ICICI Bank is the second-largest private sector bank in India offering a diversified portfolio of financial products and services to retail, SME and corporate customers. The Bank has an extensive network of branches, ATMs and other touch-points.The ICICI group has presence in businesses like life and general insurance, housing finance, primary dealership, etc, through its subsidiaries and associates.
ICICI Bank has a network of 6,613 branches and 16,120 ATMs across India. It also has a presence in 11 countries. The bank operates internationally with subsidiaries in the United Kingdom and Canada, and branches in the United States, Singapore, Bahrain, Hong Kong, Qatar, Oman, Dubai International Finance Centre, China, and South Africa.
The bank was established in 1994 as a wholly-owned subsidiary of ICICI Ltd. in Vadodara, originally named Industrial Credit and Investment Corporation of India Bank. The Industrial Credit and Investment Corporation of India (ICICI) was a government institution established on 5 January 1955 and Sir Arcot Ramasamy Mudaliar was elected as the first Chairman of ICICI Ltd. ICICI Bank launched Internet Banking operations in 1998.
As of July 2025 ICICI Bank has a market cap of ₹10.293 Trillion. This makes ICICI Bank the world's 154th most valuable company according to our data. The stock is listed on NSE (ICICIBANK), BSE (532174), and NYSE (IBN).
#### Q4 FY2025 Performance (Quarter ended March 31, 2025)
The consolidated profit after tax increased by 15.7% year-on-year to ₹ 13,502 crore (US$ 1.6 billion) in Q4-2025 from ₹ 11,672 crore (US$ 1.4 billion) in Q4-2024. Consolidated assets grew by 11.8% year-on-year to ₹ 26,42,241 crore (US$ 309.1 billion) at March 31, 2025 from ₹ 23,64,063 crore (US$ 276.6 billion) at December 31, 2024.
#### Key Financial Metrics for FY2025
• Total capital adequacy ratio was 16.55% and CET-1 ratio was 15.94%, on a standalone basis, at March 31, 2025 after reckoning the impact of proposed dividend
• Net NPA ratio declined to 0.39% at March 31, 2025 from 0.42% at December 31, 2024
• Provisioning coverage ratio on non-performing loans was 76.2% at March 31, 2025
• The Board has recommended a dividend of ₹ 11 per share for FY2025
#### Q2 FY2025 Performance (Quarter ended September 30, 2024)
• Profit after tax grew by 14.5% year-on-year to ₹ 11,746 crore (US$ 1.4 billion) in Q2-2025
• Net interest income (NII) increased by 9.5% year-on-year to ₹ 20,048 crore (US$ 2.4 billion) in Q2-2025 from ₹ 18,308 crore (US$ 2.2 billion) in Q2-2024
• The net interest margin was 4.27% in Q2-2025 compared to 4.36% in Q1-2025 and 4.53% in Q2-2024
• Fee income grew by 13.3% year-on-year to ₹ 5,894 crore (US$ 703 million) in Q2-2025 from ₹ 5,204 crore (US$ 621 million) in Q2-2024
ICICI Bank operates through several key subsidiaries in the insurance sector. The annualised premium equivalent of ICICI Prudential Life Insurance (ICICI Life) was ₹ 4,467 crore (US$ 533 million) in H1-2025 as compared to ₹ 3,523 crore (US$ 420 million) in H1-2024. The Gross Direct Premium Income (GDPI) of ICICI Lombard General Insurance Company (ICICI General) increased by 10.4% year-on-year to ₹ 6,721 crore (US$ 802 million) in Q2-2025 from ₹ 6,086 crore (US$ 726 million) in Q2-2024.
The profit after tax of ICICI Prudential Asset Management Company, as per Ind AS, increased to ₹ 694 crore (US$ 83 million) in Q2-2025 from ₹ 501 crore (US$ 60 million) in Q2-2024. The bank has been actively strengthening its position in asset management, with plans to increase its stake in ICICI Prudential Asset Management to ensure majority ownership.
Pursuant to the Scheme of Arrangement amongst ICICI Bank Limited and ICICI Securities Limited and their respective shareholders, ICICI Securities Limited has been delisted from stock exchanges on March 24, 2025 and became a wholly-owned subsidiary of the Bank.
iMobile Pay, ICICI Bank's mobile banking application, has more than 30 million users. The total value of transactions done through this app stood at close to ₹11,000 billion in fiscal 2024. The volume of financial transactions on InstaBIZ, the Bank's one-stop solution for all banking needs of business banking customers, grew by 22% in fiscal 2024.
The bank has developed iLens, an industry-first end-to-end digital lending platform covering the entire loan life cycle. This platform is a single interface that allows employees, third-party agencies, and sourcing channels to collaborate for faster loan processing and enhanced customer experience.
The Reserve Bank of India (RBI) has identified the State Bank of India, HDFC Bank, and ICICI Bank as Domestic Systemically Important Banks (D-SIBs), which are often referred to as banks that are "too big to fail". This recognition underscores ICICI Bank's critical importance to the Indian financial system.
The bank's mission is to grow its risk-calibrated core operating profit, while its vision is to be the trusted financial services provider of choice for customers, creating sustainable value for all stakeholders. ICICI Bank continues to maintain a strong capital position with adequate provisions and maintains a contingency provision of ₹13,100 crore as of March 31, 2025, demonstrating its commitment to prudent risk management.
