Cash flow ICICI Bank Limited

Stocks

ICICIBANK

INE090A01021

Banks

Market Closed - NSE India S.E. Other stock markets 12:05:08 10/07/2026 BST			5-day change	1st Jan Change
1,401.20 ^INR	+1.48%		-0.72%	+4.34%

06-18	Asian Equities Traded in the US as American Depositary Receipts Rise Sharply in Thursday Trading	MT
06-16	ICICI Bank Issues Shares Under Employee Stock Option Scheme	MT

85108669e419c21a931639959c1fd.fBzmFr2U3xlb6rnevh5pLYICxu-Gu0oOxgn9slJVnlo.NVGee9PD7l4CstiQySg7Wdhvkano2DlnpEjFy2ci-x0lddNPkOetKWOL8A

Published financial data: ICICI BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	892B	954B	1,211B	1,595B	1,863B
Interest Income, Total	892B	954B	1,211B	1,595B	1,863B
Interest On Deposits	427B	412B	505B	741B	890B
Interest Expense, Total	427B	412B	505B	741B	890B
Net Interest Income	465B	542B	705B	854B	973B
Gain (Loss) on Sale of Assets	-63.42M	56.64M	543M	144M	439M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	79.82B	25.13B	11.41B	37.87B	52.34B
Income (Loss) on Equity Invest. (Income Block)	1.44B	-	-	-	-
Total Other Non Interest Income	641B	596B	639B	727B	1,030B
Non Interest Income, Total	722B	621B	651B	765B	1,083B
Revenues Before Provison For Loan Losses	1,187B	1,164B	1,356B	1,619B	2,056B
Provision For Loan Losses	220B	174B	187B	191B	233B
Total Revenues	966B	989B	1,169B	1,428B	1,822B
Salaries And Other Employee Benefits	110B	121B	147B	185B	228B
Stock-Based Compensation (IS)	77.61M	2.67B	5.18B	7.03B	7.9B
Occupancy Expense	49.02B	54.38B	65.64B	72.58B	87.28B
Selling General & Admin Expenses, Total	59.37B	60.39B	77.75B	80.67B	67.82B
(Income) Loss on Equity Invest.	-	-7.54B	-9.98B	-10.74B	-1.51B
Total Other Non Interest Expense	544B	493B	529B	633B	887B
Non Interest Expense, Total	763B	724B	814B	967B	1,276B
EBT, Excl. Unusual Items	204B	265B	355B	461B	546B
EBT, Incl. Unusual Items	204B	265B	355B	461B	546B
Income Tax Expense	-	-	-	-	-
Earnings From Continuing Operations	204B	265B	355B	461B	546B
Net Income to Company	204B	265B	355B	461B	546B
Minority Interest	-19.8B	-14.28B	-14.25B	-18.24B	-35.4B
Net Income - (IS)	184B	251B	340B	443B	510B
Net Income to Common Incl Extra Items	184B	251B	340B	443B	510B
Net Income to Common Excl. Extra Items	184B	251B	340B	443B	510B
Per Share Items
Net EPS - Basic	27.26	36.21	48.86	63.19	72.41
Basic EPS - Continuing Operations	27.26	36.21	48.86	63.19	72.41
Basic Weighted Average Shares Outstanding	6.74B	6.93B	6.97B	7B	7.05B
Net EPS - Diluted	26.83	35.44	47.84	61.96	71.14
Diluted EPS - Continuing Operations	26.83	35.44	47.84	61.96	71.14
Diluted Weighted Average Shares Outstanding	6.84B	7.08B	7.1B	7.13B	7.17B
Normalized Basic EPS	15.94	21.86	29.77	38.52	43.37
Normalized Diluted EPS	15.71	21.42	29.19	37.82	42.65
Dividend Per Share	2	5	8	10	11
Payout Ratio	-	5.52	10.22	12.65	13.8
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	-	-
Total Current Taxes	62.61B	74.04B	115B	137B	175B
Total Deferred Taxes	-5.97B	10.53B	3.37B	17.34B	9.38B
Normalized Net Income	107B	152B	207B	270B	306B
Non-Cash Pension Expense	-315M	-471M	2.5B	622M	2.85B
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	77.61M	2.67B	5.18B	7.03B	7.9B
