from Rs 42,946.91 crore in Q1FY26.
  • Other Income: Standalone other income was Rs 8,576.06 crore in Q1FY27, reflecting an increase of 17.34% QoQ compared to Rs 7,308.99 crore in Q4FY26, and a 0.84% increase YoY from Rs 8,504.90 crore in Q1FY26.
  • Net Profit: Standalone profit after tax for Q1FY27 was Rs 14,804.50 crore, an increase of 8.05% QoQ from Rs 13,701.68 crore in Q4FY26, and a growth of 15.95% YoY from Rs 12,768.21 crore in Q1FY26.
  • Asset Quality: Gross NPA ratio for Q1FY27 improved to 1.38% compared to 1.40% in Q4FY26 and 1.67% in Q1FY26. Net NPA ratio stood at 0.35% in Q1FY27, compared to 0.33% in Q4FY26 and 0.41% in Q1FY26.
  • Capital Adequacy: Total capital adequacy ratio on a standalone basis was 16.84% in Q1FY27, compared to 17.18% in Q4FY26 and 16.31% in Q1FY26.

Business Highlights:

  • Segment-wise Revenue:
    • Retail Banking: Rs 42,166.49 crore
    • Wholesale Banking: Rs 25,326.59 crore
    • Treasury: Rs 37,211.69 crore
    • Life Insurance: Rs 13,633.29 crore
    • General Insurance: Rs 7,541.71 crore
  • Credit Growth: Total advances increased by 19.6% YoY and 5.0% sequentially to Rs 16,31,260 crore at June 30, 2026. The retail loan portfolio grew by 12.0% YoY, while business banking and rural portfolios grew by 28.2% YoY and 35.4% YoY, respectively.
  • Deposit Growth: Total period-end deposits increased by 14.0% YoY and 2.2% sequentially to Rs 18,33,586 crore as of June 30, 2026. Average current account and savings account (CASA) deposits increased by 12.1% YoY.
  • Key Subsidiaries Performance (Q1FY27):
    • ICICI Prudential Life Insurance (ICICI Life): Profit after tax increased to Rs 386 crore from Rs 302 crore in Q1FY26.
    • ICICI Prudential Asset Management Company: Profit after tax increased to Rs 965 crore from Rs 784 crore in Q1FY26.
    • ICICI Securities (Consolidated): Profit after tax was Rs 419 crore compared to Rs 391 crore in Q1FY26.
    • ICICI Home Finance: Profit after tax was Rs 200 crore compared to Rs 214 crore in Q1FY26.
    • ICICI Lombard General Insurance (ICICI General): Profit after tax was Rs 403 crore compared to Rs 747 crore in Q1FY26.

Result PDF

ICICI Bank announced Q4FY26 results
  • Profit before tax excluding treasury grew by 10.1% YoY to Rs 18,209 crore (USD 1.9 billion) in Q4FY26.
  • Core operating profit grew by 5.1% YoY to Rs 18,305 crore (USD 1.9 billion) in Q4FY26.
  • Profit after tax grew by 8.5% YoY to Rs 13,702 crore (USD 1.4 billion) in Q4FY26.
  • Profit before tax excluding treasury grew by 7.1% YoY to Rs 65,021 crore (USD 6.9 billion) in the year ended March 31, 2026 (FY26).
  • Core operating profit grew by 7.7% YoY to Rs 70,401 crore (USD 7.4 billion) in FY26.
  • Profit after tax grew by 6.2% YoY to Rs 50,147 crore (USD 5.3 billion) in FY26.
  • Consolidated profit after tax increased by 9.3% YoY to Rs 14,755 crore (USD 1.6 billion) in Q4FY26 and by 6.2% YoY to Rs 54,208 crore (USD 5.7 billion) in FY26.
  • Total period-end deposits grew by 11.4% YoY to Rs 17,94,625 crore (USD 189.2 billion) at March 31, 2026.
    • Average current account and savings account (CASA) ratio was 38.6% in Q4FY26.
  • Total loan portfolio grew by 15.8% YoY to Rs 15,53,893 crore (USD 163.9 billion) at March 31, 2026.
  • Net NPA ratio was 0.33% at March 31, 2026.
  • Total capital adequacy ratio was 17.18% and CET-1 ratio was 16.35%, on a standalone basis, at March 31, 2026 after reckoning the impact of proposed dividend.
  • The Board has recommended a dividend of Rs 12 per share for FY26. The declaration and payment of dividend is subject to requisite approvals.

