ICICI Bank: Financial Results for quarter ended June 30, 2025

Sr.

no.

Particulars

Three months ended

Year ended

June 30, 2025

(Ǫ1-2026)

March 31, 2025

(Ǫ4-2025)10

June

30, 2024 (Ǫ1-2025)

March

31, 2025 (FY2025)

(Unaudited)

(Audited)

(Unaudited)

(Audited)

1.

Interest earned (a)+(b)+(c)+(d)

42,946.91

42,430.80

38,995.78

163,263.78

a)

Interest/discount on advances/bills

32,542.92

32,821.33

30,108.54

126,404.72

b)

Income on investments

8,712.84

8,210.18

8,156.58

32,980.23

c)

Interest on balances with Reserve Bank of India and other inter-bank funds

767.40

706.12

443.00

2,155.82

d)

Others

923.75

693.17

287.66

1,723.01

2.

Other income

8,504.90

7,260.07

7,001.92

28,506.70

3.

TOTAL INCOME (1)+(2)

51,451.81

49,690.87

45,997.70

191,770.48

4.

Interest expended

21,312.45

21,237.86

19,442.87

82,099.34

5.

Operating expenses (e)+(f)

11,393.52

10,788.76

10,529.99

42,372.32

e)

Employee cost

4,743.08

4,105.18

4,370.51

16,540.88

f)

Other operating expenses

6,650.44

6,683.58

6,159.48

25,831.44

6.

TOTAL EXPENDITURE EXCLUDING PROVISIONS AND CONTINGENCIES (4)+(5)

32,705.97

32,026.62

29,972.86

124,471.66

7.

OPERATING PROFIT BEFORE PROVISIONS AND CONTINGENCIES (3)-(6)

18,745.84

17,664.25

16,024.84

67,298.82

8.

Provisions (other than tax) and contingencies

1,814.57

890.70

1,332.18

4,682.62

9.

PROFIT FROM ORDINARY ACTIVITIES BEFORE EXCEPTIONAL ITEMS AND TAX

(7)-(8)

16,931.27

16,773.55

14,692.66

62,616.20

10.

Exceptional items

..

..

..

..

11.

PROFIT FROM ORDINARY ACTIVITIES BEFORE TAX (9)-(10)

16,931.27

16,773.55

14,692.66

62,616.20

12.

Tax expense (g)+(h)

4,163.06

4,143.97

3,633.55

15,389.21

g)

Current tax

3,933.85

4,052.73

3,326.56

14,588.49

h)

Deferred tax

229.21

91.24

306.99

800.72

13.

NET PROFIT FROM ORDINARY ACTIVITIES AFTER TAX (11)-(12)

12,768.21

12,629.58

11,059.11

47,226.99

14.

Extraordinary items (net of tax expense)

..

..

..

..

15.

NET PROFIT FOR THE PERIOD (13)-(14)

12,768.21

12,629.58

11,059.11

47,226.99

16.

Paid-up equity share capital (face value ₹ 2 each)

1,427.32

1,424.60

1,407.45

1,424.60

17.

Reserves excluding revaluation reserves

284,843.68

18.

Analytical ratios

i)

Percentage of shares held by Government of India

0.22%

0.22%

0.22%

0.22%

ii)

Capital adequacy ratio (Basel III)

16.31%

16.55%

15.96%

16.55%

iii)

Earnings per share (EPS)

a)

Basic EPS before and after extraordinary items, net of tax expense (not

annualised) (in ₹)

17.91

17.87

15.73

67.01

b)

Diluted EPS before and after extraordinary items, net of tax expense (not

annualised) (in ₹)

17.63

17.60

15.46

65.89

19.

NPA Ratio1

i)

Gross non-performing customer assets (net of write-off)

24,732.65

24,166.18

28,718.63

24,166.18

ii)

Net non-performing customer assets

5,971.09

5,589.41

5,684.79

5,589.41

iii)

% of gross non-performing customer assets (net of write-off) to gross customer

assets

1.67%

1.67%

2.15%

1.67%

iv)

% of net non-performing customer assets to net customer assets

0.41%

0.39%

0.43%

0.39%

20.

Return on assets (annualised)

2.44%

2.52%

2.36%

2.41%

21.

Net worth2

296,601.72

282,055.56

244,448.42

282,055.56

22.