Total Stock-Based Compensation	77.61M	2.67B	5.18B	7.03B	7.9B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,084B	1,301B	765B	818B	1,003B
Investment Securities, Total	3,980B	4,162B	4,955B	6,623B	7,251B
Trading Asset Securities, Total	-	-	178B	170B	162B
Total investments	3,980B	4,162B	5,133B	6,793B	7,413B
Gross Loans	7,918B	9,203B	10,839B	12,608B	14,207B
Allowance For Loan Losses	-	-	-	-	-
Net Loans	7,918B	9,203B	10,839B	12,608B	14,207B
Gross Property Plant And Equipment	211B	211B	223B	270B	312B
Accumulated Depreciation	-103B	-105B	-114B	-138B	-154B
Net Property Plant And Equipment	108B	106B	110B	132B	158B
Goodwill	1.08B	1.01B	1.01B	24.74B	84.59B
Accrued Interest Receivable	111B	108B	151B	209B	238B
Other Receivables	-	-	-	-	-
Restricted Cash	392B	530B	600B	810B	1,137B
Other Current Assets, Total	78.27B	66.34B	75.27B	85.28B	115B
Deferred Tax Assets Long-Term (Collected)	93.35B	79.48B	76.19B	63.12B	48.41B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	1,973B	1,968B	1,835B	2,098B	2,018B
Total Assets	15,738B	17,526B	19,585B	23,641B	26,422B
Liabilities
Accounts Payable, Total	368B	207B	243B	639B	619B
Interest Bearing Deposits	8,207B	9,279B	10,450B	12,448B	14,041B
Non-Interest Bearing Deposits	1,393B	1,634B	1,658B	1,988B	2,376B
Total Deposits	9,599B	10,914B	12,108B	14,436B	16,416B
Short-Term Borrowings	42.19B	90.35B	98.02B	173B	226B
Current Portion of Long-Term Debt	-	-	-	1,039B	1,219B
Current Portion of Leases	144M	177M	201M	207M	230M
Long-Term Debt	1,397B	1,526B	1,976B	1,039B	929B
Long-Term Leases	750M	718M	527M	319M	1.02B
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	24.83B	27.52B	33.39B	38.99B	42.15B
Other Current Liabilities - (Bank / Utility Template)	132B	135B	139B	129B	90.51B
Other Non Current Liabilities	2,502B	2,746B	2,774B	3,446B	3,591B
Total Liabilities	14,066B	15,646B	17,373B	20,940B	23,135B
Common Stock, Total	13.83B	13.9B	13.97B	14.04B	14.24B
Additional Paid In Capital	490B	498B	507B	519B	606B
Retained Earnings	889B	1,108B	1,416B	1,801B	2,259B
Comprehensive Income and Other	183B	201B	208B	227B	260B
Total Common Equity	1,576B	1,821B	2,145B	2,561B	3,139B
Minority Interest	95.88B	59.81B	66.87B	139B	148B
Total Equity	1,672B	1,880B	2,212B	2,700B	3,287B
Total Liabilities And Equity	15,738B	17,526B	19,585B	23,641B	26,422B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.92B	6.96B	7B	7.04B	7.14B
ECS Total Common Shares Outstanding	6.92B	6.95B	6.98B	7.02B	7.12B
Book Value / Share	227.86	261.99	307.18	364.76	440.76
Tangible Book Value	1,575B	1,820B	2,144B	2,537B	3,054B
Tangible Book Value Per Share	227.7	261.85	307.03	361.23	428.88
Average Assets	-	15,944B	18,228B	21,385B	24,928B
Average Loans	6,543B	8,319B	10,017B	11,993B	13,760B
Total Debt	1,440B	1,617B	2,075B	2,251B	2,376B
Deposits at Interest - Cash	691B	895B	484B	691B	993B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-484M	-1.03B	2.07B	471M	2.67B
Net Debt	356B	316B	1,132B	1,264B	1,211B
Equity Method Investments, Total	6.89B	20.04B	20.04B	15.1B	22.65B
Full Time Employees	98.75K	131K	158K	188K	183K
Assets on Operating Lease - Gross	17.74B	17.89B	17.9B	17.9B	18.91B
Assets on Operating Lease - Accumulated Depreciation	-14.45B	-14.64B	-14.84B	-15.03B	-15.32B

