ICICI Bank (ICICIBANK) AGM 2025 Presentation summary

Strategic principles and business approach

• Focus on maximizing profit before tax, quality, and process simplification while maintaining integrity and compliance.

• Emphasis on customer-centricity, agile risk management, and collaborative ecosystems.

Financial performance FY2025

• Profit before tax (excluding treasury) rose to ₹607.13 billion; profit after tax reached ₹424.73 billion.

• Total deposits increased by 14.0% year-on-year to ₹16,103.48 billion; term deposits up 14.6%.

• Average CASA deposits grew 10.6% year-on-year.

• Total advances grew by 13.3% year-on-year to ₹13,417.66 billion.

Asset quality and capital position

• Gross NPAs declined to ₹241.66 billion; net NPA ratio improved to 0.39%.

• Provision coverage ratio stood at 76.2% as of March 31, 2025.

• Maintained strong capital adequacy with total CAR at 17.60% and CET-1 ratio at 15.94%.

• Board recommended a dividend of ₹11 per share for FY2025.