India’s second-largest private sector bank, ICICI Bank, reported a stellar performance for the quarter ended March 31, 2025 (Q4 FY25). With consistent profit growth, improving asset quality, and a dividend announcement, it has reaffirmed its leadership in the Indian banking space. Here’s a deep dive 👇
🏦 ICICI Bank – Company Snapshot
- Sector: Private Banking & Financial Services
- Incorporated: 1994
- Headquarters: Mumbai, India
- Services: Retail, Corporate, SME, Digital & International Banking
📈 Q4 FY25 Financial Highlights
| 🔹 Key Metric | Q4 FY25 | YoY Growth |
|---|---|---|
| Net Profit | ₹12,630 Cr | ▲ 18.0% |
| Net Interest Income (NII) | ₹21,193 Cr | ▲ 11.0% |
| Core Operating Profit | ₹17,425 Cr | ▲ 13.7% |
| Return on Assets (ROA) | 2.49% | ▲ from 2.36% |
| Return on Equity (ROE) | 18.2% | ⬇ slightly from 18.5% |
✅ Profit beats street estimates while NPAs continue to decline.
📦 Deposits & Loan Growth
- Total Deposits: ₹16.1 Lakh Cr (▲ 14.0% YoY)
- Domestic Loan Book: ₹13.39 Lakh Cr (▲ 13.4%)
- Retail Loans: ₹7.17 Lakh Cr (▲ 8.9%)
📊 Retail dominates with 52.4% of the total book.
🛡️ Asset Quality
| Metric | Value (Mar 31, 2025) |
|---|---|
| Gross NPA | 1.67% (↓ from 2.16%) |
| Net NPA | 0.39% (↓ from 0.42%) |
| Provision Coverage Ratio | 76.2% |
| Contingency Provisions | ₹13,100 Cr |
📉 Non-performing assets continue on a downward trend.
💰 Dividend Declared
💵 Dividend of ₹11/share recommended by the Board for FY25.
Subject to shareholder approval.
📊 Key Financial Ratios
- CMP: ₹1,077 (as of April 2025)
- Market Cap: ₹7.58 Lakh Cr
- P/E Ratio: ~16x
- ROE: 17.9%
- Cost-to-Income Ratio: 37.9%
- Net Interest Margin (NIM): 4.41%
- Capital Adequacy Ratio (CAR): 16.55%
👥 Promoter & Institutional Holding
- Promoter Holding: 0% (Private bank)
- FII Holding: ~43%
- DII Holding: ~40%
🏦 Strong institutional ownership reflects confidence in management & growth.
✅ Reasons to Invest in ICICI Bank
✔️ Strong fundamentals & profit growth
✔️ Low NPAs & healthy provisioning
✔️ High ROE & steady dividend payout
✔️ Diversified retail and corporate lending base
✔️ Leading position in digital & tech-driven banking
⚠️ Risks to Consider
⚠️ Cost of Deposits rising – now at 5.00%
⚠️ NIM pressure due to rate cycle turning
⚠️ Global economic risks & interest rate volatility
🔚 Final Verdict
ICICI Bank continues to fire on all cylinders. With improving profitability, a solid capital position, expanding digital offerings, and a clean book — it’s one of the best-positioned banks in India.
👉 Ideal for long-term investors looking for a balanced blend of growth, stability, and dividend yield.
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