Within the third quarter of fiscal 12 months 2025, ICICI Financial institution, the second largest personal sector financial institution following HDFC Financial institution, disclosed a internet revenue of Rs 11,792 crore. This marked a 15% enhance in comparison with the identical quarter the earlier 12 months when the online revenue was Rs 10,272 crore.
Moreover, the lender reported a internet curiosity earnings of Rs 20,370.6 crore, reflecting a 9.1% enhance from Rs 18,678 crore within the earlier 12 months.
NPA
The online NPA (dangerous loans) ratio remained regular at 0.42% within the newest quarter, whereas the provisioning protection ratio for non-performing loans stood at 78.2% as of December-end.
In Q3 of FY25, the gross NPA ratio confirmed a slight enchancment to 1.96% from 1.97% in Q2. Gross NPA additions totaled Rs 6,085 crore in Q3, in comparison with Rs 5,916 crore in Q1 and Rs 5,073 crore in Q2 of FY25.
ICICI Financial institution famous that it usually experiences greater NPA additions from the kisan bank card portfolio within the first and third quarters of the fiscal 12 months.
Through the quarter, the financial institution wrote off Rs 2,011 crore price of gross NPAs.
Deposits
In Q3, ICICI Financial institution noticed a 14.1% year-over-year enhance and a 1.5% sequential enhance in complete period-end deposits, reaching Rs 15,20,309 crore. Common deposits additionally confirmed progress, with a 13.7% year-over-year enhance and a 2.1% sequential enhance to Rs 14,58,489 crore for the quarter.
Particularly, common present account deposits rose by 13.1% year-over-year and 4.5% sequentially, whereas common financial savings account deposits elevated by 12.3% year-over-year and 1.3% sequentially. The typical present account and financial savings account (CASA) ratio stood at 39% throughout Q3.
Credit score progress
The online home advances skilled a year-on-year progress of 15.1% and a sequential progress of three.2% through the quarter. The retail mortgage portfolio noticed a year-on-year progress of 10.5% and a sequential progress of 1.4%, making up 52.4% of the overall mortgage portfolio.
However, the enterprise banking portfolio witnessed a year-on-year progress of 31.9% and a sequential progress of 6.4%.
The shares of ICICI Financial institution closed at Rs 1,213.70 on Friday (January 24), 0.99% % up on BSE.