Result PDF

ICICI Bank announced Q3FY26 results

Consolidated Financial Highlights:

  • The consolidated profit after tax was Rs 12,538 crore (USD 1.4 billion) in Q3FY26 compared to Rs 12,883 crore (USD 1.4 billion) in Q3FY25.
  • Consolidated assets grew by 8.8% YoY to Rs 27,53,471 crore (USD 306.4 billion) at December 31, 2025 from Rs 25,31,488 crore (USD 281.7 billion) at December 31, 2024.

Standalone Financial Highlights:

  • Core operating profit grew by 6.0% YoY to Rs 17,513 crore (USD 1.9 billion) in Q3FY26
  • Provisions (excluding provision for tax) were Rs 2,556 crore (USD 284 million) in Q3FY26.
    • Includes additional standard asset provision of Rs 1,283 crore (USD 143 million) made pursuant to Reserve Bank of India’s annual supervisory review.
  • Profit before tax excluding treasury was Rs 14,957 crore (USD 1.7 billion) in Q3FY26.
  • Profit after tax was Rs 11,318 crore (USD 1.3 billion) in Q3FY26.
  • Average deposits grew by 8.7% YoY to Rs 15,86,088 crore (USD 176.5 billion) in Q3FY26.
    • The average current account and savings account (CASA) ratio was 39.0% in Q3FY26.
  • Total period-end deposits grew by 9.2% YoY to Rs 16,59,611 crore (USD 184.7 billion) at December 31, 2025.
  • Domestic loan portfolio grew by 11.5% YoY to Rs 14,30,895 crore (USD 159.2 billion) at December 31, 2025.
  • Net NPA ratio was 0.37% at December 31, 2025.
  • Provisioning coverage ratio was 75.4% at December 31, 2025.
  • Including profits for the nine months ended December 31, 2025 (9M-2026), total capital adequacy ratio was 17.34% and CET-1 ratio was 16.46%, on a standalone basis, at December 31, 2025.
  • Average deposits increased by 8.7% YoY and 1.8% sequentially to Rs 15,86,088 crore (USD 176.5 billion) in Q3FY26. Average current and savings account deposits increased by 8.9% YoY and 1.5% sequentially in Q3FY26. Total period-end deposits increased by 9.2% YoY to Rs 16,59,611 crore (USD 184.7 billion) at December 31, 2025 (Rs 16,12,825 crore (USD 179.5 billion) at September 30, 2025).
  • The gross NPA additions were Rs 5,356 crore (USD 596 million) in Q3FY26 compared to Rs 6,085 crore (USD 677 million) in Q3FY25.
    • The gross NPA ratio was 1.53% at December 31, 2025 compared to 1.58% at September 30, 2025 and 1.96% at December 31, 2024. The net NPA ratio was 0.37% at December 31, 2025 compared to 0.39% at September 30, 2025 and 0.42% at December 31, 2024.
  • Including profits for 9MFY26, the Bank’s total capital adequacy ratio at December 31, 2025 was 17.34% and CET-1 ratio was 16.46% compared to the minimum regulatory requirements of 11.70% and 8.20% respectively.

Result PDF

ICICI Bank announced Q2FY26 results

Q2FY26 Financial Highlights:

  • Profit before tax excluding treasury grew by 9.1% year-on-year to Rs 16,164 crore (US$ 1.8 billion) in the quarter ended September 30, 2025 (Q2FY26)
  • Core operating profit grew by 6.5% year-on-year to Rs 17,078 crore (US$ 1.9 billion) in Q2FY26
  • Profit after tax grew by 5.2% year-on-year to Rs 12,359 crore (US$ 1.4 billion) in Q2FY26
  • Average deposits grew by 9.1% year-on-year to Rs 15,57,449 crore (US$ 175.4 billion) in Q2FY26
    • Average current account and savings account (CASA) ratio was 39.2% in Q2FY26
  • Total period-end deposits grew by 7.7% year-on-year to Rs 16,12,825 crore (US$ 181.6 billion) at September 30, 2025
  • Domestic loan portfolio grew by 10.6% year-on-year to Rs 13,75,260 crore (US$ 154.9 billion) at September 30, 2025
  • Net NPA ratio was 0.39% at September 30, 2025
  • Including profits for the six months ended September 30, 2025 (H1-2026), total capital adequacy ratio was 17.00% and CET-1 ratio was 16.35%, on a standalone basis, at September 30, 2025
  • The consolidated profit after tax increased by 3.2% year-on-year to Rs 13,357 crore (US$ 1.5 billion) in Q2FY26 from Rs 12,948 crore (US$ 1.5 billion) in Q2FY25.
  • Consolidated assets grew by 6.8% year-on-year to Rs 26,86,485 crore (US$ 302.6 billion) at September 30, 2025 from Rs 25,16,512 crore (US$ 283.4 billion) at September 30, 2024.

