ICICI Bank's Q2 profit rises 20.1% to ₹14,843 crore; net interest margin slips to 4.18%

What happened

• Standalone net profit was ₹14,843 crore against ₹12,358.89 crore a year earlier, up 20.1%, per BusinessToday. Tribune put consolidated profit at ₹16,333 crore, up about 22.3%.
• Net interest income rose 17.7% to ₹25,339 crore. The net interest margin was 4.18% against 4.36% in the June quarter, per BusinessToday, and 4.30% a year earlier, per Tribune.
• Gross NPA was 1.20% and net NPA 0.30%, against 1.58% and 0.39% a year earlier, per Tribune.
• Tribune reported advances up 30% to ₹18.32 lakh crore and deposits up 27.1% to ₹20.50 lakh crore. The shares closed at ₹1,397 on Friday, up 0.55%, per Zerodha Kite, before the results.

Why it matters

Net interest income grew 17.7% while the margin narrowed from 4.36% to 4.18% in one quarter, in BusinessToday's figures.

Good to know: Net interest margin is the gap between what a bank earns on loans and investments and what it pays on deposits, as a share of its earning assets.

Key facts

Standalone net profit

₹14,843 crore (₹12,358.89 crore), up 20.1%

Net interest income

₹25,339 crore, up 17.7%

Net interest margin

4.18% (4.36% in Q1), per BusinessToday

Gross / net NPA

1.20% / 0.30% (per Tribune)

Read the source

• ICICI Bank Q2 results: Net profit jumps 20% to Rs 14,843 crore; NIM contractsBusinessToday
• ICICI Bank Q2 net profit rises 20% to Rs 14,843 crore on strong loan growth, lower provisionsThe Tribune

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