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The country's second-largest private sector lender, ICICI Bank Ltd, on Saturday (April 19) reported an 18% year-on-year (YoY) rise in net profit at ₹12,630 crore for the fourth quarter that ended March 31, 2025. In the corresponding quarter of the previous fiscal, ICICI Bank posted a net profit of ₹10,707 crore, the bank said in a regulatory filing. The CNBC-TV18 poll had predicted a profit of ₹11,956.
4 crore for the quarter under review. Net interest income (NII), which is the difference between the interest income a bank earns from its lending activities and the interest it pays to depositors, increased 11%, coming at ₹21,193 crore against ₹19,092.8 crore in the corresponding quarter of FY24.
The CNBC-TV18 poll had predicted a Net interest income of ₹20,853.6 crore for the quarter under review. Asset quality Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹ 3,817 crore (US$ 447 million) in Q4-2025 compared to ₹3,392 crore in Q3-2025.
The net additions to gross NPAs, excluding write-offs and sale, were ₹ 1,325 crore (US$ 155 million) in Q4-2025 compared to ₹ 2,693 crore (US$ 315 million) in Q3-2025. The bank has written off gross NPAs amounting to ₹2,118 crore in Q4-2025. There was the sale of NPAs of ₹2,786 crore in Q4-2025, which consists of ₹1,605 crore of security receipts and ₹ 314 crore (US$ 37 million) in cash.
The Bank continues to hold 100% provisions against these security receipts. The provisioning coverage ratio on non-performing loans was 76.2% as of March 31, 2025.
The gross non-performing asset (GNPA) stood at 1.67% in the March quarter against 1.96% in the December quarter.
Net NPA came at 0.39% against 0.42% quarter-on-quarter.
In monetary terms, gross NPA stood at ₹24,166.2 crore against ₹27,745.3 crore quarter-on-quarter, whereas net NPA came at ₹5,589.
4 crore against ₹5,897.8 crore quarter-on-quarter. The board has recommended a dividend of ₹11 per share (equivalent to a dividend of $0.
26 per ADS) in line with applicable guidelines. The declaration of dividends is subject to requisite approvals. The record/book closure dates will be announced in due course.
Deposit growth Total period-end deposits increased by 14.0% year-on-year and 5.9% sequentially to ₹16,10,348 crore at March 31, 2025.
Average deposits increased by 11.4% year-on-year and 1.9% sequentially to ₹14,86,635 crore in Q4-2025.
Average current account deposits increased by 9.6% year-on-year and 1.4% sequentially in Q4-2025.
Average savings account deposits increased by 10.1% year-on-year and 0.2% sequentially in Q4-2025.
With the addition of 241 branches during Q4-2025, the Bank had a network of 6,983 branches and 16,285 ATMs & cash recycling machines as of March 31, 2025. The results came after the close of the market hours. On Thursday (April 17), shares of ICICI Bank Ltd ended at ₹1,406.
65, up by ₹49.90, or 3.68% on the BSE.
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