ICICI Bank Q2 PAT may rise 14.4% at Rs 2691.1 cr: MOST

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26 Aug, 2025 12:21

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Motilal Oswal has come out with its July-September quarter earnings estimates for the banking sector. The brokerage house expects ICICI Bank to report a 1.3 percent growth quarter-on-quarter (growth of 14.4 percent year-on-year) in net profit at Rs 2691.1 crore.

Net interest income is expected to increase by 2.1 percent Q-o-Q (up 13.4 percent Y-o-Y) to Rs 4586.9 crore, according to Motilal Oswal.

Motilal Oswal on ICICI Bank:

Loan growth is expected to remain moderate at 3 percent Q-o-Q and 13 percent Y-o-Y. Retail loan growth has picked up over the last few quarters, which is expected to remain a key driver of loan growth.

Margins are expected to remain stable Q-o-Q at 3.4 percent (up 10bp Y-o-Y). Thus, NII is expected to grow 2 percent Q-o-Q and 13 percent Y-o-Y.

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Fee income is expected to remain flat Y-o-Y, while non-interest income is expected to increase 29 percent Y-o-Y, mainly led by higher contribution from profit on sale of investments v/s a loss in 2QFY14.

GNPAs are expected to remain stable Q-o-Q. Management had guided that stress addition has peaked, while pipeline still stood at INR 15 billion.We factor in credit cost at 80bp. PAT is expected to grow at 14.4 percent Y-o-Y.

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