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	184B	251B	340B	443B	510B
Depreciation, Depletion & Amortization	14.03B	14.09B	15.7B	19.96B	26.9B
Total Depreciation, Depletion & Amortization	14.03B	14.09B	15.7B	19.96B	26.9B
(Gain) Loss On Sale of Asset - (CF)	63.42M	-56.64M	-543M	-144M	-439M
(Gain) Loss on Sale of Investments - (CF)	-22.48B	18.32B	27.05B	16.17B	-1.02B
Total Asset Writedown	680M	703M	755M	-	-
Provision for Credit Losses	159B	67.84B	1.25B	21.29B	48.28B
Stock-Based Compensation (CF)	77.61M	2.67B	5.18B	7.03B	7.9B
Change in Other Net Operating Assets (Collected)	-572B	-1,139B	-1,686B	-1,294B	-1,340B
Other Operating Activities	24.65B	51.27B	63.42B	29.62B	-4.04B
Cash from Operations	-211B	-733B	-1,232B	-757B	-753B
Capital Expenditure	-16.88B	-18.6B	-24.68B	-36.79B	-47.7B
Sale of Property, Plant, and Equipment	122M	1.17B	2.87B	699M	646M
Investment in Marketable and Equity Securities, Total	-613B	-376B	-658B	-1,423B	-726B
Cash from Investing	-630B	-393B	-680B	-1,459B	-773B
Short Term Debt Issued, Total	-	169B	125B	181B	107B
Long-Term Debt Issued, Total	294B	357B	417B	392B	404B
Total Debt Issued	294B	526B	542B	573B	511B
Short Term Debt Repaid, Total	-468B	-	-	-	-
Long-Term Debt Repaid, Total	-528B	-346B	-269B	-391B	-399B
Total Debt Repaid	-995B	-346B	-269B	-391B	-399B
Issuance of Common Stock	155B	7.98B	9.42B	11.71B	14.38B
Common Dividends Paid	-	-13.85B	-34.79B	-55.99B	-70.41B
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-13.85B	-34.79B	-55.99B	-70.41B
Net Increase (Decrease) in Deposit Accounts - (CF)	1,592B	1,314B	1,195B	2,330B	1,981B
Cash from Financing	1,045B	1,489B	1,443B	2,468B	2,036B
Foreign Exchange Rate Adjustments	-6.44B	-1.27B	3.16B	4.23B	1.48B
Miscellaneous Cash Flow Adjustments	-	-5.59B	-	7.71B	-
Net Change in Cash	197B	356B	-467B	263B	513B
Supplemental Items
Cash Interest Paid	-	409B	500B	735B	887B
Cash Income Tax Paid (Refund)	38.34B	49.82B	109B	133B	181B
Net Debt Issued / Repaid	-701B	180B	273B	182B	112B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.38	1.6	1.91	2.13	2.18
Return On Equity %	13.72	14.94	17.33	18.76	18.23
Return on Common Equity	13.11	14.79	17.17	18.81	17.9
Shareholders Value Added	15.51B	47.32B	102B	160B	168B
Margin Analysis
SG&A Margin	23.67	25.12	26.12	24.85	21.91
Net Interest Income / Total Revenues %	48.12	54.82	60.33	59.81	53.4
EBT Excl. Non-Recurring Items Margin %	21.07	26.82	30.33	32.27	29.95
Income From Continuing Operations Margin %	21.07	26.82	30.33	32.27	29.95
Net Income Margin %	19.02	25.38	29.12	30.99	28
Net Avail. For Common Margin %	19.02	25.38	29.12	30.99	28
Normalized Net Income Margin	11.12	15.32	17.74	18.89	16.77
Asset quality
Nonperforming Loans / Total Loans %	5.16	3.75	2.88	2.22	1.71
Nonperforming Loans / Total Assets %	2.6	1.97	1.6	1.18	0.92
Nonperforming Assets / Total Assets %	2.6	1.97	1.6	1.18	0.92
NPAs / Loans and OREO	5.16	3.75	2.88	2.22	1.71
NPAs / Equity	24.43	18.38	14.13	10.35	7.4
Allowance for Credit Losses / Nonperforming Loans %	-	-	-	-	-
Allowance for Credit Losses / Total Loans %	-	-	-	-	-
Net Charge-offs / Total Average Loans %	1.29	1.14	0.27	0.38	0.59
Provision for Loan Losses / Net Charge-offs %	260.36	183.05	684.62	420.35	285.55
