ICICI Bank Limited — PPTs, 25-01-2025: Investor Presentation

**Financial Highlights:**

Profit before tax excluding treasury increased by 12.8% year-on-year (y-o-y) and 3.2% quarter-on-quarter (q-o-q) to ₹152.89 billion for Q3-2025. Core operating profit rose by 13.1% y-o-y and 2.9% q-o-q to ₹165.16 billion. Profit after tax surged 14.8% y-o-y to ₹117.92 billion. Average deposits expanded by 13.7% y-o-y, while domestic loans grew by 15.1% y-o-y.

**Strategic Initiatives and Growth Drivers:**

The bank maintained a robust focus on deposit growth, with savings and current account deposits climbing by 12.3% and 13.1% y-o-y, respectively. Business banking saw impressive growth of 31.9% y-o-y, reflecting strong demand in this segment.

**Business Developments:**

ICICI Bank reported net additions to gross non-performing assets (NPAs) of ₹26.93 billion for the quarter. The net NPA ratio remains stable at 0.42%. The contingency provision stood at ₹131 billion, indicating a proactive risk management approach.

**Market Position and Competitive Advantage:**

ICICI Bank's strong performance in retail and business banking sectors underlines its competitive positioning, with the bank being well capitalized as indicated by a Common Equity Tier 1 ratio of 15.93%.

**Investor Implications:**

Strong growth in profitability and deposits positions ICICI Bank favorably in the banking sector. The continued focus on improving asset quality and managing reserves suggests a positive outlook for shareholders, with potential for sustained growth amid a competitive landscape.