ICICI Bank (ICICIBANK) Q4 24/25 earnings summary

Executive summary

• Profit after tax for Q4-2025 rose 18% year-over-year to ₹12,629.58 crore (₹126.3 billion), with FY2025 net profit at ₹47,226.99 crore, up 15.5% from FY2024.

• Core operating profit increased 13.7% year-over-year to ₹17,425 crore (₹174.25 billion) in Q4-2025.

• Total deposits grew 14% year-over-year and domestic loans rose 13.9% as of March 31, 2025.

• Asset quality improved, with net NPA ratio at 0.39% and provision coverage at 76.2% at March 31, 2025.

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

Financial highlights

• Net interest income for Q4-2025 was ₹21,193 crore (₹211.93 billion), up 11% year-over-year; non-interest income grew 18.4%.

• Operating profit before provisions for Q4-2025 was ₹17,664.25 crore, up from ₹15,038.75 crore in Q4-2024.

• Return on average assets improved to 2.49% in Q4-2025; standalone return on equity was 18.2%.

• Basic EPS for FY2025 was ₹67.01, up from ₹58.38 in FY2024; diluted EPS was ₹65.89.

• Provisions for Q4-2025 were ₹8.91 billion, representing 0.27% of average advances.

Outlook and guidance

• Focus remains on risk-calibrated profitable growth, leveraging technology, people, and distribution.

• Management expects healthy growth in business banking and stabilization in retail loan growth as rate environment evolves.

• Forward-looking statements highlight risks from regulatory changes, economic conditions, interest rates, and asset quality.

• The Board’s dividend recommendation signals confidence in future performance.