ICICI Bank Ltd's Q4FY25 Quarter Results
- 20 Apr 2025
Result Summary
- ICICI Bank Ltd reported a 10.0% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 24.6%.
- Its expenses for the quarter were down by 8.3% QoQ and up 30.0% YoY.
- The net profit decreased 11.9% QoQ and increased 19.2% YoY.
- The earnings per share (EPS) of ICICI Bank Ltd stood at 16.3 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 67181.70 | 74626.56 | 53922.75 | -10.0% | 24.6% |
Total Expenses | 50330.15 | 54875.68 | 38716.56 | -8.3% | 30.0% |
Provisions & contingencies | 697.91 | 1267.86 | 1722.05 | -45.0% | -59.5% |
Profit Before Tax | 16153.64 | 18483.02 | 13484.14 | -12.6% | 19.8% |
Tax | 4180.91 | 4654.41 | 3498.92 | -10.2% | 19.5% |
Profit After Tax | 12200.05 | 13846.89 | 10236.29 | -11.9% | 19.2% |
Earnings Per Share | 16.30 | 17.90 | 13.80 | -8.9% | 18.1% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
ICICI Bank Ltd is one of India's leading private sector banks, offering a wide range of financial services and products to individual and corporate customers. The bank's primary services include retail banking, corporate banking, investment banking, life insurance, non-life insurance, and asset management. ICICI Bank operates across several business segments and serves customers in India and overseas. It has a significant presence in the banking sector, known for its extensive branch network and innovative financial solutions. The bank focuses on leveraging technology to enhance its service delivery and customer experience. Recent developments, such as the expansion of digital banking services and strategic partnerships, have been part of its growth strategy. However, detailed information on recent specific developments was not available in the provided data.
Revenue
For the quarter ending in Q4FY25, ICICI Bank reported a total income of ₹67181.70 crores. This figure represents a decline of 10.0% compared to the previous quarter (Q3FY25), where the total income was ₹74626.56 crores. However, when compared year-over-year (YoY) to Q4FY24, there was a notable increase of 24.6% from ₹53922.75 crores. These figures signify the bank's revenue trajectory over the past year, showing both quarterly challenges and annual growth. The revenue changes indicate shifts in the bank's income generation over time, reflecting its operations and possibly market conditions during these periods.
Profitability
ICICI Bank's profitability, as reflected in its Profit After Tax (PAT), was ₹12200.05 crores for Q4FY25. This represents an 11.9% decrease from the previous quarter's PAT of ₹13846.89 crores. Year-over-year, the bank achieved a 19.2% increase from the PAT of ₹10236.29 crores in Q4FY24. The Profit Before Tax (PBT) for Q4FY25 was ₹16153.64 crores, down 12.6% from Q3FY25, but up 19.8% YoY compared to Q4FY24. The bank's tax expenses were ₹4180.91 crores in Q4FY25, which is 10.2% lower than Q3FY25 but shows a YoY increase of 19.5% from Q4FY24. These figures highlight the bank's ability to manage its profitability amidst changing expenses and tax obligations.
Operating Metrics
The bank's operating performance, as measured by Total Expenses, was ₹50330.15 crores in Q4FY25, reflecting an 8.3% decrease from Q3FY25's expenses of ₹54875.68 crores. Compared to Q4FY24, there was a 30.0% increase from ₹38716.56 crores. Provisions and contingencies for Q4FY25 were ₹697.91 crores, indicating a significant decrease of 45.0% from Q3FY25 and a 59.5% reduction YoY from Q4FY24. The Earnings Per Share (EPS) for Q4FY25 stood at ₹16.30, which shows a decrease of 8.9% from Q3FY25's EPS of ₹17.90, but an increase of 18.1% from ₹13.80 in Q4FY24. These metrics provide insight into the bank's operational efficiency and financial health over the quarters and year.
