ICICI Bank Ltd

Here is a detailed breakdown of the fundamental financial metrics and dividend profile for ICICI Bank Ltd. (ICICIBANK).

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1. Key Company Fundamentals

ICICI Bank is India’s second-largest private sector bank, commanding a massive ecosystem across retail, corporate, and SME banking. It boasts some of the strongest asset quality metrics and capital adequacy buffers in the Indian banking industry.

Metric Details / Value
Market Capitalization ~₹10,15,946 Crores (Mega Cap)
Current Market Price (CMP) ~₹1,444
52-Week High / Low ₹1,500 / ₹1,188
Price-to-Earnings (P/E) Ratio ~18.74
Price-to-Book (P/B) Ratio ~2.87
Return on Equity (ROE) ~16.1%
CASA Ratio ~39% (Healthy low-cost deposit base)
Net Interest Margin (NIM) ~4.30% (High profitability on loans)
Capital Adequacy Ratio (CAR) 17.11% (Well above regulatory requirements)
Face Value ₹2.00 per share

Asset Quality Metrics

  • Gross NPA: 1.53%

  • Net NPA: 0.37% (Indicative of exceptionally clean and strictly managed loan books)

2. Dividend Details & Policy

Commercial banks in India prioritize capital preservation to fuel loan growth, meaning their dividend yields are typically lower than those of IT or manufacturing companies. However, ICICI Bank has provided very stable and steadily increasing annual dividend payouts.

  • Dividend Yield: ~0.76% to 0.78%

  • Dividend Frequency: Annual (Declares dividend once a year following its Q4/audited annual financial results).

Recent Dividend History (FY 2024–2026)

Banks trace their dividend payouts to the preceding financial year’s performance.

Ex-Dividend Date Dividend Type Amount (per share)
August 03, 2026 Final Dividend ₹12.00
August 12, 2025 Final Dividend ₹11.00
August 09, 2024 Final Dividend ₹10.00

3. Financial Health Summary

  • Earnings Strength: The bank continues to report strong Net Interest Income (NII) and upward core operating profit trajectories.

  • Subsidiary Ecosystem: A significant portion of ICICI Bank’s long-term value comes from its highly successful listed subsidiaries, including ICICI Prudential Life, ICICI Lombard General Insurance, and ICICI Securities.

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