ICICI Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

41,757.95

42,946.91

42,430.80

41,299.82

40,537.38

38,995.78

37,948.36

Income On Investments

8,459.54

8,712.84

8,210.18

8,302.14

8,311.33

8,156.58

7,782.01

Interest On Balances With Rbi Other Inter Bank Funds

646.99

767.40

706.12

489.59

517.11

443.00

430.16

Interest / Discount On Advances / Bills

32,183.68

32,542.92

32,821.33

32,048.40

31,426.45

30,108.54

29,423.40

Others

467.74

923.75

693.17

459.69

282.49

287.66

312.79

Other Income

7,575.54

8,504.90

7,260.07

7,068.05

7,176.66

7,001.92

5,648.78

Total Income

49,333.49

51,451.81

49,690.87

48,367.87

47,714.04

45,997.70

43,597.14

Interest Expended

20,228.49

21,312.45

21,237.86

20,929.21

20,489.40

19,442.87

18,855.56

Net Interest Income

21,529.46

21,634.46

21,192.94

20,370.61

20,047.98

19,552.91

19,092.80

Total Expenditure (Excl Depreciation)

11,807.04

11,393.52

10,788.76

10,552.11

10,501.46

10,529.99

9,702.83

Employee Cost

4,341.84

4,743.08

4,105.18

3,929.05

4,136.14

4,370.51

3,720.24

Other Operating Expenses

7,465.20

6,650.44

6,683.58

6,623.06

6,365.32

6,159.48

5,982.59

Operating Profit Before Provisions and Contingencies

17,297.96

18,745.84

17,664.25

16,886.55

16,723.18

16,024.84

15,038.75

Exceptional Items

0.00

Provisions and contingencies

914.11

1,814.57

890.70

1,226.65

1,233.09

1,332.18

718.49

Profit Before Tax

16,383.85

16,931.27

16,773.55

15,659.90

15,490.09

14,692.66

14,320.26

Tax

4,024.96

4,163.06

4,143.97

3,867.48

3,744.21

3,633.55

3,612.73

Profit After Tax

12,358.89

12,768.21

12,629.58

11,792.42

11,745.88

11,059.11

10,707.53

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

12,358.89

12,768.21

12,629.58

11,792.42

11,745.88

11,059.11

10,707.53

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

17.3

17.89

17.73

16.7

16.67

15.72

15.25

Diluted Earnings per share

17.06

17.63

17.6

16.45

16.4

15.46

14.99

Operating Profit Margin (Excl OI)

69.54%

69.25%

72.47%

71.48%

71.05%

69.58%

72.54%

Gross Profit Margin

39.24%

39.42%

39.53%

37.92%

38.21%

37.68%

37.74%

PAT Margin

29.6%

29.73%

29.77%

28.55%

28.98%

28.36%

28.22%

Net Interest Margin

4.3%

4.34%

4.41%

4.25%

4.27%

4.36%

4.4%

Return on Assets

0.0%

CASA (%)

39.2%

38.7%

38.4%

39.0%

38.9%

39.6%

38.9%

CASA Amount

6,58,871.00

6,62,813.00

6,73,729.00

6,15,586.00

6,08,723.00

5,83,671.00

5,95,872.00

Capital Adequacy Ratio (Total)

15.76%

16.31%

16.55%

14.71%

15.35%

15.96%

16.33%

Capital Adequacy Ratio (Tier 1)

15.11%

15.65%

15.94%

14.04%

14.65%

15.24%

15.6%

Provision Coverage Ratio (%)

75.0%

75.3%

76.2%

78.2%

78.5%

79.7%

80.3%

Amount of Gross NPAs

23,850.00

24,732.65

24,166.18

27,745.33

27,121.15

28,718.63

27,961.68

Amount of Net NPAs

5,827.00

5,971.09

5,589.41

5,897.76

5,685.14

5,684.79

5,377.79

% of Net NPAs

0.39%

0.41%

0.39%

0.42%

0.43%

0.42%

% of Gross NPAs

1.58%

1.67%

1.96%

1.97%

2.15%

2.16%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

10610.0

13376.0

16285.0

16277.0

16120.0

17102.0

17190.0

Number of Branches

7246.0

7066.0

6983.0

6742.0

6613.0

6587.0

6523.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -2.77% vs 1.22% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is -3.21% vs 1.10% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -7.72% vs 6.12% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.02% vs 0.02% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.09% vs 0.00% in Jun 2025