Result PDF

ICICI Bank announced Q1FY26 results
  • Earnings:
    • Profit before tax excluding treasury grew by 11.4% YoY to Rs 156.90 billion in Q1FY26.
    • Core operating profit grew by 13.6% YoY to Rs 175.05 billion.
    • Profit after tax grew by 15.5% YoY to Rs 127.68 billion in Q1FY26.
  • Deposits:
    • Period end total deposits grew by 12.8% YoY and were flat sequentially.
    • Average deposits grew by 11.2% YoY and 3.1% QoQ at June 30, 2025.
    • Average savings account deposits increased by 7.6% YoY and 3.6% QoQ.
    • Average current account deposits increased by 11.2% YoY and 4.6% QoQ
  • Advances:
    • Domestic loans grew by 12.0% YoY and 1.5% QoQ.
    • Retail loans grew by 6.9% YoY and 0.5% QoQ.
    • Business banking1 portfolio grew by 29.7% YoY and 3.7% QoQ.
    • Domestic corporate portfolio grew by 7.5% YoY and declined by 1.4% QoQ
  • Asset quality:
    • Net NPA ratio was 0.41% at Jun 30, 2025 (Jun 30, 2024: 0.43%).
    • Net additions of Rs 30.34 billion to gross NPAs in Q1-2026 (Q1-2025: Rs 26.24 billion).
    • Provisions of Rs 18.15 billion in Q1-2026 (0.53% of average advances).
    • Provision coverage was 75.3% at Jun 30, 2025.
    • Standard, contingency and other provisions of Rs 226.64 billion (1.7% of advances) at Jun 30, 2025.
      • Contingency provisions of Rs 131.00 billion at Jun 30, 2025.
  • Capital:
    • Common Equity Tier 1 ratio of 16.31% (Mar 31, 2025: 15.94% ).
    • Total capital adequacy ratio of 16.97%.

Result PDF

ICICI Bank announced Q4FY25 & FY25 results
  • Profit before tax excluding treasury grew by 13.2% YoY to Rs 16,534 crore (USD 1.9 billion) in Q4FY25.
  • Core operating profit grew by 13.7% YoY to Rs 17,425 crore (USD 2.0 billion) in Q4FY25.
  • Profit after tax grew by 18.0% YoY to Rs 12,630 crore (USD 1.5 billion) in Q4FY25.
  • Profit before tax excluding treasury grew by 11.4% YoY to Rs 60,713 crore (USD 7.1 billion) in FY25.
  • Core operating profit grew by 12.5% YoY to Rs 65,396 crore (USD 7.6 billion) in FY25.
  • Profit after tax grew by 15.5% YoY to Rs 47,227 crore (USD 5.5 billion) in FY25.
  • Consolidated profit after tax increased by 15.7% YoY to Rs 13,502 crore (USD 1.6 billion) in Q4FY25 and by 15.3% YoY to Rs 51,029 crore (USD 6.0 billion) in FY25.
  • Total period-end deposits grew by 14.0% YoY to Rs 16,10,348 crore (US $ 188.4 billion) at March 31, 2025.
  • Average deposits grew by 11.4% YoY to Rs 14,86,635 crore (USD 173.9 billion) in Q4FY25.
    • Average current account and savings account (CASA) ratio was 38.4% in Q4FY25.
  • Domestic loan portfolio grew by 13.9% YoY to Rs 13,10,981 crore (USD 153.4 billion) at March 31, 2025.
  • Net NPA ratio declined to 0.39% at March 31, 2025 from 0.42% at December 31, 2024.
  • Provisioning coverage ratio on non-performing loans was 76.2% at March 31, 2025.
  • Total capital adequacy ratio was 16.55% and CET-1 ratio was 15.94%, on a standalone basis, at March 31, 2025 after reckoning the impact of proposed dividend.
  • The Board has recommended a dividend of Rs 11 per share for FY25. The declaration and payment of dividend is subject to requisite approvals.

