Private sector lender ICICI Bank reported a 5.2% increase in its profit after tax (PAT), reaching ₹12,359 crore for the quarter ending in September 2025, compared to ₹11,746 crore in the same quarter last year. The bank’s net interest income (NII) also saw a rise of 7.4% year-on-year, climbing to ₹21,529 crore from ₹20,048 crore in the second quarter of fiscal year 2025. The net interest margin (NIM) for the reporting quarter stood at 4.3%.
The fee income for the bank increased by 10.1% year-on-year to ₹6,491 crore in the second quarter of fiscal year 2026, up from ₹5,894 crore during the corresponding quarter of the previous fiscal year. Notably, fees generated from retail, rural, and business banking customers accounted for approximately 78% of total fees during this period, according to a press release from the lender.
ICICI Bank’s net domestic advances surged by 10.6% year-on-year. The retail loan portfolio grew by 6.6% year-on-year, representing 52.1% of the total loan portfolio as of September 30, 2025. Additionally, average deposits increased by 9.1% in the second quarter of fiscal year 2026.
The gross non-performing assets (NPA) ratio was reported at 1.58% as of September 30, 2025, a decrease from 1.97% a year earlier. The net NPA ratio was 0.39%, slightly down from 0.42%. Gross NPA additions amounted to ₹5,034 crore in the second quarter of fiscal year 2026, compared to ₹5,073 crore during the same period in fiscal year 2025. The bank also wrote off gross NPAs totaling ₹2,263 crore in the three months from July to September 2025. The provisioning coverage ratio on non-performing loans stood at 75% as of September 30, 2025.
Original Source: https://indianexpress.com/article/business/companies/icici-banks-q2-net-profit-rose-5-2-10315250/
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Publish Date: 2025-10-19 02:25:00
