The financial institution additionally posted a ten.6% enhance YoY in internet curiosity earnings (NII), which rose to Rs 21,635 crore within the June quarter from Rs 19,553 crore a 12 months in the past.
ICICI Financial institution mentioned its internet curiosity margin stood at 4.34% within the quarter ended June 2025, in contrast with 4.41% within the previous March quarter and 4.36% a 12 months in the past.
The financial institution’s core working revenue grew 13.6% year-on-year to Rs 17,505 crore, up from Rs 15,412 crore in Q1 FY25.
The lender mentioned its provisions (excluding tax) rose to Rs 1,815 crore within the first quarter of FY26 from Rs 1,332 crore within the year-ago interval. Provisions in Q1 FY25 included a launch of Rs 389 crore associated to Different Funding Fund (AIF) exposures.
Treasury good points stood at Rs 1,241 crore within the June quarter, up from Rs 613 crore in Q1 FY25, largely reflecting realised and mark-to-market good points in mounted earnings securities and equities.
Sturdy deposit development, steady mortgage e book and wholesome capital ratios
Common deposits grew 11.2% year-on-year to Rs 15,33,241 crore within the June 2025 quarter. The common present account and financial savings account (CASA) ratio stood at 38.7% through the quarter.
The financial institution mentioned its home mortgage portfolio expanded 12% year-on-year to Rs 13,31,196 crore as of June 30, 2025.
In the meantime, the lender’s asset high quality remained steady, with the gross non-performing asset (NPA) ratio bettering to 1.67% as of June 30, 2025, from 2.15% a 12 months earlier. The online NPA ratio stood at 0.41%, barely decrease than 0.43% in the identical interval final 12 months. The provisioning protection ratio on non-performing loans was 75.3%.
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Together with the revenue for Q1 FY26, ICICI Financial institution mentioned its complete capital adequacy ratio stood at 16.97%, whereas the Widespread Fairness Tier-1 (CET1) ratio was 16.31% on a standalone foundation, as of June 30, 2025. These ranges are comfortably above the minimal regulatory necessities of 11.70% and eight.20%, respectively.
Credit score development led by enterprise banking
The financial institution’s internet home advances grew by 12% year-on-year and 1.5% sequentially as of June 30, 2025. The retail mortgage portfolio expanded 6.9% year-on-year and 0.5% sequentially, comprising 52.2% of the entire mortgage portfolio on the finish of the quarter. Together with non-fund excellent, the retail portfolio accounted for 43.2% of the entire.
The enterprise banking portfolio posted sturdy development of 29.7% year-on-year and three.7% sequentially. The agricultural mortgage e book, nevertheless, declined 0.4% year-on-year and 1.5% sequentially. The home company portfolio grew 7.5% year-on-year however declined 1.4% sequentially.
Complete advances rose 11.5% year-on-year and 1.7% sequentially to Rs 13,64,157 crore as of June 30, 2025.
