ICICI Bank Q4 FY25: Strong Profit Growth, Stable Asset Quality

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ICICI Bank Q4 FY25 Results: Robust Profit Growth and Stable Asset Quality Shine

By S Jha

New Delhi, April 20, 2025: ICICI Bank, India’s second-largest private sector lender, reported a strong financial performance for the fourth quarter of the fiscal year 2024-25 (Q4 FY25).

The private banking behemoth came out with an 18 per cent year-on-year (YoY) surge in net profit to ₹12,630 crore, surpassing analyst expectations. The results, announced on Saturday, underscored the bank’s resilience amid economic uncertainties. The key highlights included improved profitability, stable asset quality, and a recommended dividend of ₹11 per share.

According to CNBC-TV18, “ICICI Bank reported a 13.2 per cent year-on-year increase in profit before tax excluding treasury, reaching ₹16,534 crore for the quarter ended March 31, 2025.”

Core operating profit for the quarter rose by 13.7 per cent to ₹17,425 crore. Profit after tax grew by 18.0 per cent year-on-year to ₹12,630 crore, said the business broadcaster in a report.

The bank’s net interest income (NII) climbed 11 per cent YoY to ₹21,193 crore, beating the CNBC-TV18 poll estimate of ₹20,853.6 crore.

Analysts on X echoed the positive sentiment. @thebigbulldeals highlighted the bank’s improved asset quality, with gross non-performing assets (NPA) dropping to 1.67 per cent from 1.96 per cent quarter-on-quarter (QoQ).

The Hindu BusinessLine noted, “ICICI Bank Q4 net profit up to ₹12,630 crore,” attributing the growth to stable loan and deposit expansion. The outlet also reported a 15.7% YoY jump in consolidated net profit to ₹13,502 crore, reflecting the bank’s diversified portfolio strength.

Growth in deposits and advances was another focal point. @Vismaya9999 on X stated, “ICICI Bank’s Q4 results — Deposits: +14% YoY / +5.9% QoQ. Advances: +13.9% YoY / +2.2% QoQ. PAT up 15.7% YoY to ₹13,502 cr,” while noting a slight moderation in growth momentum.

Business Standard had earlier projected a double-digit profit increase, stating, “ICICI Bank may see double digit growth in net profit during the March quarter… with a steady net interest margin (NIM) sequentially.”

The bank’s NIM stood at 4.41 per cent, up from 4.25 per cent QoQ, aligning with these expectations. Brokerage firms were optimistic pre-results.

Business Today quoted Equirus Securities forecasting NII at ₹20,715.3 crore and net profit at ₹11,959.7 crore, with “robust advances/deposit growth at 4%/4.5% QoQ.”

Kotak Institutional Equities anticipated a 10 per cent YoY pre-provisioning operating profit growth, emphasizing loan growth led by MSME segments. Asset quality improvements were a key highlight.

CNBC-TV18 reported, “Net NPA ratio was 0.39 per cent as of Q4; gross NPA additions were ₹5,142 crore in Q4. Recoveries and upgrades of NPAs, excluding write-offs and sales, were ₹3,817 crore.”

Provisions dropped 27 per cent QoQ to ₹890 crore, signaling confidence in credit quality. @InvestorOfJAMMUon X praised the results, noting, “ICICI Bank Good result. PAT increased by 15.7 per cent year-on-year to ₹13,502 crore.”

The bank’s strategic focus on retail and SME segments paid off, with retail loans forming 52.4 per cent of the total loan portfolio. Domestic advances grew 13.9 per cent YoY, while deposits rose 14 per cent YoY, as per CNBC-TV18. The bank added 241 branches, enhancing its physical presence.

However, analysts flagged areas to watch. Equirus Securities, cited by Business Today, noted, “Comments on unsecured retail asset quality, retail NIM, and credit demand shall be the key things to watch out.”

Kotak emphasized deposit rate cuts and their impact on NIM as critical discussion points. ICICI Bank’s Q4 FY25 performance has reinforced its position as a banking powerhouse, with analysts and investors lauding its consistent growth and prudent risk management.

As @REDBOXINDIA posted, “ICICI BANK: Q4 SL NET PROFIT 126.3B RUPEES VS 107B (YOY). Q4 GNPA 1.67% VS 1.96% (QOQ).” The bank’s outlook remains strong, with its dividend announcement signaling confidence in sustained profitability.

Disclaimer: Financial data and analyst opinions are sourced from media outlets and X posts for informational purposes. Investors should conduct their own research before making investment decisions.

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