ICICI Bank Q4 FY2025 Results: 18% YoY PAT Growth & Strong Advances

ICICI Bank posted a profit after tax of ₹ 12,630 cr in Q4 FY2025, up 18% year‑on‑year from ₹ 10,708 cr in Q4 FY2024². Net interest income rose to ₹ 21,193 cr, an 11% increase YoY⁴.

1. Profitability and Income Growth

• Profit after tax jumped 18.0% YoY to ₹ 12,630 cr².
• FY2025 full‑year PAT was ₹ 47,227 cr, up 15.5% YoY².
• Net interest margin stood at 4.41% in Q4, compared to 4.25% in Q3 FY2025⁴.

2. Credit & Deposit Momentum

• Net domestic advances grew 13.9% YoY to ₹ 13,41,766 cr and 2.2% sequentially².
• Total period‑end deposits rose 14.0% YoY to ₹ 16,10,348 cr and 5.9% QoQ².
• Credit/deposit ratio was 82.4% at quarter‑end³.

3. Asset Quality

• Gross NPA ratio improved to 1.67% (Dec 24: 1.96%), net NPA to 0.39% (Dec 24: 0.42%)².
• GNPA additions moderated to ₹ 5,142 cr in Q4 vs. ₹ 6,085 cr in Q3 FY2025².
• This improvement bolstered investor confidence and drove the stock to a record high¹.

4. Capital & Network Expansion

• Total capital adequacy ratio was 16.55%, CET‑1 at 15.94% vs. regulatory 11.70%/8.20% thresholds².
• The Board recommended a dividend of ₹ 11 per share².
• Branch network expanded by 241 branches to 6,983, and ATMs to 16,285 units³.

5. Subsidiary Performance & Consolidation

• Consolidated PAT rose 15.7% YoY to ₹ 13,502 cr².
• ICICI Prudential Life’s VNB was ₹ 2,370 cr in FY2025 (VNB margin 22.8%)².
• ICICI Lombard General’s PAT grew 30.7% to ₹ 2,508 cr in FY2025².

📈 Outlook

Strong loan and deposit momentum, improving asset quality, and robust capital buffers position ICICI Bank for continued growth in FY2026¹.

References

1. Reuters: India’s ICICI Bank & HDFC Bank climb as earnings beat boosts confidence in growth & asset quality
2. ICICI Bank: Performance Review for quarter ended March 31, 2025 (PDF)
3. ICICI Bank: Investor Presentation on Performance Review Q4 2025 (PDF)
4. Moneycontrol: Net interest income up 11% YoY to ₹ 21,193 cr in Q4 FY25
5. Moneycontrol: Net profit up 18% YoY at ₹ 12,630 cr; ₹ 11 dividend declared
6. Economic Times: ICICI Bank shares soar to 52‑week high after robust Q4 FY25 performance
7. LiveMint: ICICI Bank Q4 profit rises 18% YoY, NIM at 4.41%
8. Business Today: ICICI Bank shares hit 52‑week high post Q4 results; m‑cap tops ₹ 10 lakh crore