Outstanding redeemable preference shares

..

..

..

..

23.

Capital redemption reserve

350.00

350.00

350.00

350.00

24.

Debt-equity ratio3

0.18

0.21

0.27

0.21

25.

Total debts to total assets4

5.51%

5.83%

6.35%

5.83%

Particulars

At

June 30, 2025

March 31,

2025

June 30, 2024

(Unaudited)

(Audited)

(Unaudited)

Capital and Liabilities

Capital

1,427.32

1,424.60

1,407.45

Employees stock options/units outstanding

2,142.54

2,069.84

1,516.12

Reserves and surplus

302,750.67

288,581.86

251,070.91

Deposits

1,608,517.32

1,610,348.02

1,426,149.46

Borrowings (includes subordinated debt)

117,095.27

123,538.26

120,146.85

Other liabilities and provisions

91,905.85

92,277.39

92,406.30

Total Capital and Liabilities

2,123,838.97

2,118,239.97

1,892,697.09

Assets

Cash and balances with Reserve Bank of India

96,453.83

119,928.12

80,438.97

Balances with banks and money at call and short notice

68,144.42

65,633.88

30,224.07

Investments

507,706.63

504,756.74

475,255.60

Advances

1,364,157.06

1,341,766.16

1,223,154.27

Fixed assets

12,878.47

12,838.74

11,101.40

Other assets

74,498.56

73,316.33

72,522.78

Total Assets

2,123,838.97

2,118,239.97

1,892,697.09

Notes on standalone finanical results:

1.

The above standalone financial results have been approved by the Board of Directors at its meeting held on July 19, 2025.

2.

The standalone financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 "Interim Financial Reporting" ('AS 25'), prescribed under Section 133 of the Companies Act, 2013, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India ("RBI") from time to time and other accounting principles generally accepted in India, and are in compliance with the presentation and disclosure requirements of the Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("SEBI Regulations") as amended including relevant circulars issued by SEBI from time to time.

3.

At June 30, 2025, the Bank holds contingency provision of ₹ 13,100.00 crore (March 31, 2025 and June 30, 2024: ₹ 13,100.00 crore).

4.

Details of loans sold/acquired by the Bank as per RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are

given below:

a) Loans not in default

(i) Details of loans not in default sold/acquired under assignment/participation during three months ended June 30, 2025:

₹ in crore

Particulars

Loans

acquired

Loans sold

Amount of loan

1,844.60

849.06

Weighted average residual maturity (in years)

10.17

4.60

Weighted average holding period of the originator (in years)

1.02

4.56

Retention of beneficial economic interest by the originator

204.96

1,176.80

Tangible security coverage (times)

1.66

1.99

1. In addition, the Bank has acquired facilities amounting to ₹ 302.79 crore and has sold facilities amounting to ₹ 174.03 crore during three months

ended June 30, 2025 through novation.

2. The Bank has not acquired any loan through risk participation in secondary market.

3. The disclosure includes loans acquired through buyout similar to direct assignment.

Rating

Loans

acquired

Loans sold

Ind A-, A+, A, AA, AA+, AA-

..

150.00

Crisil A, A+, AA, AA+, A-

..

21.97

Crisil BBB

..

100.00

Infomerics AA-

..

100.00

5.

With effect from April 1, 2024, the Bank has implemented Master Direction issued by the RBI on Classification, Valuation and Operation of investment Portfolio of Commercial Banks (Directions), 2023 ('RBI Directions') which has introduced significant changes in the basis of classification and accounting of investments and recognition of fair valuation of gains and losses. Accordingly, during FY2025, in standalone financial results, the Bank had accounted net transition gain of ₹ 2,058.31 crore (net of tax) and ₹ 1,156.10 crore (net of tax) in Available for Sale ('AFS') Reserve and General Reserve respectively in accordance with the RBI Directions. Subsequent changes in fair value of performing investments under AFS and Fair Value Through Proft and Loss ('FVTPL') (including Held For Trading ('HFT')) categories have been recognised through AFS Reserve and Profit and Loss account respectively.

6.

