Private sector lender ICICI Bank on Saturday reported a 15.5 per cent growth in its profit after tax (PAT) at Rs 12,768 crore in the April-June quarter of the current fiscal, compared to Rs 11,059 crore in the same period of the previous fiscal.
Its net interest income (NII) grew by 10.6 per cent year-on-year to Rs 21,635 crore from Rs 19,553 crore in the first quarter of the previous fiscal. Net interest margin (NIM) stood at 4.34 per cent compared to 4.36 per cent in the year ago period.
The lender’s fee income grew by 7.5 per cent year-on-year to Rs 5,900 crore from Rs 5,490 crore in the same quarter of the previous fiscal. Treasury gains were Rs 1,241 crore as compared to Rs 613 crore, primarily reflecting realised and mark-to-market gains in fixed income securities and equities.
The gross NPA (non-performing assets) ratio stood at 1.67 per cent compared to 2.15 per cent. The net NPA ratio was at 0.41 per cent compared to 0.43 per cent. Recoveries and upgrades of NPAs, excluding write-offs and sale, were Rs 3,211 crore as against Rs 3,292 crore in the year-ago period.
The bank wrote off gross NPAs amounting to Rs 2,359 crore in the reporting quarter. The provisioning coverage ratio on non-performing loans was 75.3 per cent at June 30, 2025.
Its total advances increased by 11.5 per cent year-on-year to Rs 13.64 lakh crore at June 30, 2025. The net domestic advances grew by 12 per cent year-on-year. The retail loan portfolio grew by 6.9 per cent year-on-year, and comprised 52.2 per cent of the total loan portfolio at June 30, 2025.
The bank’s total period-end deposits increased by 12.8 per cent year-on-year to Rs 16.08 lakh crore.
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Its total capital adequacy ratio at June 30, 2025 was 16.97 per cent and common equity tier 1 (CET-1) ratio was 16.31 per cent.
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