The consolidated profit after tax of the bank increased by 15.9% YoY to ₹13,558 crore.
| Photo Credit: FRANCIS MASCARENHAS
ICICI Bank, India’s second-largest private sector bank, for the first quarter ended June 30, reported a 15.5% growth in net profit to ₹12,768 crore compared with ₹11,059 crore a year earlier.
Net interest income (NI) increased by 10.6% Year on Year (YoY) to ₹ 21,635 crore from ₹19,553 crore a year earlier.
Net interest margin was 4.34% compared with 4.36% in the year ago period.
Treasury gains were ₹1,241 crore as compared with ₹613 crore a year ago primarily reflecting realised and mark-to-market gains in fixed income securities and equities.
Provisions (excluding provision for tax) were ₹1,815 crore and included the impact of release of Alternative Investment Fund (AlF)-related provisions of ₹389 crore.
The net domestic advances grew by 12% YoY. The retail loan portfolio grew by 6.9% YoY and comprised 52.2% of the total loan portfolio at June 30, 2025.
Including non-fund outstanding, the retail portfolio was 43.2% of the total portfolio at June 30, 2025. The business banking portfolio grew by 29.7% YoY, the bank said.
Total period-end deposits increased by 12.8% YoY to ₹16,08,517 crore.
The gross NPA additions were ₹6,245 crore in Q1-2026 compared with ₹5,916 crore in the year ago period.
Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹3,211 crore as compared with ₹3,292 crore a year ago.
The net additions to gross NPAs, excluding write-offs and sale, were ₹3,034 crore compared to ₹2,624 crore a year ago.
The bank has written-off gross NPAs amounting to ₹2,359 crore in the quarter.
The provisioning coverage ratio on non-performing loans was 75.3% at June 30.
Excluding NPAs, the total fund based outstanding to all borrowers under resolution as per the various extant regulations/guidelines declined to ₹1,788 crore or about 0.1% of total advances at June 30, 2025 compared to ₹1,956 crore at March 31, 2025 and ₹2,735 crore at June 30, 2024.
At June 30, 2025, the bank holds total provisions, other than specific provisions on fund-based outstanding to borrowers classified as non-performing, amounting to ₹22,664 crore.
These provisions include the contingency provisions of ₹13,100 crore as well as general provision on standard assets, provisions held for non-fund based outstanding to borrowers classified as non-performing, loan and non-fund based outstanding to standard borrowers under resolution and the BB and below portfolio.
Including profits for Q1-2026, the bank’s total capital adequacy ratio at June 30, 2025 was 16.97%. The consolidated profit after tax of the bank increased by 15.9% YoY to ₹13,558 crore. Consolidated assets grew by 10.9% YoY to ₹26,68,636 crore.
Published – July 19, 2025 06:53 pm IST
