{"id":2060,"date":"2025-10-18T16:42:38","date_gmt":"2025-10-18T16:42:38","guid":{"rendered":"https:\/\/retrotradingreport.com\/index.php\/2025\/10\/18\/icici-bank-reports-strong-q2-profit-driven-by-retail-loan-growth\/"},"modified":"2025-10-18T16:42:38","modified_gmt":"2025-10-18T16:42:38","slug":"icici-bank-reports-strong-q2-profit-driven-by-retail-loan-growth","status":"publish","type":"post","link":"https:\/\/retrotradingreport.com\/index.php\/2025\/10\/18\/icici-bank-reports-strong-q2-profit-driven-by-retail-loan-growth\/","title":{"rendered":"ICICI Bank reports strong Q2 profit, driven by retail loan growth"},"content":{"rendered":"
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ICICI Bank Ltd., India\u2019s second-largest private sector lender, posted a stronger-than-expected profit for the September quarter, buoyed by robust loan growth and improving asset quality. <\/p>\n

The Mumbai-based bank\u2019s performance highlights continued resilience amid evolving market conditions and healthy retail demand.<\/p>\n

Profit beats street estimates on steady loan expansion<\/h2>\n

ICICI Bank\u2019s standalone net profit rose 5.2% year-on-year to \u20b912,358.9 crore ($1.4 billion) for the quarter ended September, comfortably exceeding analyst expectations. <\/p>\n

A Bloomberg survey had projected a profit of \u20b912,067 crore, while a Moneycontrol poll estimated a more modest 2.3% growth to \u20b912,024 crore.<\/p>\n

The bank\u2019s loan portfolio grew 10.6% year-on-year, supported by strong retail demand and continued credit expansion across key segments. <\/p>\n

Total income for the quarter increased to \u20b949,333.5 crore from \u20b947,714 crore a year ago, while other income rose to \u20b97,575.5 crore from \u20b97,176.7 crore, underscoring the diversified revenue streams of the lender.<\/p>\n

Net interest income (NII)\u2014the difference between interest earned on loans and interest paid on deposits\u2014rose 7.4% year-on-year to \u20b921,529.5 crore, slightly surpassing the Street\u2019s projection of \u20b921,486 crore. <\/p>\n

The increase in NII reflects both higher lending volumes and effective management of funding costs, even as margins remain competitive.<\/p>\n

Asset quality improves, provisions decline<\/h2>\n

ICICI Bank continued to demonstrate strong credit discipline, with gross non-performing assets (GNPA) declining to \u20b923,849.7 crore, down from \u20b927,121.2 crore a year earlier. <\/p>\n

The GNPA ratio improved to 1.58%, compared with 1.97% in Q2 FY25, while the net NPA ratio eased to 0.39% from 0.42% the previous year. <\/p>\n

Net NPAs for the quarter stood at \u20b95,827 crore, marginally higher than \u20b95,685 crore in Q2 FY25.<\/p>\n

Provisions and contingencies for the quarter fell nearly 26% to \u20b9914 crore, reflecting the bank\u2019s improving credit profile and lower asset quality pressures. <\/p>\n

During the quarter, average deposits increased 9.1% year-on-year and 1.6% sequentially to \u20b915,57,449 crore, driven by growth in both current and savings accounts. <\/p>\n

Average current account deposits rose 12.6%, while savings account deposits grew 8.5% year-on-year. <\/p>\n

The bank\u2019s CASA ratio stood at 39.2% in Q2 FY26.<\/p>\n

The capital adequacy ratio under Basel III improved to 15.76%, up from 15.35% a year ago, highlighting a strengthened balance sheet.<\/p>\n

ICICI Bank\u2019s return on assets (annualised) remained stable at 2.36%, compared with 2.40% in the prior year, while net worth increased to \u20b93,01,628 crore from \u20b92,50,418 crore, reflecting ongoing capital accumulation and retained earnings growth.<\/p>\n

Outlook supported by retail lending and robust balance sheet<\/h2>\n

The bank\u2019s results underscore the resilience of India\u2019s private sector lenders amid macroeconomic and competitive challenges. <\/p>\n

Healthy growth in retail and small- to mid-sized enterprise loans, combined with disciplined credit risk management, has allowed ICICI Bank to expand its loan book without materially compromising asset quality.<\/p>\n

With net interest income and other income continuing to show steady growth, coupled with declining NPAs and robust capital adequacy, ICICI Bank remains well-positioned to capitalize on expanding credit demand in the Indian market. <\/p>\n

ICICI Bank’s shares have surged over 11% in the year so far. <\/p>\n<\/p>\n

The post ICICI Bank reports strong Q2 profit, driven by retail loan growth<\/a> appeared first on Invezz<\/a><\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

ICICI Bank Ltd., India\u2019s second-largest private sector lender, posted a stronger-than-expected profit for the September quarter, buoyed by robust loan growth and improving asset quality. The Mumbai-based bank\u2019s performance highlights continued resilience amid evolving market conditions and healthy retail demand.Profit beats street estimates on steady loan expansionICICI Bank\u2019s standalone net profit rose 5.2% year-on-year to…<\/p>\n","protected":false},"author":1,"featured_media":2061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-2060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"_links":{"self":[{"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/posts\/2060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/comments?post=2060"}],"version-history":[{"count":0,"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/posts\/2060\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/media\/2061"}],"wp:attachment":[{"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/media?parent=2060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/categories?post=2060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retrotradingreport.com\/index.php\/wp-json\/wp\/v2\/tags?post=2060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}