Earning Assets / IBL	111.87	122.34	123.41	124.35	127.57
Interest Income / Average Assets	-	5.98	6.64	7.46	7.47
Interest Expense / Average Assets	-	2.58	2.77	3.47	3.57
Net Interest Income / Average Assets	-	3.4	3.87	3.99	3.9
Non Interest Income / Average Assets	-	3.9	3.57	3.58	4.34
Non Interest Expense / Average Asset	-	4.54	4.47	4.52	5.12
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.51	10.21	10.69	10.89	11.39
Total Average Equity / Total Average Assets %	10.06	10.68	11.03	11.36	11.96
Total Equity + Allowance for Loan Losses / Total Loans %	19.9	19.78	19.79	20.32	22.1
Gross Loans / Total Deposits %	82.48	84.33	89.51	87.34	86.54
Net Loans / Total Deposits %	82.48	84.33	89.51	87.34	86.54
Tier 1 Capital Ratio %	17.81	18.02	17.33	15.43	15.81
Total Capital Ratio %	18.87	18.87	18.09	16.14	16.41
Core Tier 1 Capital Ratio	16.66	17.34	16.88	15.43	15.81
Tier 2 Capital Ratio	1.06	0.84	0.77	0.71	0.6
Interbank Ratio	63.87	107.14	73.45	16.06	20.02
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.48	1.64	1.7	1.62	1.61
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.77	16.64	30.02	21.11	13.93
Non Interest Income, 1 Yr. Growth %	11.12	-13.74	4.8	17.52	41.47
Provision For Loan Losses, 1 Yr. Growth %	-1.5	-20.9	7.45	2.17	21.95
Total Revenues, 1 Yr. Growth %	16.79	2.53	18.16	22.14	27.61
Earnings From Cont. Operations, 1 Yr. Growth %	81.41	30.32	33.62	29.95	18.42
Net Income, 1 Yr. Growth %	92.18	36.58	35.55	30.03	15.3
Normalized Net Income, 1 Yr. Growth %	100.64	41.04	36.81	30.08	13.31
Diluted EPS Before Extra, 1 Yr. Growth %	84.4	32.09	34.99	29.52	14.82
Dividend Per Share, 1 Yr. Growth %	-	150	60	25	10
Gross Loans, 1 Yr. Growth %	12.11	16.23	17.77	16.32	12.68
Allowance For Loan Losses, 1 Yr. Growth %	-	-	-	-	-
Net Loans, 1 Yr. Growth %	12.11	16.23	17.77	16.32	12.68
Non Performing Loans, 1 Yr. Growth %	0.03	-19.09	-9.56	-10.52	-12.98
Non Performing Assets, 1 Yr. Growth %	0.03	-19.09	-9.56	-10.52	-12.98
Total Assets, 1 Yr. Growth %	14.27	11.36	11.75	20.71	11.77
Total Deposits, 1 Yr Growth %	19.87	13.69	10.95	19.22	13.72
Tangible Book Value, 1 Yr. Growth %	28.19	15.54	17.83	18.32	20.41
Average Interest Earning Assets, 1 Yr. Growth %	18.27	10.61	15.4	18.83	17.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	15.78	9.48	14.4	17.92	14.07
Common Equity, 1 Yr. Growth %	28.16	15.52	17.82	19.42	22.55
Total Equity, 1 Yr. Growth %	28.84	12.48	17.63	22.08	21.74
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	19.06	16.2	23.15	25.48	17.46
Non Interest Income, 2 Yr. CAGR %	10.3	-2.06	-4.92	10.98	28.94
Provision For Loan Losses, 2 Yr. CAGR %	3.79	-11.73	-7.81	4.78	11.62
Total Revenues, 2 Yr. CAGR %	16.12	9.46	10.07	20.14	24.85
Earnings From Cont. Operations, 2 Yr. CAGR %	89.19	53.76	31.96	31.77	24.05
Net Income, 2 Yr. CAGR %	107.88	62.01	36.07	32.76	22.44
Normalized Net Income, 2 Yr. CAGR %	83.4	68.22	38.91	33.4	21.4
Diluted EPS Before Extra, 2 Yr. CAGR %	102.77	56.07	33.53	32.22	21.94
Dividend Per Share, 2 Yr. CAGR %	41.42	-	100	41.42	17.26
Gross Loans, 2 Yr. CAGR %	10.63	14.15	17	17.04	14.49
Net Loans, 2 Yr. CAGR %	10.63	14.15	17	17.04	14.49
Non Performing Loans, 2 Yr. CAGR %	-5.44	-8.01	-14.46	-10.04	-11.76
