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ICICI Bank Ltd., the 2nd largest backstage assemblage bank, for the 3rd 4th ended 31 December 2025 reported 4% driblet successful nett net to ₹11,318 crore arsenic compared to ₹ 11,792 crore successful the twelvemonth agone play connected relationship of making further modular plus proviso of ₹1,283 crore during the 4th arsenic per absorption of the Reserve Bank of India (RBI).
“Following its yearly supervisory review, RBI has directed the slope to marque a modular plus proviso of ₹1,283 crore successful respect of a portfolio of cultivation precedence assemblage recognition facilities wherein the presumption of the facilities were recovered to beryllium not afloat compliant with the regulatory requirements for classification arsenic cultivation precedence assemblage lending (PSL),” Sandeep Batra, Executive Director, ICICI Bank said connected a league call.
“There is nary alteration successful plus classification oregon successful the presumption and conditions applicable to the borrowers oregon successful the repayment behaviour of borrowers arsenic per these terms. This further modular plus proviso volition proceed until the loans are repaid oregon renewed successful conformity with the PSL classification guidelines,” helium added.
This mis-classification discovered by the RBI is successful an agri-loan publication of a size of ₹20,000 to ₹25,000 crore, according to Mr Batra. This publication dates backmost to 2012, helium added.
“It was recovered during the RBI’s yearly inspection. There is nary alteration is plus quality. We are blessed with the prime of the book,” helium emphasised.
The slope said it’s Board had unanimously approved the re-appointment of MD & CEO Sandeep Bakhshi for a further play of 2 years with effect from October 4, 2026 to October 3, 2028, subject to support of Reserve Bank of India and shareholders.
During the 4th the bank’s Net involvement income (NII) accrued by 7.7% year-on-year (YoY) to ₹ 21,932 crore. Net involvement borderline was 4.30% compared to 4.25% a twelvemonth ago.
Provisions (excluding proviso for tax) were ₹2,556 crore compared to ₹1,227 crore successful the twelvemonth agone period.
The bank’s nett home advances grew by 11.5% YoY. The retail indebtedness portfolio grew by 7.2% YoY and comprised 51.2% of the full indebtedness portfolio astatine December 31, 2025.
The concern banking portfolio grew by 22.8% YoY. The agrarian portfolio grew by 4.9% YoY.
The home firm portfolio grew by 5.6% YoY. Total advances accrued by 11.5% YoY to ₹ 14,66,154 crore astatine December 31, 2025.
The bank’s mean deposits accrued by 8.7% YoY to ₹ 15,86,088 crore.
Total period-end deposits accrued by 9.2% YoY to ₹ 16,59,611 crore astatine December 31, 2025.
The gross NPA ratio was 1.53% astatine December 31, 2025 compared to 1.96% astatine December 31, 2024. The nett NPA ratio was 0.37% astatine December 31, 2025 compared to 0.42% a twelvemonth ago.
The gross NPA additions were ₹5,356 crore during the 4th arsenic compared to ₹6,085 crore a twelvemonth ago.
“The slope typically witnesses higher NPA additions from the kisan recognition paper portfolio successful the archetypal and 3rd 4th of a fiscal year,” the slope said.
Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹ 3,282 crore compared to ₹ 3,392 crore a twelvemonth ago.
The nett additions to gross NPAs, excluding write-offs and sale, were ₹ 2,074 crore during the 4th compared to ₹ 2,693 crore a twelvemonth ago.
The slope has written-off gross NPAs amounting to ₹ 2,046 crore successful the quarter.
The provisioning sum ratio connected non-performing loans was 75.4% astatine December 31,
2025. Excluding NPAs, the full money based outstanding to each borrowers nether solution arsenic per the assorted extant regulations/guidelines were ₹ 1,666 crore oregon astir 0.1% of full advances astatine December 31, 2025.
At December 31, 2025, the Bank holds full provisions, different than circumstantial provisions connected fund-based outstanding to borrowers classified arsenic non-performing, amounting to ₹ 22,657 crore oregon 1.5% of loans.
These provisions see the contingency provisions of ₹ 13,100 crore arsenic good arsenic wide proviso connected modular assets, provisions held for non-fund based outstanding to borrowers classified arsenic non-performing, indebtedness and non-fund based outstanding to modular borrowers nether solution and the BB and beneath portfolio.
These provisions bash not see further modular plus proviso arsenic directed by RBI successful respect of a portfolio of cultivation precedence assemblage recognition facilities, the slope said.
The consolidated nett aft taxation was ₹ 12,538 crore for the 4th arsenic compared to ₹ 12,883 crore a twelvemonth ago, down 2.67%.
