ICICI Bank Q4 Result: Net profit rises 15.7% to Rs 13,502 crore; asset quality improves

ICICI Bank on Saturday, April 19, reported a 15.7% year-on-year rise in consolidated net profit for the quarter ended March 2025, reaching Rs 13,502 crore, compared to the same period last year. The robust performance was driven by a steady rise in core income and improved asset quality.

On a standalone basis, the lender's net profit rose 18% to Rs 12,630 crore in the January–March quarter, as against Rs 10,708 crore during the same period a year ago. The results underscore the bank’s consistent financial performance and its position as India’s second-largest private sector bank.

Core Income Maintains Strong Momentum

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ICICI Bank’s net interest income (NII), a key measure of its core banking operations, stood at Rs 21,193 crore, reflecting a 11% growth from Rs 19,093 crore in the March 2024 quarter. The rise indicates healthy credit demand and efficient lending practices.

Alongside interest income, the bank also saw strong gains in non-interest income (excluding treasury), which grew 18.4% to Rs 7,021 crore. This growth was driven by higher fee income, improved service charges, and other financial services.

Provisioning Remains Prudent

The bank allocated Rs 891 crore towards provisions and contingencies in the quarter, up from Rs 718 crore a year earlier. The rise in provisions remains moderate and reflects a cautious but controlled approach toward risk coverage, especially amid evolving macroeconomic conditions.

Asset Quality Strengthens Further

In a positive development, ICICI Bank’s gross non-performing asset (GNPA) ratio improved to 1.67% as of March 31, 2025, compared to 1.96% at the end of December 2024. The drop in bad loans is a result of focused recovery efforts and disciplined loan disbursal strategies.

Looking Ahead

The bank’s performance in Q4 highlights its strong financial discipline, diversified income streams, and effective credit management. As it closes the financial year on a high note, ICICI Bank is well-positioned to carry forward the momentum into FY26.

Backed by digital transformation, robust fundamentals, and a focus on sustainable growth, the lender remains a key player in India’s banking sector.