ICICI Bank is making headlines once again —
this time for hitting a new 52-week high of ?1,437 on April 21, 2025. The surge
came right after the bank posted a blockbuster set of Q4 results. But what’s
really driving the momentum? Let’s break it down in simple terms.
Q4 FY25 Results: A Quick Recap
For the quarter ending March 2025, ICICI Bank
reported a standalone net profit of ?12,629.6 crore — that’s an 18%
year-on-year jump . This growth came on the back of solid lending activity,
improved margins, and lower provisions.
Net interest income (NII), which is the core
revenue a bank earns from loans, rose 11% to ?21,193 crore. Net interest margin
(NIM) improved to 4.41%, compared to 4.25% last quarter
But what really stood out was the asset
quality. Gross NPAs dropped to 1.67% (from 1.96%), and net NPAs came down to
just 0.39%. That means fewer bad loans and more efficiency in collections — a
good sign for long-term investors.
Stock Market Reaction: Full of Green Flags
Investors clearly liked what they saw. ICICI
Bank’s stock jumped over 2% intraday and led the Nifty Bank index to an
all-time high of ?55,195.95 . Strong results, stable loan growth, and better
margins created the perfect storm for the stock to rally.
And it’s not just retail investors cheering — even
institutional players have maintained their bullish stance.
Growth Plans: The Bank is Not Slowing Down
ICICI isn’t sitting back after a good quarter.
The bank plans to open 400 new branches in FY26 to deepen its footprint,
especially in Tier 2 and Tier 3 cities These regions are becoming key
battlegrounds for banks as financial inclusion picks up pace.
Also, the bank has declared a dividend of ?11
per share, which is a sweet bonus for long-term shareholders.
What
Do Analysts Say?
Brokerages are bullish. Motilal Oswal has kept
a target price of ?1,650, citing strong core performance and best-in-class
asset quality. Nuvama Institutional Equities highlighted ICICI’s improving
return ratios and loan growth momentum as key positives
The bank has also seen consistent gains in
market share across retail and SME segments — both high-margin verticals.
Final
Word
ICICI Bank’s Q4 FY25 performance isn’t just
about numbers — it’s a signal of the bank’s growing dominance in the Indian
private banking space. Its focus on digital banking, stable asset quality, and
expansion strategy make it one of the most watched stocks in the banking
sector.
However, while the record high might create
FOMO, it’s important to analyze long-term fundamentals before making any
decisions.
Disclaimer: This article is for educational
purposes only. It does not offer buy, sell, or hold recommendations. Please
consult a SEBI-registered advisor before making investment decisions.
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