ICICI Bank on Saturday, April 19, reported a 15.7% year-on-year rise in consolidated web profit for the quarter ended March 2025, reaching Rs 13,502 crore, in contrast to the identical interval final 12 months. The sturdy efficiency was pushed by a gradual rise in core revenue and improved asset quality.
On a standalone foundation, the lender’s web profit rose 18% to Rs 12,630 crore within the January–March quarter, as in opposition to Rs 10,708 crore throughout the identical interval a 12 months in the past. The outcomes underscore the financial institution’s constant monetary efficiency and its place as India’s second-largest personal sector financial institution.
Core Earnings Maintains Robust Momentum
ICICI Bank’s web curiosity revenue (NII), a key measure of its core banking operations, stood at Rs 21,193 crore, reflecting a 11% progress from Rs 19,093 crore within the March 2024 quarter. The rise signifies wholesome credit score demand and environment friendly lending practices.
Alongside curiosity revenue, the financial institution additionally noticed sturdy positive aspects in non-interest revenue (excluding treasury), which grew 18.4% to Rs 7,021 crore. This progress was pushed by increased price revenue, improved service fees, and different monetary companies.
Provisioning Stays Prudent
The financial institution allotted Rs 891 crore in the direction of provisions and contingencies within the quarter, up from Rs 718 crore a 12 months earlier. The rise in provisions stays average and displays a cautious however managed method towards danger protection, particularly amid evolving macroeconomic situations.
Asset Quality Strengthens Additional
In a optimistic improvement, ICICI Bank’s gross non-performing asset (GNPA) ratio improved to 1.67% as of March 31, 2025, in contrast to 1.96% on the finish of December 2024. The drop in unhealthy loans is a results of centered restoration efforts and disciplined mortgage disbursal methods.
Trying Forward
The financial institution’s efficiency in Q4 highlights its sturdy monetary self-discipline, diversified revenue streams, and efficient credit score administration. Because it closes the monetary 12 months on a excessive word, ICICI Bank is well-positioned to carry ahead the momentum into FY26.
Backed by digital transformation, sturdy fundamentals, and a concentrate on sustainable progress, the lender stays a key participant in India’s banking sector.
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