ICICI Bank Q4 Result: PAT Up 18% YoY To Rs 12,630 Cr Backed By Strong Interest Income; Asset Quality Improves

The standalone and consolidated results for the quarter ending March 31, 2025 (Q4-2025) and the year ending March 31, 2025 (FY2025) have been issued by ICICI Bank today. The bank's net profit increased by 15.5% YoY to Rs 47,227 crore in FY2025 from Rs 40,888 crore in the year ended March 31, 2024 (FY2024), while its profit after tax improved by 18.0% YoY to Rs 12,630 crore in Q4FY25 from Rs 10,708 crore in Q4-FY24.

The bank's profit before tax increased from Rs 14,321 crore in Q4 2024 to Rs 16,773 crore in Q4 2025, a 17.1% YoY growth. According to ICICI Bank, its net interest income (NII) climbed from Rs 19,093 crore in Q4FY24 to Rs 21,193 crore in Q4FY25, an 11.0% year-on-year gain. The net interest margin of ICICI Bank was 4.41% in Q4 2025 as opposed to 4.25% in Q3 2025 and 4.40% in Q4 2024. In FY2025, the net interest margin was 4.32%. Excluding treasuries, the bank's non-interest income climbed 18.4% year on year to Rs 7,021 crore in Q4FY25 from Rs 5,930 crore in Q4FY24.

According to ICICI Bank, its core operating profit grew from Rs 15,320 crore in Q4FY24 to Rs 17,425 crore in Q4FY25, a 13.7% year-on-year growth. In Q4 2025, ICICI Bank made provisions of Rs 891 crore, up from Rs 718 crore in Q4 2024 and Rs 1,227 crore in Q3 2025.

As of March 31, 2025, the bank's net domestic advances increased 2.2% sequentially and 13.9% year on year. As of March 31, 2025, the bank's retail loan portfolio accounted for 52.4% of its overall loan portfolio, growing by 8.9% year on year and 2.0% sequentially. At March 31, 2025, ICICI Bank's total advances climbed by 2.1% sequentially and 13.3% annually to Rs 13,41,766 crore.

At March 31, 2025, total period-end deposits had grown by 14.0% year-on-year and 5.9% sequentially to Rs 16,10,348 crore. In Q42025, average deposits were Rs 14,86,635 crore, up 1.9% sequentially and 11.4% year on year. In Q4 2025, average current account deposits rose 1.4% sequentially and 9.6% year on year. In Q4 2025, average savings account deposits rose by 0.2% sequentially and 10.1% annually.

On March 31, 2025, the gross non-performing asset ratio was 1.67%, whereas on December 31, 2024, it was 1.96%. On March 31, 2025, the net NPA ratio was 0.39%, whereas on December 31, 2024, it was 0.42%. In Q4 2025, the gross non-performing assets (NPA) additions were Rs 5,142 crore, whereas in Q3 2025, they were Rs 6,085 crore. With write-offs and sales excluded, NPA recoveries and upgrades were Rs 3,817 crore in Q4 2025, up from Rs 3,392 crore in Q3 2025. With write-offs and sales excluded, the net additions to gross non-performing assets (NPAs) in Q4 2025 were Rs 1,325 crore, while in Q3 2025 they were Rs 2,693 crore.

"The Board has recommended a dividend of Rs 11 per share (equivalent to dividend of US$ 0.26 per ADS) in line with applicable guidelines. The declaration of dividend is subject to requisite approvals. The record/book closure dates will be announced in due course," said ICICI Bank in a stock exchange filing.

In Q4 2025, the consolidated profit after tax was Rs 13,502 crore, up 15.7% from Q4 2024's Rs 11,672 crore. The bank's total assets increased from Rs 23,64,063 crore on December 31, 2024, to Rs 26,42,241 crore on March 31, 2025, an 11.8% year-on-year growth. The bank has 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.