ICICI Bank Ltd: Q3 2025 Earnings Call Highlights - Strong Profit Growth Amidst Stable Asset Quality

ICICI Bank Ltd (IBN) reported robust financial results for the third quarter of 2025, with a 14.8% year-on-year increase in standalone net profit to Rs 11,792 crore. The bank's strong performance was driven by a 13.1% rise in core operating profit to Rs 16,516 crore, supported by a 15.1% year-on-year growth in domestic loans. ICICI Bank's net interest income (NII) rose by 9.1% year-on-year to Rs 20,371 crore, supported by a net interest margin (NIM) of 4.25%.

The bank's robust profit growth was accompanied by stable asset quality, with a net non-performing asset (NPA) ratio of 0.42%. The provision coverage ratio on non-performing loans (NPLs) stood at 78.2%, indicating the bank's ability to manage risks effectively. ICICI Bank's capital adequacy remained strong, with a total capital adequacy ratio of 16.60% and a Common Equity Tier-1 (CET-1) ratio of 15.93%.



ICICI Bank's digital innovation strategy, such as the DigiEase platform for business banking and the iLens platform for retail lending, has contributed significantly to its robust performance. These platforms have enabled the bank to expand its reach, attract new customers, and improve customer satisfaction, driving loan growth and profitability.

The bank expanded its branch network by adding 129 branches during the quarter, bringing the total to 6,742 branches and 16,277 ATMs. ICICI Bank also introduced technological enhancements like the DigiEase platform for business banking and ongoing upgrades to iLens, its retail lending platform, further strengthening its digital capabilities.

In conclusion, ICICI Bank Ltd's Q3 2025 earnings call highlights its strong profit growth, driven by loan growth across retail, business banking, and corporate segments, and supported by stable asset quality. The bank's digital innovation strategy and robust capital adequacy position it well for future growth and success in the competitive banking landscape.