ICICI Bank Q4 FY25 Results: Profit Jumps 18% to ₹12,630 Crore, Asset Quality at Decade Best

Key Highlights:

ICICI Bank Q4 FY25 Results reaffirm the private lender’s strength as one of India’s most profitable and well-managed financial institutions. On April 19, 2025, ICICI Bank reported a stellar 18% year-on-year rise in net profit to ₹12,630 crore, beating street estimates and closing the fiscal year on a high note.

Net Profit and NII Surge in Q4 FY25

• 🏦 Net Profit: ₹12,630 crore vs ₹10,708 crore in Q4 FY24 – an 18% YoY increase
• 📈 Net Interest Income (NII): ₹21,193 crore, up 11% YoY
• 💹 Net Interest Margin (NIM): 4.41% in Q4, compared to 4.25% in Q3 FY25

The bank attributed the NII growth to strong credit demand and calibrated deposit rate adjustments. High-yield retail lending segments played a crucial role in sustaining NIM above 4%.

Asset Quality Improves to 10-Year Best

ICICI Bank’s asset quality hit a decade-best mark in Q4:

• 🧾 Gross NPA Ratio: 1.67%, down from 1.96% QoQ
• 🧮 Net NPA Ratio: 0.39%, compared to 0.42% in Q3
• 💰 Provisions: ₹891 crore for Q4, up from ₹718 crore YoY

The bank’s aggressive recovery mechanisms and write-offs in corporate accounts helped clean the balance sheet further.

Loan Book and Deposit Growth Remain Strong

ICICI Bank’s fundamentals remain robust across both assets and liabilities:

• 💼 Total Advances: ₹13.42 lakh crore, up 13.3% YoY
• 🏦 Total Deposits: ₹16.11 lakh crore, up 14% YoY
• 👥 Retail Loan Book Share: 52.4% of total loans
• 🧍‍♀️ Branch Network: 6,983 branches, 16,285 ATMs across India

The bank added 241 new branches in Q4 alone, indicating a continued focus on physical and digital outreach.

ICICI Declares ₹11 Dividend for FY25

The board of ICICI Bank recommended a final dividend of ₹11 per share, reinforcing investor confidence and reflecting the bank’s strong capital position.

• 💸 Capital Adequacy Ratio: 16.55% as of March 31, 2025
• 📊 Strong capital base ensures room for growth and shareholder returns

What This Means for You

For retail investors, corporate clients, and industry watchers:

• 🟢 ICICI continues to deliver strong financials, making it a preferred stock for stability and dividend yield
• 💳 Strong NII growth shows resilient lending despite rising competition
• 📉 Declining NPAs boost confidence in credit underwriting practices
• 📈 Deposit growth suggests customer trust remains intact

How to Take Action

• 📈 Investors: ICICI remains a fundamentally sound private bank for long-term holdings
• 📊 Analysts: Recalibrate earnings expectations for FY26 given strong finish in FY25
• 🧾 Account Holders: Expect continued expansion in retail banking services
• 🧮 Loan Applicants: Higher NIM and low NPAs may translate into stable lending policies

Who Will Be Affected

• 🧑‍💼 Shareholders: ₹11 dividend signals strong payout track record
• 🏢 Banking Sector Peers: ICICI’s strong metrics may put pressure on rivals
• 💡 Fintechs & NBFCs: Strong deposit traction may challenge alternate lenders
• 🧑‍🏫 Students & Researchers: A case study in consistent growth & risk management

ICICI Ends FY25 on a High—Strong Financials Cement Leadership

ICICI Bank Q4 FY25 Results indicate that the lender has struck the perfect balance between growth, profitability, and risk management. With consistent double-digit profit growth, best-in-class asset quality, and growing dividends, ICICI has emerged as a benchmark for private banking in India.

As FY26 begins, ICICI enters with momentum, clarity, and investor trust at an all-time high.

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