In the meantime, for the total monetary yr 2025, the profit after tax grew by 15.5% year-on-year to Rs 47,227 crore. Moreover, ICICI Bank declared a dividend of Rs 11 per share.
The financial institution’s internet curiosity margin (NIM) stood at 4.41% in Q4FY25, in comparison with 4.25% in Q3FY25 and 4.40% in Q4FY24. For the total yr FY25, the NIM was 4.32%.
The financial institution’s complete period-end deposits grew 14% YoY to Rs 16.10 lakh crore as of March 31, 2025, whereas common deposits elevated 11.4% to Rs 14.86 lakh crore in Q4FY25. The common CASA (present and financial savings account) ratio stood at 38.4% through the quarter.
On the lending aspect, the home mortgage portfolio expanded by 13.9% YoY to just about Rs 13.11 lakh crore.
The retail mortgage portfolio grew by 8.9% year-on-year and a pair of% sequentially, and comprised 52.4% of the entire mortgage portfolio at March 31, 2025.Provisions (excluding provision for tax) stood at Rs 891 crore in Q4FY25, in comparison with Rs 718 crore in Q4FY24 and Rs 1,227 crore in Q3FY25.The financial institution’s internet non-performing asset (NPA) ratio improved to 0.39% as of March 31, 2025, down from 0.42% as of December 31, 2024. Additional, the gross NPA ratio was 1.67% at March 31, 2025 in comparison with 1.96% at December 31, 2024.
ICICI Bank reported a complete capital adequacy ratio of 16.55% and the provisioning protection ratio on non-performing loans stood at 76.2%.
On Thursday, the shares of ICICI Bank closed 3.7% increased at Rs 1,406.65 on the BSE.
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