Deposits grew faster than systemic growth, driven by advanced digital banking and a strong branch network | Photo credit: Francis Mascarenhas
Icici Bank will probably publish a stable growth in loans and deposits, which helps almost double hard in the central income in the fourth quarter of 2015, analysts say. The bank will inform its profit results on the fourth quarter on April 19.
According to the Oswal Motilal brokerage, the lender has shown a strong resistance, registering 17 percent of Cag in loans around the period of fiscal year 22-24, led by retail loans, commercial loans and segments of small and medium enterprises (PyME). The strategic use of bank data analysis to refine the incorporation of customers and credit evaluation has been a “game change” to maintain this impulse, he said.
The deposits grew faster than the systemic growth, he said, driven by advanced digital banking and a strong branch network, although low -cost growth struggles, with the current relationship and the savings account (house) standing40.5 percent in Q3Fy25, amid high rates.
According to the axis values, Icici Bank’s net interest margin will move with a negative bias. The quality of the assets, however, will remain stable with a lower credit cost. The brokerage expects the net interest income of Icici Bank to grow 9 percent year -on -year (interannual) in the fourth quarter to ₹ 20,865 million rupees, while it is likely that the income of the income does not increase does not increase 25 percent interannual to ₹ 7,046 million rupees. The net profit of the bank is observed by increasing 13 percent with ₹ 12,070 million rupees in the fourth quarter.
The broker said that the comment of Icici Bank Management on Nim Outlook, together with the growth strategy in the non -guaranteed loan segment, the key duration of the Q4 monitor.
“The Nims have been under pressure with the current NIM to 4.25 percent, below 18 bp.
Posted on April 18, 2025