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ICICI Bank Ltd. engages in the provision of banking and financial services, which includes retail banking, corporate banking, and treasury operations. The company is headquartered in Mumbai, Maharashtra and currently employs 126,660 full-time employees. The Bank is engaged in providing a range of banking and financial services, including commercial banking and treasury operations. The Bank has six segments. Retail banking segment includes income from credit cards, debit cards, third party product distribution and the associated costs. Wholesale banking segment includes all advances to trusts, partnership firms, companies and statutory bodies. Treasury segment primarily includes the entire investment and derivative portfolio of the Bank. Other banking segment includes leasing operations and other items and the Bank’s banking subsidiaries, ICICI Bank UK PLC and ICICI Bank Canada. Life insurance segment represents the results of ICICI Prudential Life Insurance Company Limited. Others segment includes ICICI Home Finance Company Limited, ICICI Venture Funds Management Company Limited and others. The Bank’s geographical segments: Domestic operations, and Foreign operations.
Nothing flagged for monitoring
“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹106,190 Cr on total income of ₹361,807 Cr.
Cost-to-income ratio at 62.9%. Provision coverage at 1.6% of income.
“should be range bound, from here on.”
“core operating profit increased by 6% year on year and 2.”
“The net NPA ratio was 0.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 14.3%▲ | 11.5% |
| Net Margin | 15.9%▲ | 12.1% |
| EBITDA Margin | 53.2%▼ | 67.3% |
| Debt To Equity | 4.82x▼ | 8.01x |
| Rev Growth 3yr | 18.8%▲ | 14.4% |
| EPS Growth 3yr | 15.8%▼ | 23.3% |
| NIM | 6.5%▼ | 390.0% |
| Cost To Income | 62.9% | - |
| Credit Deposit Ratio | 89.90x | 83.00x |
Historical valuation data not available.
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹1.41 Lakh Cr +5.6% | ₹1.33 Lakh Cr +14.3% | ₹1.17 Lakh Cr +32.6% | ₹87,929 Cr +31.5% | ₹66,887 Cr +11.0% | ₹60,262 Cr -1.1% | ₹60,928 Cr +19.7% | ₹50,885 Cr |
| Income on Investments | ₹49,407 Cr +4.4% | ₹47,303 Cr +24.1% | ₹38,107 Cr +36.6% | ₹27,905 Cr +26.9% | ₹21,991 Cr -5.5% | ₹23,264 Cr +10.9% | ₹20,971 Cr +15.8% | ₹18,102 Cr |
| ₹1.19 Lakh Cr +9.8% | ₹1.08 Lakh Cr +41.5% | ₹76,522 Cr +17.5% | ₹65,112 Cr +4.8% | ₹62,129 Cr -13.7% | ₹72,030 Cr +11.2% | ₹64,775 Cr +9.3% | ₹59,245 Cr | |
| Total Income | ₹3.17 Lakh Cr +7.7% | ₹2.95 Lakh Cr +24.8% | ₹2.36 Lakh Cr +26.8% | ₹1.86 Lakh Cr +18.2% | ₹1.58 Lakh Cr -2.3% | ₹1.61 Lakh Cr +7.7% | ₹1.50 Lakh Cr +14.0% | ₹1.31 Lakh Cr |
| Interest Expended | ₹89,002 Cr -0.0% | ₹89,028 Cr +20.1% | ₹74,108 Cr +46.6% | ₹50,543 Cr +22.8% | ₹41,167 Cr -3.5% | ₹42,659 Cr -4.5% | ₹44,666 Cr +14.0% | ₹39,178 Cr |
| Employee Cost | ₹25,532 Cr +8.0% | ₹23,630 Cr +23.3% | ₹19,172 Cr +25.8% | ₹15,234 Cr +23.4% | ₹12,342 Cr +11.7% | ₹11,051 Cr -0.9% | ₹11,157 Cr +18.4% | ₹9,425 Cr |
| Other Operating Expenses | ₹1.19 Lakh Cr +14.0% | ₹1.04 Lakh Cr +32.5% | ₹78,611 Cr +17.0% | ₹67,205 Cr +10.5% | ₹60,810 Cr -6.8% | ₹65,221 Cr +8.1% | ₹60,361 Cr +10.1% | ₹54,834 Cr |
| Provisions & Contingencies | ₹5,114 Cr +4.2% | ₹4,906 Cr +32.1% | ₹3,712 Cr -46.5% | ₹6,940 Cr -22.7% | ₹8,977 Cr -45.2% | ₹16,377 Cr +9.1% | ₹15,014 Cr -26.6% | ₹20,462 Cr |
| Total Expenditure | ₹2.33 Lakh Cr +7.6% | ₹2.17 Lakh Cr +26.1% | ₹1.72 Lakh Cr +29.3% | ₹1.33 Lakh Cr +16.3% | ₹1.14 Lakh Cr -3.9% | ₹1.19 Lakh Cr +2.4% | ₹1.16 Lakh Cr +12.3% | ₹1.03 Lakh Cr |
| Profit Before Tax | ₹78,870 Cr +8.3% | ₹72,854 Cr +20.5% | ₹60,434 Cr +30.7% | ₹46,256 Cr +35.1% | ₹34,241 Cr +32.3% | ₹25,884 Cr +40.6% | ₹18,413 Cr +151.3% | ₹7,328 Cr |
