ICICI Bank Q4 Results Preview: Net profit to rise over 10% YoY on loan growth, NII growth seen 9% YoY

ICICI Bank Q4 Results Preview: ICICI Bank will declare its January-March quarter results for fiscal 2024-25 (Q4FY25) on Saturday, April 19, 2025, after reporting a decent performance in the previous quarter led by improved asset quality and credit growth. Most D-Street analysts and domestic brokerages estimated a decent and steady growth in Q4FY25 for India's second-largest lender by market cap, driven by loan growth and deposits.

An average brokerage estimate indicates that ICICI Bank's net profit will likely rise 10-12 per cent in the March quarter, while net interest income (NII) growth is estimated at over nine per cent. Net interest margin (NIM) and deposit growth are the key monitorable metrics. NIM reflects the margin a bank earns in its core lending business and is a key profitability metric.

Shares of ICICI Bank have rallied 10 per cent year-to-date (YTD) and around 32 per cent in one year. The banking heavyweight has given 15 per cent returns to investors in the last three months. On Thursday, shares of ICICI Bank settled 3.68 per cent higher at ₹1,406.65 apiece on the BSE. The private sector bank commands a market cap of ₹10,01,948.86 crore.
 

Here's what brokerages expect from ICICI Bank Q4 Scorecard:

ICICI Bank is expected to report strong performance in Q4FY25, supported by healthy business growth and further improvement in asset quality. Analysts expect that, on average, the bank's net profit is estimated to rise 12.3 per cent in the current quarter and NII is likely to grow 9.2 per cent annually. Margins are also expected to expand during the quarter.

Axis Securities:

ICICI Bank's net profit will rise 12.7 per cent in the March quarter, and NII will rise 9.3 per cent yearly. The private lender's business growth will likely remain healthy in the March quarter. The bank's margins are expected to move with a negative bias. The bank's Opex growth will remain modest.

Credit costs will remain controlled, and no major challenges will likely be noticed in asset quality. The bank's key monitorables in Q4FY25 include the NIM outlook and comments on growth in the unsecured book.

Equirus Securities:

ICICI Bank's net profit will likely rise 11.7 per cent year-on-year, while NII may rise 8.5 per cent. The brokerage expects robust advances/deposit growth at 4/4.5 per cent sequentially in the March quarter. NIM will likely marginally decline by nearly five basis points quarter-on-quarter. The bank's contained credit cost trends are expected to continue.
 

Disclaimer: The views and recommendations provided in this analysis are those of individual analysts or broking companies, not Mint. We strongly advise investors to consult with certified experts, consider individual risk tolerance, and conduct thorough research before making investment decisions, as market conditions can change rapidly, and individual circumstances may vary.