During Ǫ4-2025, pursuant to the Scheme of Arrangement amongst ICICI Bank Limited and ICICI Securities Limited and their respective shareholders ('the Scheme'), ICICI Securities Limited has been delisted from stock exchanges on March 24, 2025 and became a wholly-owned subsidiary of the Bank. The Bank issued 56,008,117 equity shares of the Bank of face value ₹ 2 each in accordance with the Scheme to the public shareholders of ICICI Securities Limited. In accordance with the Scheme, the Bank recognised a securities premium of ₹ 6,887.60 crore based on the market price of equity shares (at effective date) of the Bank. Further, pursuant to the Scheme, the Bank granted 2,960,270 options and 618,910 units to the employees of ICICI Securities Limited.

7.

During Ǫ1-2026, the Bank has allotted 13,611,682 equity shares of ₹ 2 each pursuant to exercise of employee stock options/units.

8.

Previous period/year figures have been re-grouped/re-classified where necessary to conform to current period classification.

9.

The joint statutory auditors, B S R G Co. LLP, Chartered Accountants and C N K G Associates LLP, Chartered Accountants, have reviewed and audited the standalone financial results for Ǫ1-2026 and FY2025 respectively and issued an unmodified report thereon. The standalone financial results for Ǫ1-2025 were reviewed by the joint statutory auditors, M S K A G Associates, Chartered Accountants and KKC G Associates LLP, Chartered Accountants, on which they had issued unmodified report.

10.

The amounts for Ǫ4-2025 are balancing figures between the figures as per the audited financial statements for FY2025 and the published figures for 9M-2025 which was subjected to limited review.

11.

₹ 1.00 crore = ₹ 10.0 million.

Sr.

no.

Particulars

Three months ended

Year ended

June

30, 2025 (Ǫ1-2026)

March

31, 2025 (Ǫ4-2025)7

June

30, 2024 (Ǫ1-2025)

March

31, 2025 (FY2025)

(Unaudited)

(Audited)

(Unaudited)

(Audited)

1.

Segment revenue

a

Retail Banking

40,458.10

40,617.66

37,378.46

156,184.68

b

Wholesale Banking

21,450.76

21,535.91

19,392.15

82,436.21

c

Treasury

36,925.37

34,778.14

32,647.36

135,052.58

d

Other Banking

1,419.40

1,046.40

690.26

4,386.29

Total segment revenue

100,253.63

97,978.11

90,108.23

378,059.76

Less: Inter segment revenue

48,801.82

48,287.24

44,110.53

186,289.28

Income from operations

51,451.81

49,690.87

45,997.70

191,770.48

2.

Segmental results (i.e. Profit before tax)

a

Retail Banking

4,734.91

6,493.42

4,239.07

21,621.04

b

Wholesale Banking

5,387.56

5,551.79

4,912.07

21,564.63

c

Treasury

6,260.91

4,465.62

5,473.58

18,760.73

d

Other Banking

547.89

262.72

67.94

669.80

Total segment results

16,931.27

16,773.55

14,692.66

62,616.20

3.

Segment assets

a

Retail Banking

820,169.13

792,930.19

747,392.84

792,930.19

b

Wholesale Banking

558,374.07

548,269.82

491,263.38

548,269.82

c

Treasury

702,764.14

721,695.52

616,608.50

721,695.52

d

Other Banking

38,161.59

50,597.21

32,396.38

50,597.21

e

Unallocated

4,370.04

4,747.23

5,035.99

4,747.23

Total segment assets

2,123,838.97

2,118,239.97

1,892,697.09

2,118,239.97

4.

Segment liabilities

a

Retail Banking

1,143,008.15

1,111,966.22

1,027,261.28

1,111,966.22

b

Wholesale Banking

524,146.96

555,997.39

455,949.98

555,997.39

c

Treasury

129,196.41

137,562.04

135,128.50

137,562.04

d

Other Banking

5,670.16

7,538.02

6,707.73

7,538.02

e

Unallocated

15,496.76

13,100.00

13,655.12

13,100.00

Total segment liabilities

1,817,518.44

1,826,163.67

1,638,702.61

1,826,163.67

5.

Capital employed

306,320.53

292,076.30

253,994.48

292,076.30

6.

Total (4)+(5)

2,123,838.97

2,118,239.97

1,892,697.09

2,118,239.97

Notes on standalone segmental results:

1.

The disclosure on segmental reporting has been prepared in accordance with Securities and Exchange Board of India (SEBI) circular no. CIR/CFD/FAC/62/2016 dated July 5, 2016 on Revised Formats for Financial Results and Implementation of Ind AS by Listed Entities.

