Banking / Financial Services
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ICICIBANK / 532174
ICICI Bank Limited, established in 1994, is India's second-largest private sector bank, offering a diverse range of financial products and services. As of September 24, 2025, its market capitalization stood at ₹9,95,874.55 Cr, positioning it among India's most valuable banking institutions. The bank operates under the core principle of 'Fair to Customer, Fair to Bank', focusing on building trust and long-term value.
The ICICI group extends its presence into allied businesses such as life and general insurance, housing finance, and primary dealership through its subsidiaries and associates. ICICI Bank serves a broad customer base, including corporates, small to medium enterprises (SMEs), salaried individuals, senior citizens, farmers, and non-resident Indians.
ICICI Bank provides a comprehensive suite of financial products and services to retail, SME, and corporate customers. The bank boasts an extensive network comprising 6,523 business centres and over 17,190 ATMs and Cash Recycling Machines across the country. Its expansive reach ensures accessibility for a wide spectrum of customers.
The bank's strategic focus on customer-centricity is complemented by a robust digital infrastructure, enabling seamless transactions and services. The ICICI group's diversified business interests further strengthen its market position and offer synergistic opportunities.
The bank has demonstrated consistent financial performance, with significant growth in key profitability metrics.
- Q4 FY2025 Performance:
- Profit after tax grew by 18.0% year-on-year to ₹12,630 crore (US$ 1.5 billion).
- Core operating profit grew by 13.7% year-on-year to ₹17,425 crore (US$ 2.0 billion).
- Net interest income (NII) increased by 11.0% year-on-year to ₹21,193 crore (US$ 2.5 billion).
- Full Year FY2025 Results:
- Profit after tax grew by 15.5% year-on-year to ₹47,227 crore (US$ 5.5 billion).
- Core operating profit grew by 12.5% year-on-year to ₹65,396 crore (US$ 7.6 billion).
- As of 9MFY24:
- Capital Adequacy Ratio: 16.03%
- Net Interest Margin (NIM): 4.57%
- Gross Non-Performing Assets (NPA): 2.30%
- Net NPA: 0.44%
- Current Account Savings Account (CASA) Ratio: 39.4%
- Recent Quarterly Performance:
- Net Interest Margin: 4.27% in Q2 FY2025 (vs. 4.36% in Q1 FY2025 and 4.53% in Q2 FY2024)
- Gross NPA Ratio: 1.97% at September 30, 2024 (vs. 2.15% at June 30, 2024)
- Net NPA Ratio: 0.42% at September 30, 2024 (vs. 0.43% at June 30, 2024)
ICICI Bank Limited offers a comprehensive array of banking and financial services through its various segments, including Retail Banking, Wholesale Banking, Treasury, and other banking operations.
- Accounts: Savings, Salary, Pension, Current, Trade, Escrow, Foreign Currency, Vostro accounts.
- Deposits: Time Deposits, Fixed Deposits, Recurring Deposits, Security Deposits.
- Loans: Home Loans, Car Loans, Two-wheeler Loans, Personal Loans, Education Loans, Gold Loans, Commercial Business Loans, Loans against Securities, Shares, Mutual Funds, and Property.
- Financing Solutions: Working Capital Finance, Term Loans, Collateral-Free Loans, Loans without Financials, Finance for Importers and Exporters, Overdraft Facilities, Loans for New Entities and Card Swipes.
- Cards: Credit Cards, Debit Cards, Prepaid Cards, Travel Cards, Forex Cards, Corporate Cards.
- Digital Wallet: Pockets Wallet.
- Investment Products: Fixed Income Products, Mutual Funds, Gold Monetization Schemes, Initial Public Offerings (IPOs), and other online investment services.
- Agri & Rural Business: Farmer Finance, Tractor Loans, Micro Banking Services.
ICICI Bank's diversified business model is significantly enhanced by the performance of its key subsidiaries.
- Annualised Premium Equivalent (APE): ₹10,407 crore (US$ 1.2 billion) in FY2025 (compared to ₹9,046 crore / US$ 1.1 billion in FY2024).
- Value of New Business (VNB): ₹2,370 crore (US$ 277 million) in FY2025.
- Gross Direct Premium Income (GDPI): ₹26,833 crore (US$ 3.1 billion) in FY2025 (compared to ₹24,776 crore / US$ 2.9 billion in FY2024).
- Profit After Tax: Grew by 30.7% to ₹2,508 crore (US$ 293 million) in FY2025.
ICICI Bank maintains a significant international footprint with subsidiaries in the UK (including branches in Belgium and Germany) and Canada. Its network of branches spans the United States, Bahrain, Hong Kong, Qatar, Oman, Dubai International Finance Centre, China, Singapore, and South Africa. Additionally, it operates representative offices in Bangladesh, Indonesia, Malaysia, and the United Arab Emirates.
ICICI Bank is listed on major stock exchanges:
- Bombay Stock Exchange (BSE): Code 532174
- National Stock Exchange (NSE): Symbol ICICIBANKEQ
- New York Stock Exchange (NYSE): ICICI Bank was the first Indian company and the first bank or financial institution from non-Japan Asia to list on the NYSE in 1999.
Founded in 1955 as the Industrial Credit and Investment Corporation of India (ICICI) by an initiative of the World Bank to finance medium-term and long-term projects, its banking arm, ICICI Bank, was incorporated in 1994 as a fully-owned subsidiary. Initially named Industrial Credit and Investment Corporation of India Bank, it later adopted the name ICICI Bank. In 2002, ICICI Bank underwent a reverse merger with its parent company and its other subsidiaries, ICICI Personal Financial Services Ltd and ICICI Capital Services Ltd. The bank launched its Internet Banking operations in 1998.
ICICI Bank continues to reinforce its position as a leading private sector bank in India, driven by consistent financial performance, expansion of digital services, and a strong network of subsidiaries that contribute to its comprehensive financial services ecosystem.
Clients/Investors to abstain them from dealing in any schemes of unauthorised collective investments / portfolio management, indicative/ guaranteed/fixed returns / payments etc.
Sr. No
Name of KMP
Designation
Mobile Number
Email ID
2.
Mr. Amit Bansal
Designated Director /
Compliance Officer