ICICI Bank Q4 Results 2025: Net Profit Surges 18% to ₹12,630 Crore, ₹11 Per Share Dividend Declared

ICICI Bank Q4 Results 2025: Net Profit Surges 18% to ₹12,630 Crore, ₹11 Per Share Dividend Declared

ICICI Bank has announced its Q4 results for FY25, showing impressive growth and a strong financial performance. The private sector lender reported a 18% year-on-year increase in its profit after tax, which stood at ₹12,630 crore (US$ 1.5 billion) for the quarter ended March 31, 2025. This marks a solid finish for the bank in FY25, reflecting robust growth across key segments, including loans, deposits, and core operating profits.

Steady Performance and Strong Core Operating Profit

The bank’s core operating profit for the quarter rose by 13.7%, reaching ₹17,425 crore (US$ 2.0 billion). This growth was driven by healthy loan and deposit growth, with a significant increase in current account savings account (CASA) balances. The profit before tax (excluding treasury income) rose by 13.2% YoY, reaching ₹16,534 crore (US$ 1.9 billion), highlighting ICICI Bank's strong operational efficiency and strategic expansion.

For the full fiscal year FY25, ICICI Bank's profit before tax (excluding treasury) rose by 11.4% to ₹60,713 crore (US$ 7.1 billion), and the core operating profit grew by 12.5% to ₹65,396 crore (US$ 7.6 billion). The net profit for the entire year surged by 15.5%, reaching ₹47,227 crore (US$ 5.5 billion).

Dividend Declaration

The ICICI Bank Board of Directors has recommended a dividend of ₹11 per share for FY25, reflecting the bank's strong financial position and its commitment to rewarding shareholders. The dividend is subject to requisite approvals and will be paid at a later date.

Key Performance Indicators: Loan & Deposit Growth

As of Q3 FY25, ICICI Bank reported a 14.1% YoY increase in deposits, reaching ₹15.2 lakh crore. The advances grew by 13.9% YoY, touching ₹13.1 lakh crore, further indicating the bank's expansion in both retail and corporate banking sectors. The CASA ratio stood at 40.5%, showcasing a solid foundation in low-cost deposits.

Market Expectations

Analysts had anticipated a solid performance for ICICI Bank in Q4 FY25, with net interest income (NII) estimated to rise by 9.2% YoY to ₹20,853 crore, and net profit projected to grow by 11.7% YoY. The bank’s net interest margin (NIM), however, showed slight contraction but remains stable overall, reflecting its strong asset management strategies.

With continued strong growth in key financial metrics, ICICI Bank remains one of the leading private banks in India, positioning itself well for future success in a competitive market.