2.

"Retail Banking" includes exposures of the Bank which satisfy the four criteria of orientation, product, granularity and low value of individual exposures for retail exposures as per RBI guidelines. This segment also includes income from credit cards, debit cards, third party product distribution and the associated costs.

Sr.

no.

Particulars

Segment

revenue

Segment

results

Segment

assets

Segment

liabilities

Ǫ1-2026

Retail Banking

40,458.10

4,734.91

820,169.13

1,143,008.15

(i)

Digital Banking

10,957.30

1,425.32

142,266.69

245,151.38

(ii)

Other Retail Banking

29,500.80

3,309.59

677,902.44

897,856.77

Ǫ4-2025

Retail Banking

40,617.66

6,493.42

792,930.19

1,111,966.22

(i)

Digital Banking

10,724.74

1,876.32

145,898.56

208,095.33

(ii)

Other Retail Banking

29,892.92

4,617.10

647,031.63

903,870.89

Ǫ1-2025

Retail Banking

37,378.46

4,239.07

747,392.84

1,027,261.28

(i)

Digital Banking

9,294.03

1,187.22

135,195.54

192,709.03

(ii)

Other Retail Banking

28,084.43

3,051.85

612,197.30

834,552.25

Mumbai

July 19, 2025

Ajay Kumar Gupta

Executive Director

DIN-07580795

ICICI Bank Limited

CIN-L65190GJ1994PLC021012

Registered Office: ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara - 390 007, Gujarat, Phone: 0265-6722239

Corporate Office: ICICI Bank Towers, Bandra-Kurla Complex, Mumbai - 400 051, Maharashtra, Phone: 022-4008 8900

Website: https://www.icicibank.com, Email: companysecretary@icicibank.com

Sr.

no.

Particulars

Three months ended

Year ended

June

30, 2025 (Ǫ1-2026)

March

31, 2025 (Ǫ4-2025)10

June

30, 2024 (Ǫ1-2025)

March

31, 2025 (FY2025)

(Unaudited)

(Audited)

(Unaudited)

(Audited)

1.

Interest earned (a)+(b)+(c)+(d)

49,079.96

48,386.92

44,581.65

186,331.47

a)

Interest/discount on advances/bills

34,271.44

34,547.45

31,755.59

133,243.71

b)

Income on investments

12,653.00

11,928.09

11,665.69

47,302.54

c)

Interest on balances with Reserve Bank of India and other inter-bank funds

1,105.09

1,052.19

717.74

3,428.66

d)

Others

1,050.43

859.19

442.63

2,356.56

2.

Other income (e)+(f)

25,496.07

31,360.85

22,688.41

108,255.47

e)

Premium and other operating income from insurance business

14,736.38

22,372.74

13,567.06

70,900.83

f)

Others

10,759.69

8,988.11

9,121.35

37,354.64

3.

TOTAL INCOME (1)+(2)

74,576.03

79,747.77

67,270.06

294,586.94

4.

Interest expended

23,090.06

23,047.32

21,121.62

89,027.65

5.

Operating expenses (g)+(h)+(i)

30,169.16

36,647.64

28,071.16

127,799.98

g)

Employee cost

6,638.22

5,797.01

6,165.85

23,629.94

h)

Claims and benefits paid and other expenses pertaining to insurance business

15,872.36

22,933.43

14,646.67

73,806.18

i)

Other operating expenses

7,658.58

7,917.20

7,258.64

30,363.86

6.

TOTAL EXPENDITURE EXCLUDING PROVISIONS AND CONTINGENCIES (4)+(5)

53,259.22

59,694.96

49,192.78

216,827.63

7.

OPERATING PROFIT BEFORE PROVISIONS AND CONTINGENCIES (3)-(6)

21,316.81

20,052.81

18,077.28

77,759.31

8.

Provisions (other than tax) and contingencies

1,822.33

940.13

1,315.89

4,905.76

9.

PROFIT FROM ORDINARY ACTIVITIES BEFORE EXCEPTIONAL ITEMS AND TAX

(7)-(8)

19,494.48

19,112.68

16,761.39

72,853.55

10.

Exceptional items

..

..

..

..

11.

Add: Share of profit in associates

62.53

30.32

56.87

150.66

12.

