Meanwhile, for the full financial year 2025, the profit after tax grew by 15.5% year-on-year to Rs 47,227 crore. Additionally, ICICI Bank declared a dividend of Rs 11 per share.
The bank’s net interest margin (NIM) stood at 4.41% in Q4FY25, compared to 4.25% in Q3FY25 and 4.40% in Q4FY24. For the full year FY25, the NIM was 4.32%.
The bank’s total period-end deposits grew 14% YoY to Rs 16.10 lakh crore as of March 31, 2025, while average deposits increased 11.4% to Rs 14.86 lakh crore in Q4FY25. The average CASA (current and savings account) ratio stood at 38.4% during the quarter.
On the lending side, the domestic loan portfolio expanded by 13.9% YoY to nearly Rs 13.11 lakh crore.
The retail loan portfolio grew by 8.9% year-on-year and 2% sequentially, and comprised 52.4% of the total loan portfolio at March 31, 2025.Provisions (excluding provision for tax) stood at Rs 891 crore in Q4FY25, compared to Rs 718 crore in Q4FY24 and Rs 1,227 crore in Q3FY25.The bank’s net non-performing asset (NPA) ratio improved to 0.39% as of March 31, 2025, down from 0.42% as of December 31, 2024. Further, the gross NPA ratio was 1.67% at March 31, 2025 compared to 1.96% at December 31, 2024.
ICICI Bank reported a total capital adequacy ratio of 16.55% and the provisioning coverage ratio on non-performing loans stood at 76.2%.
On Thursday, the shares of ICICI Bank closed 3.7% higher at Rs 1,406.65 on the BSE.
