ICICI Bank Q4 Results: Net profit exceeded forecast by 18% year-over-year at Rs 12,630 crore; Rs 11 dividend declared

In its financial results for the fourth quarter of FY25, ICICI Bank, the second-largest private sector lender in India, recorded an 18% increase in standalone net profit to Rs 12,629.58 crore year over year. Analysts predicted a net profit of Rs 12,050 crore; the earnings exceeded street estimates. Net profit increased 7.1 percent sequentially.

According to ICICI Bank, pending the necessary clearances, the board has recommended a dividend of Rs 11 per share of face value of Rs 2. Following approval at the company's annual general meeting, the dividend will be distributed. Quality of assets

As of March 31, 2025, ICICI Bank's gross non-performing asset (NPA) ratio was 1.67 percent, down from 2.16 percent a year earlier and 1.96 percent a quarter earlier.

Likewise, the bank's net non-performing asset (NPA) ratio was 0.39 percent during the reporting quarter, down from 0.42 percent during the previous quarter and 0.42 percent during the previous year. Gross non-performing assets (NPA) decreased to Rs 24,166.18 crore on March 31, 2025, from Rs 27,745.33 crore on December 31, 2024, and Rs 27,961.68 crore on March 31, 2024, in absolute terms.

According to the announcement, the quarter's provisions (not including tax provisions) rose to Rs 891 crore in Q4FY25 from Rs 718 crore in Q4FY24 and Rs 1,227 crore in Q3FY25.

As of March 31, 2025, the provisioning coverage ratio for non-performing loans was 76.2%. Deposits

The total deposit made by private lenders in the quarter that ended in March rose 5.9 percent on a quarterly basis and 14 percent on an annual basis. As of March 31, 2025, the bank's total deposits for the January–March quarter were Rs 16.11 lakh crore.

To reach Rs 14.87 lakh crore in Q4FY25, average deposits grew by 11.4 percent year over year and 1.9 percent sequentially. In Q4FY25, average current account deposits rose 1.4 percent sequentially and 9.6 percent year over year. In Q4FY25, average savings account deposits rose by 0.1 percent sequentially and 10.1 percent year over year.

The Bank had a network of 6,983 branches and 16,285 ATMs and cash recycling machines as of March 31, 2025, after adding 241 branches in Q4 of 2025. Developments

At March 31, 2025, net domestic advances increased by 2.2 percent sequentially and 13.9 percent year over year. The portfolio of retail loans increased by 2.0 percent sequentially and 8.9 percent annually accounted for 52.4% of the entire loan portfolio as of March 31, 2025. As of March 31, 2025, the retail portfolio accounted for 43.8% of the overall portfolio, including non-fund outstanding. At March 31, 2025, the business banking portfolio increased by 6.2 percent sequentially and 33.7 percent year over year. At March 31, 2025, the rural portfolio experienced a 5.1 percent annual growth followed by a 1.5 percent drop. At March 31, 2025, the domestic corporate portfolio decreased by 0.4 percent sequentially and increased by 11.9 percent year over year.

According to the statement, total advances reached Rs 13.42 lakh crore on March 31, 2025, up 13.3% year over year and 2.1 percent sequentially. NIM and NII

Net interest income (NII) climbed from Rs 19,093 crore in Q4FY24 to Rs 21,193 crore in Q4FY25, an 11.0 percent year-over-year rise.

Compared to 4.25 percent in Q3FY25 and 4.40 percent in Q4FY24, the net interest margin was 4.41 percent in Q4FY25. In FY25, the net interest margin was 4.32%.

ICICI Bank shares surged 3.73 percent to close at Rs 1,407 on the NSE Thursday ahead of the Q4 earnings.