PROFIT FROM ORDINARY ACTIVITIES BEFORE TAX AND MINORITY INTEREST

(9)-(10)+(11)

19,557.01

19,143.00

16,818.26

73,004.21

13.

Tax expense (j)+(k)

5,100.68

4,789.31

4,355.45

18,434.83

j)

Current tax

4,901.00

4,390.79

4,094.74

17,497.17

k)

Deferred tax

199.68

398.52

260.71

937.66

14.

Less: Share of profit/(loss) of minority shareholders

898.73

851.47

766.97

3,540.18

15.

NET PROFIT FROM ORDINARY ACTIVITIES AFTER TAX (12)-(13)-(14)

13,557.60

13,502.22

11,695.84

51,029.20

16.

Extraordinary items (net of tax expense)

..

..

..

..

17.

NET PROFIT FOR THE PERIOD (15)-(16)

13,557.60

13,502.22

11,695.84

51,029.20

18.

Paid-up equity share capital (face value ₹ 2/- each)

1,427.32

1,424.60

1,407.45

1,424.60

19.

Reserves excluding revaluation reserves

306,631.95

20.

Earnings per share (EPS)

Basic EPS before and after extraordinary items, net of tax expense (not annualised)

(in ₹)

19.02

19.11

16.64

72.41

Diluted EPS before and after extraordinary items, net of tax expense (not

annualised) (in ₹)

18.71

18.84

16.32

71.14

Particulars

At

June 30, 2025

March 31,

2025

June 30, 2024

(Unaudited)

(Audited)

(Unaudited)

Capital and Liabilities

Capital

1,427.32

1,424.60

1,407.45

Employees stock options/units outstanding

2,142.54

2,069.84

1,516.12

Reserves and surplus

326,045.55

310,411.47

269,786.39

Minority interest

15,813.67

14,836.74

14,396.84

Deposits

1,641,136.66

1,641,637.40

1,456,732.61

Borrowings (includes subordinated debt)

215,148.97

218,883.44

206,033.29

Policyholders' funds

308,119.60

294,305.56

295,381.31

Other liabilities and provisions

158,801.65

158,672.36

162,140.81

Total Capital and Liabilities

2,668,635.96

2,642,241.41

2,407,394.82

Assets

Cash and balances with Reserve Bank of India

96,512.74

120,240.91

80,506.78

Balances with banks and money at call and short notice

100,308.43

93,782.55

54,002.68

Investments

905,884.30

886,376.81

857,793.87

Advances

1,445,593.02

1,420,663.71

1,303,045.56

Fixed assets

16,166.85

15,812.42

13,663.27

Other assets

95,711.19

96,905.58

95,472.48

Goodwill on consolidation

8,459.43

8,459.43

2,910.18

Total Assets

2,668,635.96

2,642,241.41

2,407,394.82

Notes on consolidated financial results:

1.

The above consolidated financial results have been approved by the Board of Directors at its meeting held on July 19, 2025.

2.

The consolidated financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards 25 "Interim Financial Reporting" ('AS 25'), prescribed under Section 133 of the Companies Act, 2013, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India ("the RBI") from time to time, the Insurance Regulatory and Development Authority of India ('the IRDAI') applicable for insurance entities and other accounting principles generally accepted in India and, in case of overseas jurisdictions, generally accepted accounting principles as applicable, and are in compliance with the presentation and disclosure requirements of the Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("SEBI Regulations") as amended including relevant circulars issued by SEBI from time to time.

3.

With effect from April 1, 2024, the Bank has implemented Master Direction issued by the RBI on Classification, Valuation and Operation of investment Portfolio of Commercial Banks (Directions), 2023 ('RBI Directions') which has introduced significant changes in the basis of classification and accounting of investments and recognition of fair valuation of gains and losses. For the purpose of consolidation, the domestic group entities (except insurance subsidiaries), have aligned with the Bank's accounting policies including the aforesaid RBI Directions. Accordingly, during FY2025, the Group had accounted net transition gain of ₹ 2,058.31 crore (net of tax and minority interest) and ₹ 1,408.29 crore (net of tax and minority interest) in AFS Reserve and General Reserve respectively in accordance with the RBI Directions. Subsequent changes in fair value of performing investments under AFS and Fair Value Through Proft and Loss ('FVTPL') (including Held For Trading ('HFT')) categories have been recognised through AFS reserve and Profit and Loss account respectively.

