ICICI Bank Limited — PPTs, 18-04-2026: Investor Presentation

**1. Business Performance:**

ICICI Bank had a strong Q4. Profit after tax rose 8.5% YoY to ₹ 13,702 crore. Core operating profit rose 5.1% YoY to ₹ 18,305 crore. Total loans grew 15.8% YoY to ₹ 15,53,893 crore, led by rural (+25.6%) and business banking (+24.4%). Deposits up 11.4% YoY to ₹ 17,94,625 crore.

**2. Growth Drivers or Strategy:**

The bank leverages a diversified loan book (50.4% retail). Digital platforms like InstaBIZ drive business banking. Credit card growth is supported by brand partnerships and UPI integration. ESG goals include carbon neutrality by FY2032.

**3. Recent Developments:**

Provisions dropped sharply to ₹ 96 crore in Q4. Key subsidiaries, including ICICI Prudential Life and ICICI Lombard General, posted solid growth in premiums and gross direct premium income.

**4. Key Financial Metrics:**

Net NPA ratio improved to 0.33%. Net Interest Margin (NIM) was 4.32%, Return on Average Assets (ROAA) 2.40%, and Weighted Average EPS ₹ 76.6. CET1 ratio remained robust at 16.35%.

**5. Management Commentary / Outlook:**

The Board declared a dividend of ₹ 12 per share. Consistent growth, improving asset quality, and strategic digital and ESG efforts signal a positive outlook for sustainable future growth.