ICICI Bank Financial Highlights FY2025 | Deposits, Loans, Profit & Capital

Integrated Report
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- Independent Auditors’ Report – Financial Statements
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- Profit and Loss Account
- Cash Flow Statement
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- Consolidated Balance Sheet
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- Statement Pursuant to Section 129 of Companies Act, 2013
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FINANCIAL HIGHLIGHTS

Stacked bar and line chart showing Total Deposits (₹ in billion) from March 2021 to March 2025. Deposits are divided into Current Account, Savings Account, and Term Deposit. In March 2021: Current Account ₹1,361.70, Savings ₹2,954.53, Term Deposit ₹5,008.99, Total ₹9,325.22. In March 2022: Current ₹1,584.80, Savings ₹3,599.57, Term ₹5,461.35, Total ₹10,645.72. In March 2023: Current ₹1,614.86, Savings ₹3,797.76, Term ₹6,395.79, Total ₹11,808.41. In March 2024: Current ₹1,935.72, Savings ₹4,023.00, Term ₹8,169.53, Total ₹14,128.25. In March 2025: Current ₹2,329.57, Savings ₹4,407.72, Term ₹9,366.19, Total ₹16,103.48. The chart shows steady growth in deposits over five years, with Term Deposits forming the largest component

The chart shows Loans & Advances (₹ in billion) from March 2021 to March 2025, divided into Retail, Rural Loans, Business Banking, Domestic Corporate & Others, and Overseas. In March 2021, total loans were ₹7,337.29 billion, with Retail at 51.3%, Rural Loans at 7.9%, Business Banking at 12.3%, Domestic Corporate & Others at 23.4%, and Overseas at 5.1%. In March 2022, total loans increased to ₹8,590.20 billion, with Retail at 52.5%, Rural Loans at 6.7%, Business Banking at 14.5%, Domestic Corporate & Others at 21.5%, and Overseas at 4.8%. In March 2023, total loans rose to ₹10,196.38 billion, with Retail at 54.2%, Rural Loans at 6.2%, Business Banking at 15.6%, Domestic Corporate & Others at 20.6%, and Overseas at 3.3%. In March 2024, total loans reached ₹11,844.06 billion, with Retail at 55.6%, Rural Loans at 6.3%, Business Banking at 16.6%, Domestic Corporate & Others at 18.6%, and Overseas at 2.8%. By March 2025, total loans climbed to ₹13,417.66 billion, with Retail at 53.5%, Rural Loans at 5.8%, Business Banking at 19.6%, Domestic Corporate & Others at 18.8%, and Overseas at 2.3%. The trend highlights strong overall growth in loans over the five-year period, with Retail consistently remaining the largest segment while Overseas loans declined steadily.

The chart shows Net Worth (₹ in billion) from March 2021 to March 2025, including Equity Share Capital, Employees Stock Options/Units Outstanding, Reserves, and Surplus. In March 2021, Net Worth was ₹1,475.09 billion. It increased to ₹1,705.12 billion in March 2022, then rose further to ₹2,007.16 billion in March 2023, and ₹2,383.99 billion in March 2024. By March 2025, Net Worth reached ₹2,920.77 billion. The chart highlights consistent year-on-year growth in Net Worth over the five-year period.

The chart shows Capital Adequacy ratios from March 2021 to March 2025, split into Tier I, Tier II, Common Equity Tier I, and Total Capital Adequacy. In March 2021, the total ratio was 19.12%, with Tier I at 18.06%, Tier II at 1.06%, and Common Equity Tier I at 16.80%. In March 2022, total was 19.16%, with Tier I at 18.35%, Tier II at 0.81%, and Common Equity Tier I at 17.60%. In March 2023, total was 18.34%, with Tier I at 17.60%, Tier II at 0.74%, and Common Equity Tier I at 17.12%. In March 2024, total was 16.33%, with Tier I at 15.60%, Tier II at 0.73%, and Common Equity Tier I also at 15.60%. By March 2025, total was 16.55%, with Tier I at 15.94%, Tier II at 0.61%, and Common Equity Tier I at 15.94%. The chart highlights a gradual decline in capital adequacy ratios after 2022, followed by a slight recovery in 2025, with Tier I consistently forming the largest component.

The chart shows Net Interest Income (NII in ₹ billion) and Net Interest Margin (NIM in %) from FY2021 to FY2025. In FY2021, NII was ₹389.89 billion with a NIM of 3.69%. In FY2022, NII rose to ₹474.66 billion and NIM improved to 3.96%. In FY2023, NII increased further to ₹621.29 billion with NIM at 4.48%. In FY2024, NII reached ₹743.06 billion and NIM peaked at 4.53%. By FY2025, NII rose to ₹811.65 billion, while NIM slightly declined to 4.32%. The chart highlights steady growth in NII over five years, with NIM showing gradual improvement until FY2024 before a small dip in FY2025.

The chart shows Gross NPAs (₹ in billion) and Net NPA Ratio (%) from March 2021 to March 2025. In March 2021, Gross NPAs were ₹413.73 billion with a Net NPA Ratio of 1.1%. In March 2022, Gross NPAs reduced to ₹339.20 billion with a ratio of 0.8%. In March 2023, Gross NPAs further decreased to ₹311.84 billion with a ratio of 0.5%. In March 2024, Gross NPAs dropped to ₹279.62 billion with the ratio at 0.4%. By March 2025, Gross NPAs stood at ₹241.66 billion with the ratio steady at 0.4%. The chart highlights a consistent decline in Gross NPAs over five years, alongside a reduction in the Net NPA Ratio, showing improved asset quality.

The chart shows Profit Before Tax excluding Treasury Income (₹ in billion) from FY2021 to FY2025. In FY2021, profit was ₹151.37 billion. It rose to ₹297.06 billion in FY2022, ₹424.73 billion in FY2023, and ₹544.79 billion in FY2024. By FY2025, profit reached ₹607.13 billion. The chart highlights strong year-on-year growth in profit before tax, more than quadrupling between FY2021 and FY2025.

The chart shows Standalone Net Profit (₹ in billion) from FY2021 to FY2025. In FY2021, net profit was ₹161.93 billion. It increased to ₹233.39 billion in FY2022, ₹318.96 billion in FY2023, and ₹408.88 billion in FY2024. By FY2025, standalone net profit reached ₹472.27 billion. The chart highlights consistent year-on-year growth, with profits nearly tripling over the five-year period.

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