ICICI Bank Share Price Target 2025: Full Company Analysis
Quick Summary of ICICI Bank (2025)
- Business: India’s 2nd largest private sector bank.
- Revenue (FY25): ₹1,55,000 crore approx.
- Net Profit (FY25): ~₹40,000 crore.
- NIM: ~4.1% in FY25.
- CASA Ratio: ~44% (one of the best in industry).
- Strength: Strong retail + corporate loan growth.
- Weakness: Competitive pressure from HDFC & SBI.
- Future Outlook: 12–14% CAGR growth expected till 2030.
- Share Price (Aug 2025): Around ₹1,150.
About ICICI Bank
ICICI Bank Ltd is India’s 2nd largest private bank, offering retail, corporate, and digital banking services. Founded in 1994 after the RBI’s banking sector reforms, ICICI has consistently focused on customer growth, digital banking, and global presence.
Company History & Milestones
- 1994: Incorporated as part of ICICI Ltd’s banking arm.
- 2000: Expanded retail lending & credit card business.
- 2008: Weathered global financial crisis with strong restructuring.
- 2010s: Aggressive retail growth in home, auto, and personal loans.
- 2020: Launched digital-first products and fintech partnerships.
- 2025: Became India’s 2nd largest private bank after HDFC merger.
Business Segments
- Retail Banking: Home loans, auto loans, personal loans, credit cards, deposits.
- Corporate Banking: Working capital loans, project finance, trade finance.
- Treasury: Investments, forex, derivatives.
- Digital Banking: iMobile app, internet banking, fintech tie-ups.
Financial Performance (FY22–FY25)
| Year | Total Income (₹ Cr) | Net Profit (₹ Cr) | ROE |
|---|---|---|---|
| FY22 | 1,12,000 | 23,000 | 15.8% |
| FY23 | 1,26,000 | 30,000 | 16.5% |
| FY24 | 1,42,000 | 35,000 | 17.4% |
| FY25 | 1,55,000 | 40,000 | 18.1% |
Key Ratios (2025)
- Net Interest Margin (NIM): ~4.1%
- Return on Assets (ROA): ~1.8%
- Return on Equity (ROE): ~18.1%
- Gross NPA: ~2.0%
- Net NPA: ~0.4%
- CASA Ratio: ~44%
- Cost-to-Income Ratio: ~39%
- P/E Ratio: ~19x
Shareholding Pattern (June 2025)
- Promoters: Nil (widely held)
- FIIs: 45.2%
- DIIs: 33.1%
- Retail & Public: 21.7%
SWOT Analysis
Strengths
- Second-largest private bank with strong retail + corporate portfolio.
- High CASA ratio (44%), ensures low-cost deposits.
- Strong digital presence with iMobile app, net banking, UPI dominance.
Weaknesses
- Competitive pressure from HDFC Bank & SBI.
- Exposure to unsecured retail loans (risk during slowdown).
Opportunities
- India’s growing credit demand (housing, personal loans).
- Digital-first banking & fintech partnerships.
- Rising corporate loan demand from infra & manufacturing push.
Threats
- Global recession or interest rate volatility.
- RBI regulatory interventions.
- Rising competition from fintechs and PSU banks.
Peer Comparison (2025)
| Bank | Market Cap (₹ Cr) | Net Profit (FY25) | CASA Ratio |
|---|---|---|---|
| HDFC Bank | 11,00,000 | 56,000 | 42% |
| ICICI Bank | 7,50,000 | 40,000 | 44% |
| SBI | 6,80,000 | 48,000 | 38% |
| Kotak Mahindra Bank | 3,40,000 | 18,000 | 50% |
| Axis Bank | 3,10,000 | 15,000 | 45% |
Future Outlook (2025–2030)
ICICI Bank is expected to grow at 12–14% CAGR till 2030, supported by India’s rising credit demand, fintech tie-ups, and strong digital presence. Asset quality is stable, and profitability is improving. Analysts project ICICI Bank’s market cap may cross ₹10 lakh crore by 2030 if trends continue.
Investor Strategies
- Short-term: Stable stock with limited volatility, ideal for conservative investors.
- Medium-term: Loan growth + digital innovation support 15–20% upside.
- Long-term: India’s banking sector growth ensures steady compounder returns.
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FAQs on ICICI Bank
1. What is ICICI Bank’s share price in Aug 2025?
₹1,150 approx.
2. What is ICICI Bank’s net profit in FY25?
~₹40,000 crore.
3. What is ICICI Bank’s CASA ratio?
~44% in FY25.
4. Who are ICICI Bank’s competitors?
HDFC, SBI, Kotak, Axis Bank.
5. Does ICICI Bank pay dividends?
Yes, pays consistent annual dividends.
6. Who is the CEO in 2025?
Sandeep Bakhshi.
7. What is ICICI Bank’s market cap?
~₹7.5 lakh crore in Aug 2025.
8. What is ICICI Bank’s NIM?
~4.1% in FY25.
9. Is ICICI Bank a safe investment?
Yes, considered one of the safest private banks.
10. What is ICICI Bank’s long-term outlook?
Strong, with digital leadership & retail dominance.
11. What is ICICI’s ROE in FY25?
~18.1%.
12. What is ICICI’s GNPA ratio?
~2.0% in FY25.
13. Does ICICI have global presence?
Yes, branches in US, UK, Singapore, Middle East.
14. What is ICICI Bank’s P/E ratio?
~19x in 2025.
15. Is ICICI Bank undervalued vs HDFC?
Yes, trades at lower P/E, offering attractive valuation.
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