4.

During Ǫ1-2026, the Bank has allotted 13,611,682 equity shares of ₹ 2 each pursuant to exercise of employee stock options/units.

5.

At June 30, 2025, the Bank has 18 subsidiaries (including three step-down subsidiaries) and four associates. During Ǫ1-2026, on account of sale of entire stake in FISERV Merchant Solutions Private Limited and NIIT Institute of Finance Banking and Insurance Training Limited, these entities ceased to be associates of the Bank.

6.

During Ǫ4-2025, pursuant to the Scheme of Arrangement amongst ICICI Securities Limited, ICICI Bank Limited and their respective shareholders ('the Scheme'), ICICI Securities Limited has been delisted from stock exchanges on March 24, 2025 and became a wholly-owned subsidiary of the Bank. The Bank issued 56,008,117 equity shares of the Bank of face value ₹ 2 each in accordance with the Scheme to the public shareholders of ICICI Securities Limited. In accordance with the Scheme, the Bank recognised a securities premium of ₹ 6,887.60 crore based on the market price of equity shares of the Bank on effective date of the Scheme. Further, pursuant to the Scheme, the Bank granted 2,960,270 options and 618,910 units to the employees of ICICI Securities Limited. Accordingly, the Bank recognised a goodwill of ₹ 5,549.25 crore in consolidated financial statements at March 31, 2025 on account of acquisition of additional stake in ICICI Securities Limited. Accordingly, the consolidated financial results for Ǫ1-2026 is not comparable with the previous periods.

7.

In accordance with RBI guidelines, consolidated Pillar 3 disclosure (unaudited), leverage ratio, liquidity coverage ratio, net stable funding ratio is available at https://www.icicibank.com/regulatory-disclosure.page.

8.

Previous period/year figures have been re-grouped/re-classified where necessary to conform to current period classification.

9.

The joint statutory auditors, B S R G Co. LLP, Chartered Accountants and C N K G Associates LLP, Chartered Accountants, have reviewed and audited the consoildated financial results for Ǫ1-2026 and FY2025 respectively and issued an unmodified report thereon. The consolidated financial results for Ǫ1-2025 were reviewed by the joint statutory auditors, M S K A G Associates, Chartered Accountants and KKC G Associates LLP, Chartered Accountants, on which they had issued unmodified report.

10.

The amounts for Ǫ4-2025 are balancing figures between the figures as per the audited consolidated financial statements for FY2025 and the published figures for 9M-2025 which was subjected to limited review.

11.

₹ 1.00 crore = ₹ 10.0 million.

Sr.

no.

Particulars

Three months ended

Year ended

June

30, 2025 (Ǫ1-2026)

March

31, 2025 (Ǫ4-2025)11

June

30, 2024 (Ǫ1-2025)

March

31, 2025 (FY2025)

(Unaudited)

(Audited)

(Unaudited)

(Audited)

1.

Segment revenue

a

Retail Banking

40,458.10

40,617.66

37,378.46

156,184.68

b

Wholesale Banking

21,450.76

21,535.91

19,392.15

82,436.21

c

Treasury

36,973.20

34,775.09

32,651.54

135,042.31

d

Other Banking

2,112.59

1,763.55

1,497.42

7,508.32

e

Life Insurance

12,070.95

19,449.14

11,335.68

60,224.24

f

General Insurance

6,897.64

6,466.22

6,175.57

25,651.09

g

Others

5,273.53

4,652.09

4,436.39

18,832.65

Total segment revenue

125,236.77

129,259.66

112,867.21

485,879.50

Less: Inter segment revenue

50,660.74

49,511.89

45,597.15

191,292.56

Income from operations

74,576.03

79,747.77

67,270.06

294,586.94

2.

Segmental results (i.e. Profit before tax and minority interest)

a

Retail Banking

4,734.91

6,493.42

4,239.07

21,621.04

b

Wholesale Banking

5,387.56

5,551.79

4,912.07

21,564.63

c

Treasury

6,308.70

4,462.54

5,477.73

18,750.32

d

Other Banking

678.91

408.63

314.13

1,451.19

e

Life Insurance

344.83

414.12

260.23

1,336.43

f

General Insurance

993.73

668.18

773.99

3,321.29

g

Others

2,381.18

1,784.33

1,683.11

7,423.08

Total segment results

20,829.82

19,783.01

17,660.33

75,467.98

Less: Inter segment adjustment

1,335.34

670.33

898.94

2,614.43

Add: Share of profit in associates

62.53

30.32

56.87

150.66

Profit before tax and minority interest

19,557.01

19,143.00

16,818.26

73,004.21

3.

