ICICI Bank Q3 Results: ICICI Bank Q3 has higher than market expectations

ICICI Bank Q3 Results: ICICI Bank released the results of the third quarter of the financial year on Saturday. The net profit of bank standalone increased by 14.8 percent to Rs 11,792 crore on a year basis. In the December quarter, net interest income (NII) increased by 9.1 percent to Rs 20,371 crore.

NII margin increased

In the third quarter of the financial year, the ICICI Bank (ICICI Bank) was 4.27 percent in Q2 2025 and 4.43 percent in the third quarter of FY 2024. The net NPA ratio was 0.42 % compared to the previous quarter, while the provision of abstract loans was 78.2 % by the end of December. The fee revenue increased by 16.3 percent to Rs 6,180 crore in the December 2025 quarter. In the third quarter, retail, rural and commercial banking customers fees were 78 % of the total fees.

credit enhancement

As of 31 December, 2024, ICICI Bank (ICICI Bank) increased by 15.1 percent and sequential 3.2 percent compared to last year. Retail loan port followo increased in sequential growth of 10.5 % and 1.4 % per year. As of December 31, 2024, it was 52.4 percent in the total loan portfolio.

Accumulation growth

The deposit amount of the total period increased by 14.1 percent and the sequential 1.5 percent to Rs 15,20,309 crore. The average deposit increased by 13.7 percent on the basis of one year and the sequency increased to Rs 14,58,489 crore.

Asset quality

The gross NPA ratio was 1.96 % by 31 December, 2024, while 30 September, 2024. The NET NPA ratio was 0.42 % up to 0.42 % on 31 December, 2024 and 30 September 2024. In the third quarter of 2025, the Gross Non -Opposition property was Rs 6,085 crore, while in the first quarter, Rs 5,916 crore in the second quarter and Rs 5,073 crore.