Lander’s net interest income (NII), which is the difference between earned and spent interest during the quarter, may increase.6..6-5% in the corresponding quarter of the last financial year. The series could be Rs 20,543 crore and Rs 21,170 crore.
Estimates have been taken into account by Alarkapital, JM Financial, IIFL Capital and Institutional Equity.
While Ilara is the highest amount of Rs SERV in its stomach estimates, Nuvama is the highest boom. Speaking of NII metric, JM is the lowest estimate while IIFL is the highest figures.
Living events
Net interest margins can see a slight pressure based on the voa while the slippage may also see a sharp increase.
ICICI Bank is expected to report a double-digit Yoy growth in its loan book.
It will announce its earnings on Saturday, April 19, 2025.
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Chuckle
Ilara expects ICICI Bank’s Q4FY 24PT growth to Rs 11,822 crore on 10.4% U, while a sequel is 0.3%. On the basis of NII Yoy, 9.5% is increased to Rs 20,902 crore while QOQ is increased by 2.6%.
Pre-Provision Operating Perating Profit (PPOP) Rs. There is a possibility of Rs 16,899 crore, which is 12.4% yo and a potential growth of flat on a sequel.
The second largest private NDER’s loan book in the January-March quarter is expected to increase by 14.3% Yoy to Rs 13,53,800 crore while witnessing 3% QQ. Meanwhile, at the end of the quarter under the deposit growth review, 11.4% Yoy and 3.5% QOQ are seen from Rs 15,73,500 crore.
However, the NIM can see a slight pressure in the Q4FY 25, the 13 basis points contract up to 4.3%, though there was 2 basis points correction.
Gross non-performing assets (GNPA) ratio can make the quality of the property measured as a ratio of 19 basis points to 2% while the ratio can be neatly increased by 1 basis point on a sequential basis.
The credit price is low by 8 basis points yo, going down 5 basis points compared to the previous quarter.
In its preview note, Alara said that Q4 is still a stable quarter for ICICI Bank with steady loan growth and deposit growth.
“Expect a large amount of stable NIM from the CRR cut effect and lower slippage QQ, QAQ said,” Q1 FY26 monitored more effect in 26. Q4 usually looks high in high opex and we expect the same trend in this quarter. Notes.
JM Financial
According to JM Financial estimates, the private sector NDER will report a net profit of Rs 11,959 crore, with an increase of 11.7% Yoy and 1.4% QOQ. NII is likely to come up to Rs 20,543 crore, which can be 7.6% Yoy and 0.8% QOQ.
PPOP 13.7% yoy to Rs. 17,103 crore is estimated. On a gradual basis, 1.3% uptick is seen.
The Nder Loan Book is estimated at 14.6% Yoy while deposits are seen in 13% Yoy.
JM has a ‘buy’ rating with a target price of Rs 1,500.
IIFL capital
The private sector Nder-based net profit in his January-March quarter made a net profit of Rs. It is estimated to report 13% Yoy and 3% sequential increase in 12,140 crore. NII increases 11% yoy to Rs 21,170 crore, while QOQ increases 4% on the basis of QOQ.
PPOP Expects Rs 17,410 crore, which reflects 16% Yoy and 3% QOQ growth, showing operating pairing efficiency and well -operated costs.
However, the cost of bank provision increased by 70% yoy to Rs. It is likely to be 1,220 crore, though slightly less than the previous quarter, which is 1% QQ.
The lender’s loan book can increase by 14% and 3% QQ by Rs 13.52 lakh crore, while deposits 11% Yoy and 4% QOQ. 15.75 lakh crore.
IIFL has a ‘buy’ rating at ICICI Bank at a target price of Rs 1,540.
Novels
The company has increased its PT to Rs. A strong quarterly exhibition is expected to be reported at 12,350 crore, with a 15.4% increase and 4.7% growth. NIIs can be reported at Rs 20,840 crore, which is likely to be 9.1% Yoy and 2.3% QOQ.
The net interest margin (NIM) is found at about 4.27%, reflecting a decrease of 13 basis points based on the voa but the modest improvement of 2 BP is respectively.
PPOP 17,730 crore
The loan book can expand up to Rs 13,53,800 crore, with a strong 14.3% Yoy and 3% QOQ growth. Speaking of deposits, stable traction is expected, which has increased to 15,61,400 crore. This can be a jump of 10.5% yoy and 2.7% QOQ.
On the front of the asset quality, the slipper for the quarter is Rs. 5,690 crore, which is 10.8% more Yoy but an improvement of 6.4% on the basis of QOQ.
Nuwama has a ‘buy’ rating on the counter.
(Connection: The recommendations, suggestions, opinions and opinions provided by experts have their own. This does not represent opinions of economic time)
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