ICICI Bank – Fundamentals, Business Model, Shareholding & Outlook (2025)

Last updated: August 2025 • Sector: Banking & Financial Services

1) Company Introduction

• Founded: 1994
• Headquarters: Mumbai, Maharashtra
• CEO & MD: Sandeep Bakhshi
• Industry: Banking & Financial Services

ICICI Bank Bharat ka dusra sabse bada private sector bank hai. Ye retail aur corporate dono segments me strong presence rakhta hai. Bank ki subsidiaries bhi insurance, mutual funds aur securities me kaam karti hain.

2) Business Model & Work

ICICI Bank ke business operations diversified hain:

• Retail Banking: Home loans, credit cards, personal loans, vehicle loans
• Corporate Banking: Working capital, project finance, treasury services
• SME Banking: Small aur medium enterprises ke liye financing
• Digital Banking: iMobile, netbanking, UPI payments
• Subsidiaries: ICICI Prudential Life, ICICI Lombard, ICICI Securities

3) Key Fundamentals (Snapshot)

Metric	Insight
Market Cap	₹8+ lakh crore (2025)
Total Assets	₹20+ lakh crore
Net Profit (FY24-25)	₹55,000 crore+
NIM (Net Interest Margin)	~4.5%
GNPA (Gross NPA)	~2.5% (improved asset quality)
Dividend Policy	Regular annual dividend

4) Shareholding Pattern (June 2025)

• Promoters: Nil (ICICI Bank promoter-less structure me hai)
• FII: ~45%
• DII: ~35%
• Public: ~20%

5) Future Outlook: Opportunities & Risks

Opportunities

• India me credit growth ke sath retail aur SME banking ka strong demand
• Subsidiaries (insurance, AMC, securities) se additional revenue
• Digital banking adoption rapid pace pe hai
• Corporate lending me expansion scope

Risks

• NPAs agar macro slowdown aata hai to badh sakte hain
• RBI ke regulations growth ko restrict kar sakte hain
• HDFC, Axis, SBI jaise competitors ke sath tough competition

6) Investment Perspective

• Strong balance sheet aur high profitability ke wajah se long-term investors ke liye attractive
• Subsidiary businesses future me value unlock kar sakti hain
• Retail + corporate dono segments me fast growth ICICI ko leader banata hai

Disclaimer: Ye article sirf educational purpose ke liye hai. Ye investment advice nahi hai. Invest karne se pehle apni research karein ya SEBI-registered advisor se salah lein.

7) FAQs

Q1: Kya ICICI Bank ka promoter hai?

Nahi, ICICI Bank promoter-less company hai. Iska ownership FII, DII aur public investors ke beech distributed hai.

Q2: ICICI Bank ki sabse badi strength kya hai?

Diversified business model aur subsidiaries (insurance, AMC, securities) ki wajah se ICICI Bank strong position me hai.