Icicibank Ltd — Q2 FY25
ICICI Bank reported a strong Q2 FY25 with PAT growing 14.5% YoY to INR 117.46 billion, driven by healthy loan growth and controlled operating expenses.
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q1 FY25
Credit cost to normalize around 50 bps
Management expects credit cost to gradually normalize around 50 basis points, adjusted for seasonality and one-offs.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
OpEx growth to moderate
Operating expense growth is expected to remain around 10-13% YoY, similar to recent quarters.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Personal loan growth to trend towards 20%
Personal loan growth is expected to moderate to around 20% or lower by year-end, from 24% YoY in Q1.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1