Result PDF

ICICI Bank announced Q3FY25 results
  • Profit before tax excluding treasury grew by 12.8% YoY and 3.2% QoQ to Rs 152.89 billion in Q3FY25.
  • Core operating profit grew by 13.1% YoY and 2.9% QoQ to Rs 165.16 billion.
  • Excluding dividend income from subsidiaries and associates, core operating profit grew by 14.7% YoY and 3.3% QoQ.
  • Profit after tax grew by 14.8% YoY to Rs 117.92 billion in Q3FY25.
  • Provisions of Rs 12.27 billion in Q3FY25 (0.37% of average advances)
  • Deposits:
    • Average deposits grew by 13.7% YoY and 2.1% QoQ at December 31, 2024.
    • Average savings account deposits increased by 12.3% YoY and 1.3% QoQ.
    • Average current account deposits increased by 13.1% YoY and 4.5% QoQ.
    • Period end total deposits grew by 14.1% YoY and 1.5% QoQ
  • Advances:
    • Domestic loans grew by 15.1% YoY and 3.2% QoQ.
    • Retail loans grew by 10.5% YoY and 1.4% QoQ.
    • Business banking1 portfolio grew by 31.9% YoY and 6.4% QoQ.
    • Domestic corporate portfolio grew by 13.2% YoY and 4.3% QoQ
  • Asset Quality:
    • Net NPA ratio was 0.42% at Dec 31, 2024 (Sep 30, 2024: 0.42%).
    • Net additions of Rs 26.93 billion to gross NPAs in Q3FY25 (Q1FY25: Rs 26.24 billion; Q2FY25: Rs 17.54 billion).
    • Provision coverage was 78.2% at Dec 31, 2024 (Sep 30, 2024: 78.5%).
    • Fund based o/s of Rs 21.07 billion (0.2 % of advances) to all standard borrowers under resolution; provisions of Rs 6.91 billion held against these borrowers.
    • Contingency provisions of Rs 131.00 billion at Dec 31, 2024
  • Capital: Common Equity Tier 1 ratio of 15.93% (Sep 30, 2024: 15.96%).

Result PDF

ICICI Bank announced Q2FY25 results
  • Profit before tax excluding treasury grew by 7.9% YoY to Rs 14,810 crore (USD 1.8 billion) in the quarter ended Q2FY25 (Q2FY25)
  • Core operating profit grew by 12.1% YoY to Rs 16,043 crore (USD 1.9 billion) in Q2FY25.
    • Excluding dividend income from subsidiaries/associates, core operating profit grew by 13.4% YoY in Q2FY25.
  • Profit after tax grew by 14.5% YoY to Rs 11,746 crore (USD 1.4 billion) in Q2FY25.
  • Total period-end deposits grew by 15.7% YoY to Rs 14,97,761 crore (USD 178.7 billion) at Q2FY25.
  • Average deposits grew by 15.6% YoY to Rs 14,28,095 crore (USD 170.4 billion) at Q2FY25.
    • Average current account and savings account (CASA) ratio was 38.9% in Q2FY25.
  • Domestic loan portfolio grew by 15.7% YoY to Rs 12,43,090 crore (USD 148.3 billion) at Q2FY25.
  • Net NPA ratio was 0.42% at Q2FY25 compared to 0.43% at Q1FY25.
  • Provisioning coverage ratio on non-performing loans was 78.5% at Q2FY25.
  • Including profits for the six months ended Q2FY25 (H1-2025), total capital adequacy ratio was 16.66% and CET-1 ratio was 15.96% on a standalone basis at Q2FY25
  • Asset Quality: The gross NPA ratio was 1.97% at Q2FY25 compared to 2.15% at Q1FY25. The net NPA ratio was 0.42% at Q2FY25 compared to 0.43% at Q1FY25.
  • Credit growth: The Bank has revised the presentation of loans to reflect a consolidated view of the business banking portfolio. This comprises all borrowers with a turnover of upto Rs 750 crore (USD 90 million).

Result PDF

ICICI Bank announced Q1FY25 results:
  • Profit before tax excluding treasury grew by 11.8% YoY to Rs 14,080 crore (USD 1.7 billion) in the quarter ended June 30, 2024 (Q1FY25)
  • Core operating profit grew by 11.0% YoY to Rs 15,412 crore (USD 1.8 billion) in Q1FY25
  • Profit after tax grew by 14.6% YoY to Rs 11,059 crore (USD 1.3 billion) in Q1FY25
  • Total period-end deposits grew by 15.1% YoY to Rs 14,26,150 crore (USD 171.0 billion) at June 30, 2024
  • Average deposits grew by 17.8% YoY to Rs 13,78,658 crore (USD 165.3 billion) at June 30, 2024
  • Average current account and savings account (CASA) ratio was 39.6% in Q1FY25
  • Domestic loan portfolio grew by 15.9% YoY to Rs 11,88,587 crore (USD 142.5 billion) at June 30, 2024
  • Net NPA ratio was 0.43% at June 30, 2024 compared to 0.42% at March 31, 2024
  • Provisioning coverage ratio on non-performing assets was 79.7% at June 30, 2024
  • Including profits for Q1FY25, total capital adequacy ratio was 16.63% and CET-1 ratio was 15.92%, on a standalone basis, at June 30, 2024

Result PDF

Disclaimer – I ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec is acting as a distributor to solicit bond related products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. The contents herein mentioned are solely for informational and educational purpose.
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