The bank also posted an increase of 10.6% in net interest income (NII), which increased to Rs 21,635 crore a year ago in the June quarter.
ICICI Bank said its net interest margin was 34.3434% in the quarter ended June 2025, compared to 41.4141% in the previous March quarter and 36.3636% a year ago.
Etmarkets.comThe bank’s main operating paying profit increased by 13.6% annually to Rs. 17,505 crore, which was Rs 15,412 crore in Q1 FY 25.
The LEers said that his provisions increased from Rs 1,332 crore to Rs 1,815 crore in the first quarter of FY 26. Optional Investment Fund (AIF) Exposure related to the provisions in Q1 FY22. 389 crores.
In the June quarter, Treasury Gains cost Rs. 1,241 crore, which was more than 613 crores in Q1 FY25, which mostly reflects the realization and mark-to-market gains in fixed income securities and equity.
Strong deposit growth, stable loan book and healthy capital ratio
The average deposits increased 11.2% annually to Rs 15,33,241 crore in the June 2025 quarter. The average current account and savings account (CASA) ratio during the quarter was 38.7%.
The bank said that by June 30, 2025, its domestic loan portfolio has extended 12% annually 13,31,196 crore.
Meanwhile, the LE donor’s wealth quality remained stable, the total non-performing asset (NPA) ratio was 1.67% by June 30, 2025, which was 2.15% a year ago. The net NPA ratio was 0.41%, which was slightly less than 0.43% in the same period last year. The provision coverage ratio on a non-performing loan was 75.3%.
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With the profit of Q1 Fiscal Year 26, ICICI Bank said its total capital adequacy ratio is 16.97%, while the general equity tier -1 (CET 1) ratio was 16.31% on a single -basis by June 30, 2025. These layers are comfortably at the minimum regulatory requirements of 11.70% and 8.20%, respectively.
Credit growth led by business banking
The bank’s net domestic progress increased by 12% annually by June 30, 2025 and 1.5% respectively. The retail loan has increased by 52.2% of the total loan portfolio at the end of the portfolio quarter, increasing the year-by-year and 0.5%. Retail portfolio accounts for 43.2%, including non-funding.
Business Banking Portfolio has a strong growth of 29.7% annually and 3.7%, respectively. Rural loan book, however, has dropped 0.4% annually and 1.5% respectively. The domestic corporate portfolio has increased by 7.5% annually but gradually decreased by 1.4%.
Total advances increased by 11.5% annually by June 30, 2025 and 1.7% respectively to Rs 13,64,157 crore.
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