Compare Quarterly Results Of ICICI Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

41,757.95

76,690.70

-34,932.75

-45.55%

Income On Investments

8,459.54

15,285.48

-6,825.94

-44.66%

Interest On Balances With Rbi Other Inter Bank Funds

646.99

554.79

92.20

16.62%

Interest / Discount On Advances / Bills

32,183.68

59,264.81

-27,081.13

-45.7%

Others

467.74

1,585.62

-1,117.88

-70.5%

Other Income

7,575.54

14,350.02

-6,774.48

-47.21%

Total Income

49,333.49

91,040.72

-41,707.23

-45.81%

Interest Expended

20,228.49

45,139.20

-24,910.71

-55.19%

Net Interest Income

21,529.46

31,551.50

-10,022.04

-31.76%

Total Expenditure (Excl Depreciation)

11,807.04

17,977.92

-6,170.88

-34.32%

Employee Cost

4,341.84

6,461.29

-2,119.45

-32.8%

Other Operating Expenses

7,465.20

11,516.63

-4,051.43

-35.18%

Operating Profit Before Provisions and Contingencies

17,297.96

27,923.60

-10,625.64

-38.05%

Exceptional Items

0.00

Provisions and contingencies

914.11

3,500.53

-2,586.42

-73.89%

Profit Before Tax

16,383.85

24,423.07

-8,039.22

-32.92%

Tax

4,024.96

5,781.79

-1,756.83

-30.39%

Profit After Tax

12,358.89

18,641.28

-6,282.39

-33.7%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

12,358.89

18,641.28

-6,282.39

-33.7%

Face Value

2.00

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

17.30

12.13

5.17

42.62%

Diluted Earnings per share

17.06

12.09

4.97

41.11%

Operating Profit Margin (Excl OI)

69.54%

71.99%

0.00

-2.45%

Gross Profit Margin

39.24%

31.85%

0.00

7.39%

PAT Margin

29.60%

24.31%

0.00

5.29%

Net Interest Margin

4.30%

3.27%

1.03

1.03%

Return on Assets

0.00%

0.49%

-0.49

-0.49%

CASA (%)

39.20%

34.00%

5.20

5.20%

CASA Amount

6,58,871.00

9,49,100.00

-2,90,229.00

-30.58%

Capital Adequacy Ratio (Total)

15.76%

19.96%

-4.20

-4.20%

Capital Adequacy Ratio (Tier 1)

15.11%

17.90%

-2.79

-2.79%

Provision Coverage Ratio (%)

75.00%

67.00%

8.00

8.00%

Amount of Gross NPAs

23,850.00

34,289.48

-10,439.48

-30.45%

Amount of Net NPAs

5,827.00

11,447.29

-5,620.29

-49.1%

% of Net NPAs

0.39%

0.42%

-0.03

-0.03%

% of Gross NPAs

1.58%

1.24%

0.34

0.34%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

10,610.00

21,417.00

-10,807.00

-50.46%

Number of Branches

7,246.00

9,545.00

-2,299.00

-24.09%

Quarterly - Interest Earned

Interest Earned 41757.95 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -2.77% vs 1.22% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 3.01% vs 16.09% in Sep 2024

Quarterly - Net Profit

Net Profit 12,358.89 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -3.21% vs 1.10% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 5.22% vs 14.47% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 17,297.96 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -7.72% vs 6.12% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 3.44% vs 17.53% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.39%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.02% vs 0.02% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.03% vs -0.01% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 1.58%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.09% vs 0.00% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.39% vs -0.51% in Sep 2024