ICICI Bank Q1 Results: Net Profit Rises 15.5% YoY To Rs 12,768 Crore | Banking and Finance News

Last Updated:July 19, 2025, 15:58 IST

ICICI Bank Q1 Results: Its core net interest income increases 10.6 per cent to Rs 21,635 crore.

ICICI Bank Q1 Results.

ICICI Bank, India’s second-largest private sector lender, on Saturday reported a 1.55 per cent year-on-year rise in its net profit to Rs 12,768.21 crore for the June 2025 quarter. Its standalone total income rose to Rs 51,451.81 crore, compared to Rs 45,997.70 crore in the year-ago period. Other income surged to Rs 8,504.90 crore from Rs 7,001.92 crore a year earlier.

On a consolidated basis, ICICI Bank’s net profit rose 15.9 per cent to Rs 13,558 crore in the June quarter this fiscal. The lender had reported a net profit of Rs 11,696 crore in the year-ago period.

Its core net interest income increased 10.6 per cent to Rs 21,635 crore, while the other income, excluding treasury operations, recorded a 13.7 per cent surge to Rs 7,264 crore.

The net interest margin narrowed to 4.34 per cent from 4.41 per cent a quarter ago, it said.

The overall provisions, excluding the ones for taxes, came at Rs 1,815 crore compared to Rs 1.332 crore in the year-ago period, the bank said.

The gross non-performing assets ratio improved to 1.67 per cent as of June 30 from 2.15 per cent a year ago.

ICICI Bank’s core operating profit rose 13.6 per cent year-on-year to Rs 17,505 crore, while profit before tax (excluding treasury gains) increased 11.4 per cent YoY to Rs 15,690 crore in Q1.

As of June 30, 2025, total advances rose to Rs 13.64 lakh crore, while deposits grew 12.8 percent YoY to Rs 16.08 lakh crore. The average CASA ratio stood at 38.7 percent.

The bank’s capital adequacy ratio under Basel III norms stood at 16.31 percent, slightly lower than 16.55 percent in the March quarter.

The board also approved the acquisition of ICICI Prudential Pension Funds Management Company Limited (ICICI PFM) from ICICI Prudential Life Insurance Company, making it a wholly owned subsidiary of the bank. ICICI PFM had total assets of Rs 592.6 million and a net loss of Rs 35.4 million in FY25.

The transaction, considered a related party deal but to be executed at arm’s length, involves a cash consideration of Rs 203.5 crore and is subject to approvals from the RBI and PFRDA. The bank said this move aligns with its ‘Customer 360’ strategy and would enhance synergies in pension fund management.

Ahead of the results, shares of ICICI Bank on Friday rose 0.56 per cent to end at Rs 1,426.7 on the NSE.

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