| Tax | ₹19,381 Cr +5.1% | ₹18,435 Cr +19.5% | ₹15,428 Cr +30.8% | ₹11,793 Cr +39.4% | ₹8,457 Cr +49.3% | ₹5,664 Cr -23.1% | ₹7,363 Cr +328.3% | ₹1,719 Cr |
| Net Profit | ₹59,489 Cr +9.3% | ₹54,419 Cr +20.9% | ₹45,007 Cr +30.6% | ₹34,463 Cr +33.7% | ₹25,784 Cr +27.5% | ₹20,220 Cr +83.0% | ₹11,050 Cr +97.0% | ₹5,609 Cr |
| Profit (Owners) | ₹56,090 Cr +9.9% | ₹51,029 Cr +15.3% | ₹44,256 Cr +30.0% | ₹34,037 Cr +35.5% | ₹25,110 Cr +36.6% | ₹18,384 Cr +92.2% | ₹9,566 Cr +124.9% | ₹4,254 Cr |
| Minority Interest | ₹3,666 Cr +3.6% | ₹3,540 Cr +94.1% | ₹1,824 Cr +28.0% | ₹1,425 Cr -0.2% | ₹1,428 Cr -27.9% | ₹1,980 Cr +19.3% | ₹1,659 Cr +15.6% | ₹1,435 Cr |
| EPS | ₹78.36 | ₹71.65 | ₹63.02 | ₹48.74 | ₹36.14 | ₹26.58 | ₹14.78 | ₹6.60 |
| Diluted Shares | ₹717 Cr | ₹712 Cr | ₹702 Cr | ₹698 Cr | ₹695 Cr | ₹692 Cr | ₹647 Cr | ₹645 Cr |
| Other Interest | ₹3,922 Cr +66.4% | ₹2,357 Cr +8.6% | ₹2,169 Cr -25.9% | ₹2,927 Cr -37.9% | ₹4,710 Cr +25.4% | ₹3,755 Cr +85.1% | ₹2,029 Cr -1.9% | ₹2,067 Cr |
| Non Performing Assets | ₹25,311 Cr +311.2% | ₹6,155 Cr +5.5% | ₹5,836 Cr +0.7% | ₹5,796 Cr -24.1% | ₹7,641 Cr -23.1% | ₹9,935 Cr -7.9% | ₹10,784 Cr -24.1% | ₹14,205 Cr |
| Profit Loss Of Associates | ₹267 Cr +77.1% | ₹151 Cr -86.0% | ₹1,074 Cr +7.6% | ₹998 Cr +32.3% | ₹754 Cr +422.9% | ₹144 Cr -17.7% | ₹175 Cr +118.2% | ₹80 Cr |
| Gross Non Performing Assets | ₹95,776 Cr +293.6% | ₹24,331 Cr -13.0% | ₹27,961 Cr -10.5% | ₹31,247 Cr -9.6% | ₹34,551 Cr -19.1% | ₹42,703 Cr -2.6% | ₹43,842 Cr -9.7% | ₹48,569 Cr |
| Interest (RBI & Others) | ₹4,335 Cr +26.4% | ₹3,429 Cr +29.4% | ₹2,650 Cr +14.9% | ₹2,305 Cr +26.7% | ₹1,820 Cr -3.3% | ₹1,882 Cr +107.4% | ₹907 Cr -2.1% | ₹927 Cr |
ICICI Bank Limited has informed the Exchange that RBI has, vide its letter dated July 31, 2026, approved the re-appointment of Mr. Ajay Kumar Gupta for a period of two years from November 27, 2026. Th...
ICICI Bank Limited has informed the Exchange that under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in continuat...
ICICI Bank Limited has informed the Exchange regarding Allotment of 948479 Shares.
ICICI Bank Limited has informed the Exchange about Credit Rating - In continuation to the disclosure made by ICICI Bank Limited (Bank) earlier in the day, please note that Moodys Ratings and S&P Globa...
ICICI Bank Limited has informed the Exchange regarding Allotment of 122549 Shares.
ICICI Bank Limited has informed the Exchange about Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Th...
ICICI Bank Limited has informed the Exchange about the transcripts of the call with media and of earnings call with the analysts and investors on the financial results for the quarter ended June 30, 2...
ICICI Bank Limited has informed the Exchange about the transcripts of the call with media and of earnings call with the analysts and investors on the financial results for the quarter ended June 30, 2...
ICICI Bank Limited has informed the Exchange about Investor Presentation
ICICI Bank Limited has informed the Exchange about Disclosure under Regulation 30 read with Para A of Schedule III and Regulation 46(2) of the Securities and Exchange Board of India (Listing Obligatio...
ICICI Bank Limited has informed the Exchange regarding Notice of Annual General Meeting - Newspaper Publication
ICICI Bank Limited has informed the Exchange regarding 'Filing of Annual Report in Form 20-F for the year ended March 31, 2026'.
ICICI Bank Limited has informed the Exchange regarding Allotment of 279055 Shares.
ICICI Bank Limited has informed the Exchange about link of audio recording of the call with media and of earnings call with analysts and investors on the financial results for quarter and ended June 3...
ICICI Bank Limited has informed the Exchange regarding Notice of the 32nd Annual General Meeting to be held on August 21, 2026.