Segment assets

a

Retail Banking

820,169.13

792,930.19

747,392.84

792,930.19

b

Wholesale Banking

558,374.07

548,269.82

491,263.38

548,269.82

c

Treasury

703,917.33

722,733.26

617,563.37

722,733.26

d

Other Banking

91,197.10

102,559.47

85,504.40

102,559.47

e

Life Insurance

327,396.06

314,088.54

313,150.94

314,088.54

f

General Insurance

71,655.77

68,561.74

65,696.63

68,561.74

g

Others

107,153.71

102,968.20

95,096.58

102,968.20

h

Unallocated

4,541.85

5,533.91

5,439.56

5,533.91

Total

2,684,405.02

2,657,645.13

2,421,107.70

2,657,645.13

Less: Inter segment adjustment

15,769.06

15,403.72

13,712.88

15,403.72

Total segment assets

2,668,635.96

2,642,241.41

2,407,394.82

2,642,241.41

4.

Segment liabilities

a

Retail Banking

1,143,008.15

1,111,966.22

1,027,261.28

1,111,966.22

b

Wholesale Banking

524,146.96

555,997.39

455,949.98

555,997.39

c

Treasury

157,396.53

164,653.06

160,318.98

164,653.06

d

Other Banking

52,726.34

53,777.64

54,147.38

53,777.64

e

Life Insurance

315,014.83

302,298.83

302,050.71

302,298.83

f

General Insurance

55,870.23

54,036.44

52,402.27

54,036.44

g

Others

91,432.24

87,909.64

83,024.16

87,909.64

h

Unallocated

15,194.33

13,100.00

13,242.98

13,100.00

Total

2,354,789.61

2,343,739.22

2,148,397.74

2,343,739.22

Less: Inter segment adjustment

15,769.06

15,403.72

13,712.88

15,403.72

Total segment liabilities

2,339,020.55

2,328,335.50

2,134,684.86

2,328,335.50

5.

Capital employed

329,615.41

313,905.91

272,709.96

313,905.91

6.

Total (4)+(5)

2,668,635.96

2,642,241.41

2,407,394.82

2,642,241.41

Notes on consolidated segmental results:

1.

The disclosure on segmental reporting has been prepared in accordance with Securities and Exchange Board of India (SEBI) circular no.

CIR/CFD/FAC/62/2016 dated July 5, 2016 on Revised Formats for Financial Results and Implementation of Ind AS by Listed Entities.

2.

'Retail Banking' includes exposures of the Bank which satisfy the four criteria of orientation, product, granularity and low value of individual exposures for retail exposures as per RBI guidelines. This segment also includes income from credit cards, debit cards, third party product distribution and the associated costs.

3.

'Wholesale Banking' includes all advances to trusts, partnership firms, companies and statutory bodies, by the Bank which are not

included under Retail Banking.

4.

'Treasury' primarily includes the entire investment and derivative portfolio of the Bank.

5.

'Other Banking' includes leasing operations and other items not attributable to any particular business segment of the Bank. Further, it includes the Bank's banking subsidiaries i.e. ICICI Bank UK PLC and ICICI Bank Canada.

6.

'Life Insurance' represents ICICI Prudential Life Insurance Company Limited.

7.

'General Insurance' represents ICICI Lombard General Insurance Company Limited.

8.

'Others' comprises the consolidated entities of the Bank, not covered in any of the segments above.

9.

'Unallocated' includes items such as tax paid in advance net of provision, deferred tax and provisions to the extent reckoned at the entity

10.

On March 24, 2025, ICICI Securities Limited has become a wholly-owned subsidiary of the Bank. Accordingly, the consolidated financial

results for Ǫ1-2026 is not comparable with the previous periods.

11.

The amounts for Ǫ4-2025 are balancing figures between the figures as per the audited financial statements for FY2025 and the published figures for 9M-2025 which was subjected to limited review.

Mumbai

July 19, 2025

Ajay Kumar Gupta

Executive Director

DIN-07580795