Non Performing Assets, 2 Yr. CAGR %	-5.44	-8.01	-14.46	-10.04	-11.76
Total Assets, 2 Yr. CAGR %	12.71	12.81	11.55	16.14	16.15
Total Deposits, 2 Yr CAGR %	18.7	16.74	12.31	15.01	16.44
Tangible Book Value, 2 Yr. CAGR %	17.46	21.7	16.68	18.07	19.36
Average Interest Earning Assets, 2 Yr. CAGR %	15.67	13.78	12.98	17.1	17.92
Average Interest Bearing Liabilities, 2 Yr. CAGR %	15.03	11.89	11.91	16.15	15.98
Common Equity, 2 Yr. CAGR %	17.44	21.68	16.67	18.62	20.97
Total Equity, 2 Yr. CAGR %	17.62	20.38	15.02	19.84	21.91
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	18.57	18.25	20.64	22.46	21.51
Non Interest Income, 3 Yr. CAGR %	8.31	1.55	0.17	2.04	20.33
Provision For Loan Losses, 3 Yr. CAGR %	7.04	-5.2	-5.75	-4.6	10.21
Total Revenues, 3 Yr. CAGR %	13.13	11.35	12.29	13.96	22.58
Earnings From Cont. Operations, 3 Yr. CAGR %	30.8	67.09	46.73	31.29	27.16
Net Income, 3 Yr. CAGR %	33.58	80.72	52.66	34.02	26.66
Normalized Net Income, 3 Yr. CAGR %	25.22	68.03	57.02	35.9	26.34
Diluted EPS Before Extra, 3 Yr. CAGR %	31.15	75.78	48.7	32.18	26.15
Dividend Per Share, 3 Yr. CAGR %	10.06	71	-	71	30.06
Gross Loans, 3 Yr. CAGR %	11.78	12.47	15.35	16.77	15.57
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	-	-
Net Loans, 3 Yr. CAGR %	11.78	12.47	15.35	16.77	15.57
Non Performing Loans, 3 Yr. CAGR %	-8.46	-8.88	-8.53	-13.16	-11.03
Non Performing Assets, 3 Yr. CAGR %	-8.46	-8.88	-8.53	-13.16	-11.03
Total Assets, 3 Yr. CAGR %	11.86	12.26	12.45	14.53	14.66
Total Deposits, 3 Yr CAGR %	17.9	17.01	14.78	14.57	14.58
Tangible Book Value, 3 Yr. CAGR %	12.53	16.82	20.4	17.22	18.85
Average Interest Earning Assets, 3 Yr. CAGR %	-	20.31	14.31	14.89	17.07
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	16.35	12.72	13.88	15.45
Common Equity, 3 Yr. CAGR %	12.52	16.8	20.38	17.58	19.91
Total Equity, 3 Yr. CAGR %	12.75	15.88	19.46	17.33	20.47
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	12.95	15.75	20.38	21.09	19.36
Non Interest Income, 5 Yr. CAGR %	11.38	3.44	2.77	5.22	10.82
Provision For Loan Losses, 5 Yr. CAGR %	7.04	1.01	0.83	-1.33	0.85
Total Revenues, 5 Yr. CAGR %	13.32	9.8	11.87	14.78	17.15
Earnings From Cont. Operations, 5 Yr. CAGR %	13.26	18.54	31.26	51.95	37.2
Net Income, 5 Yr. CAGR %	12.55	19.77	34.57	59.75	39.77
Normalized Net Income, 5 Yr. CAGR %	12.06	15.18	30.52	53.21	41.67
Diluted EPS Before Extra, 5 Yr. CAGR %	11.13	17.47	32.1	56.86	37.36
Dividend Per Share, 5 Yr. CAGR %	-15.14	17.08	39.77	58.49	-
Gross Loans, 5 Yr. CAGR %	9.91	5.17	13.84	14.28	15
Allowance For Loan Losses, 5 Yr. CAGR %	-	-	-	-	-
Net Loans, 5 Yr. CAGR %	9.91	12.3	13.84	14.28	15
Non Performing Loans, 5 Yr. CAGR %	9.27	-5.35	-10.11	-9.35	-9.84
Non Performing Assets, 5 Yr. CAGR %	9.27	-6.38	-10.11	-9.35	-9.84
Total Assets, 5 Yr. CAGR %	11.37	12.2	11.74	13.8	13.92
Total Deposits, 5 Yr CAGR %	16.3	16.32	15.63	16.2	15.44
Tangible Book Value, 5 Yr. CAGR %	10.87	11.73	14.17	17.32	19.98
Average Interest Earning Assets, 5 Yr. CAGR %	7.82	11.68	-	19.01	15.74
Average Interest Bearing Liabilities, 5 Yr. CAGR %	10.57	12.79	-	16.27	14.01
Common Equity, 5 Yr. CAGR %	10.86	11.71	14.16	17.52	20.62
Total Equity, 5 Yr. CAGR %	11.39	11.42	13.65	17.45	20.43