ICICI Bank files semi-annual report with Japanese regulator, detailing H1 2025 performance

ICICI Bank reported a 9.7% increase in net interest income, reaching Rs. 521.53 bn for the six months ended September 30, 2025. This was primarily driven by a 9.87% rise in average interest-earning assets. Profit after tax also saw an increase to Rs. 269.15 bn, up from Rs. 246.44 bn in the previous year, despite an increase in operating expenditure.

The bank's total assets grew by 6.8% to Rs. 26,864.85 bn, with advances increasing by 9.7% to Rs. 14,921.61 bn. Deposits rose by 7.6% to Rs. 16,458.65 bn. The total capital adequacy ratio stood at 15.57%, with a Tier 1 capital adequacy ratio of 14.94%. Additionally, the bank paid a monetary penalty of Rs. 97.80 lakh imposed by the RBI for non-compliance with certain banking directives.

The report also highlighted that goodwill on consolidation increased to Rs. 84.6 bn, following the acquisition of an additional stake in ICICI Securities Limited, which became a wholly-owned subsidiary after delisting from stock exchanges on March 24, 2025.