Q2 2025 ICICI Bank Ltd Earnings Call Transcript
Key Points
- ICICI Bank Ltd (IBN) reported a 14.5% year-on-year increase in profit after tax, reaching INR 117.46 billion for the quarter.
- The bank's total deposits grew by 15.7% year-on-year, with term deposits increasing by 15.9% year-on-year.
- The domestic loan portfolio expanded by 15.7% year-on-year, with significant growth in the business banking portfolio at 30% year-on-year.
- ICICI Bank Ltd (IBN) maintained a strong capital position with a CET1 ratio of 15.96% and a total capital adequacy ratio of 16.66%.
- The bank's net NPA ratio improved slightly to 0.42% from 0.43% in the previous quarter, indicating better asset quality management.
- The net interest margin decreased to 4.27% from 4.36% in the previous quarter, reflecting pressure on interest income.
- The overseas loan portfolio declined by 6.9% year-on-year, indicating challenges in international operations.
- There was an increase in gross NPA additions from the retail and rural portfolio, highlighting potential stress in these segments.
- The cost of deposits increased slightly, which could impact future profitability if not managed effectively.
- Operating expenses grew by 6.6% year-on-year, with employee expenses rising by 11%, potentially affecting cost efficiency.
Ladies and gentlemen, good day, and welcome to ICICI Bank's Q2 FY '25 Earnings Conference Call. On the call, we have with us Mr. Sandeep Bakhshi, Managing Director and CEO, ICICI Bank; and Mr. Anindya Banerjee, Group Chief Financial Officer, ICICI Bank. [Operator Instructions] Please note that this conference is being recorded.
I now hand the conference over to Mr. Sandeep Bakhshi. Thank you, and over to you, sir.
Thank you. Good evening to all of you, and welcome to the ICICI Bank earnings call to discuss the results for Q2 of financial year 2025. Joining us today on this call are Sandeep Batra, Rakesh, Ajay, Anindya and Abhinek.
The Indian economy remains resilient based on its long-term growth drivers and the actions and initiatives of the policymakers. The global and domestic inflation, liquidity and rate environment continue to evolve, and we would continue to monitor the same.
At ICICI Bank, our strategic focus continues to be on
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