<p><strong>Mumbai:</strong> ICICI Bank, a leading private sector bank in India, posted an 18% growth in net profit to ₹12,630 crore in the January-March quarter of the financial year 2025, compared to the same period last year. Net interest income (NII) increased by 11% to ₹21,193 crore in Q4FY2025 from the same period last year. For the fiscal year 2025, net profit grew by 15.5% year-on-year to ₹47,227 crore. The board of the Bank recommended a dividend of ₹11 per share for FY2025, subject to requisite approvals.</p><p>The capital position of the bank continued to be strong with a CET-1 ratio of 15.94% and total capital adequacy ratio of 16.55% at March 31, 2025, after factoring in the impact of the proposed dividend.</p><p><strong>Sandeep Bakhshi, MD & CEO, ICICI Bank said</strong>, “At ICICI Bank, we are laying strong emphasis on strengthening our operational resilience for seamless delivery of services to customers. We will remain focused on maintaining a strong balance sheet with prudent provisioning and healthy levels of capital. The principles of ‘Return of Capital’, ‘Fair to Customer, Fair to Bank’ and ‘One Bank, One Team’ will continue to guide our operations. We remain focused on delivering consistent and predictable returns to our shareholders.”</p><p><strong>Deposit growth:</strong></p><p>Total deposits grew by 14% year-on-year and 5.9% sequentially to ₹16,10,348 crore as of March 31, 2025. Term deposits increased by 14.6% year-on-year, while CASA deposits grew by 13.1% during the last quarter of FY25. Term deposits accounted for 58.2% of total deposits, with the remaining 41.8% comprising CASA deposits. Average current and savings account deposits grew by 10% year-on-year during the quarter. The bank’s average liquidity coverage ratio for the quarter was about 126%. The CASA ratio stood at 38.4%, reflecting the bank’s ability to maintain a low-cost funding structure.</p><p><strong>Loan Growth:</strong></p><p>The total loan portfolio of ICICI Bank grew by 13.3% year-on-year and 2.1% sequentially at March 31, 2025. The net domestic loan portfolio increased by 13.9% year-on-year and 2.2% sequentially at March 31, 2025. The retail loan portfolio grew by 8.9% year-on-year and 2.0% sequentially. Including non-fund-based outstanding, the retail segment accounted for 43.8% of the total portfolio. The business banking portfolio recorded a strong growth of 33.7% year-on-year and 6.2% sequentially. The rural portfolio expanded by 5.1% year-on-year, while the domestic corporate portfolio grew by 11.9% year-on-year.</p><p>“Looking ahead, we see many opportunities to drive risk-calibrated profitable growth. We believe our focus on customer 360 degree, extensive franchise and collaboration within the organisation, backed by our focus on enhancing delivery systems and simplifying processes, will enable us to deliver holistic solutions to customers in a seamless manner and grow market share across key segments.” <strong>Bakhshi added.</strong></p>
<p><strong>Mumbai:</strong> ICICI Bank, a leading private sector bank in India, posted an 18% growth in net profit to ₹12,630 crore in the January-March quarter of the financial year 2025, compared to the same period last year. Net interest income (NII) increased by 11% to ₹21,193 crore in Q4FY2025 from the same period last year. For the fiscal year 2025, net profit grew by 15.5% year-on-year to ₹47,227 crore. The board of the Bank recommended a dividend of ₹11 per share for FY2025, subject to requisite approvals.</p><p>The capital position of the bank continued to be strong with a CET-1 ratio of 15.94% and total capital adequacy ratio of 16.55% at March 31, 2025, after factoring in the impact of the proposed dividend.</p><p><strong>Sandeep Bakhshi, MD & CEO, ICICI Bank said</strong>, “At ICICI Bank, we are laying strong emphasis on strengthening our operational resilience for seamless delivery of services to customers. We will remain focused on maintaining a strong balance sheet with prudent provisioning and healthy levels of capital. The principles of ‘Return of Capital’, ‘Fair to Customer, Fair to Bank’ and ‘One Bank, One Team’ will continue to guide our operations. We remain focused on delivering consistent and predictable returns to our shareholders.”</p><p><strong>Deposit growth:</strong></p><p>Total deposits grew by 14% year-on-year and 5.9% sequentially to ₹16,10,348 crore as of March 31, 2025. Term deposits increased by 14.6% year-on-year, while CASA deposits grew by 13.1% during the last quarter of FY25. Term deposits accounted for 58.2% of total deposits, with the remaining 41.8% comprising CASA deposits. Average current and savings account deposits grew by 10% year-on-year during the quarter. The bank’s average liquidity coverage ratio for the quarter was about 126%. The CASA ratio stood at 38.4%, reflecting the bank’s ability to maintain a low-cost funding structure.</p><p><strong>Loan Growth:</strong></p><p>The total loan portfolio of ICICI Bank grew by 13.3% year-on-year and 2.1% sequentially at March 31, 2025. The net domestic loan portfolio increased by 13.9% year-on-year and 2.2% sequentially at March 31, 2025. The retail loan portfolio grew by 8.9% year-on-year and 2.0% sequentially. Including non-fund-based outstanding, the retail segment accounted for 43.8% of the total portfolio. The business banking portfolio recorded a strong growth of 33.7% year-on-year and 6.2% sequentially. The rural portfolio expanded by 5.1% year-on-year, while the domestic corporate portfolio grew by 11.9% year-on-year.</p><p>“Looking ahead, we see many opportunities to drive risk-calibrated profitable growth. We believe our focus on customer 360 degree, extensive franchise and collaboration within the organisation, backed by our focus on enhancing delivery systems and simplifying processes, will enable us to deliver holistic solutions to customers in a seamless manner and grow market share across key segments.” <strong>Bakhshi added.</strong></p>