ICICI Bank Limited, one of India’s leading private sector banks, held its 31st Annual General Meeting (AGM) on 30th August 2025, where Managing Director & CEO Mr. Sandeep Bakhshi presented a comprehensive performance update for FY2025 and the outlook for the future. The presentation also highlighted the Bank’s strong financial results, asset quality improvements, growth momentum, and ESG initiatives.

Profitability & Financial Strength

ICICI Bank reported a disciplined focus on profitability while maintaining strong compliance and risk controls.

• Profit before tax (excluding treasury): ₹472.27 billion in FY2025, up sharply from ₹161.93 billion in FY2021.

• Profit after tax (PAT): ₹607.13 billion in FY2025, growing significantly over the past five years (FY2021: ₹151.37 billion).

This robust performance reflects a consistent compound growth trajectory, driven by retail banking, corporate lending, and digital transformation initiatives.

Deposits & Advances Growth

• Total deposits grew 14.0% YoY, reaching ₹5,606.25 billion as of March 31, 2025.

• Term deposits grew 14.6% YoY, while CASA deposits averaged ₹16,103.48 billion in FY2025, recording a 10.6% YoY growth.

• Total advances expanded 13.3% YoY to ₹13,417.66 billion, led by retail (19.6% share), rural, and business banking segments.

Asset Quality & Risk Management

• Gross NPAs fell to ₹241.66 billion in FY2025 (down from ₹413.73 billion in FY2021).

• Net NPA ratio: improved to 0.39%, compared to 1.14% in FY2021.

• Provision Coverage Ratio (PCR): healthy at 76.2%, underscoring prudent risk management.

Dividend & Capital Adequacy

The Board recommended a dividend of ₹11 per share for FY2025.

• CET-1 ratio: 15.94% after accounting for the proposed dividend.

• Overall capital adequacy ratio: remained strong, ensuring resilience for future growth.

Q1 FY2026 Highlights

• Deposits: grew 12.8% YoY to ₹16,085.17 billion as of June 30, 2025.

• Advances: increased 11.5% YoY to ₹13,641.57 billion.

• Profit before tax (ex-treasury): ₹156.90 billion, up 11.4% YoY.

• PAT: ₹127.68 billion, up 15.5% YoY.

• Net NPA ratio: 0.41%, with a contingency provision of ₹131.00 billion (1.0% of advances).

• Capital adequacy ratio: 16.97% (CET-1: 16.31%).

ESG Commitments

ICICI Bank reiterated its focus on sustainability and social responsibility:

• Environment: 38% of electricity consumption from renewable sources; roadmap to become carbon neutral in Scope 1 & 2 emissions by 2032. Planted 1.2 million trees in FY2025 (4.9 million since FY2022).

• Social: CSR activities across healthcare, environment, livelihood, and social interventions impacted 18.9 million individuals till March 2025. Enhanced commitment to Tata Memorial Centre’s cancer care facilities to over ₹18 billion.

• Governance: ESG oversight by the Board’s Risk Committee and an executive-level ESG Steering Committee. Extensive digital campaigns for cybersecurity and fraud awareness.

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