[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Wealth Counter - NISM Certified RA (Stock Market) [@Wealth_Counter](/creator/twitter/Wealth_Counter) on x 4100 followers Created: 2025-07-19 14:12:53 UTC ICICIBANK - Concall Retail loans form over XX% of the book, with mortgages making up XX% of that, driven by cashflow-based underwriting and low LTV. Business banking portfolio grew XXXX% YoY, supported by digital channels like InstaBIZ and granular ticket sizes below ₹10 crore. Credit card spends increased due to higher activation from digital onboarding and co-branded partnerships like Amazon Pay. Rural lending is increasingly digitalized, with instant interest payments via Bharat Bill Payment System integration. Over XX% of personal loan and credit card customers are salaried individuals, ensuring better portfolio quality. Corporate loan book remains strong with XXXX% rated A- and above, while BB and below exposure is just 0.6%. Concentration risk is low—top XX borrowers constitute only XXX% of exposure, all rated A- or better. Gross NPAs remain under control at 1.67%, with provision coverage of XXXX% and net NPAs at 0.41%. ₹131 billion in contingency provisions maintained, representing XXX% of net advances as an additional cushion. Retail NPAs marginally rose to XXXX% but remain manageable given strong underwriting and collection efficiency. Domestic corporate loans declined QoQ, showing calibrated growth and possible risk aversion in large-ticket lending. CASA deposits grew XXXX% YoY, supported by XXXX% growth in current account balances and XXX% in savings. Net interest margin remains healthy at 4.34%, driven by strong asset yields and better deposit cost management. Core operating profit grew XXXX% YoY, indicating robust recurring income momentum. Subsidiaries delivered well—ICICI Lombard, AMC, and Securities all posted sequential PAT growth. Builder and NBFC exposures are tightly monitored, with only XXX% and <0.5% of the portfolios rated BB or below. Overseas book forms only XXX% of the total, ensuring limited international risk and strong domestic focus. Capital adequacy ratio stands at 16.97%, well above regulatory thresholds, allowing growth without dilution. ESG initiatives include ₹296 billion green finance exposure and a 2032 carbon neutrality target. Total branch count crossed XXXXX with a wide semi-urban and rural presence, supporting inclusive growth and reach. XXX engagements  **Related Topics** [credit cards](/topic/credit-cards) [banking](/topic/banking) [mergers and acquisitions](/topic/mergers-and-acquisitions) [stocks](/topic/stocks) [Post Link](https://x.com/Wealth_Counter/status/1946573964177768502)
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
Wealth Counter - NISM Certified RA (Stock Market) @Wealth_Counter on x 4100 followers
Created: 2025-07-19 14:12:53 UTC
ICICIBANK - Concall
Retail loans form over XX% of the book, with mortgages making up XX% of that, driven by cashflow-based underwriting and low LTV.
Business banking portfolio grew XXXX% YoY, supported by digital channels like InstaBIZ and granular ticket sizes below ₹10 crore.
Credit card spends increased due to higher activation from digital onboarding and co-branded partnerships like Amazon Pay.
Rural lending is increasingly digitalized, with instant interest payments via Bharat Bill Payment System integration.
Over XX% of personal loan and credit card customers are salaried individuals, ensuring better portfolio quality.
Corporate loan book remains strong with XXXX% rated A- and above, while BB and below exposure is just 0.6%.
Concentration risk is low—top XX borrowers constitute only XXX% of exposure, all rated A- or better.
Gross NPAs remain under control at 1.67%, with provision coverage of XXXX% and net NPAs at 0.41%.
₹131 billion in contingency provisions maintained, representing XXX% of net advances as an additional cushion.
Retail NPAs marginally rose to XXXX% but remain manageable given strong underwriting and collection efficiency.
Domestic corporate loans declined QoQ, showing calibrated growth and possible risk aversion in large-ticket lending.
CASA deposits grew XXXX% YoY, supported by XXXX% growth in current account balances and XXX% in savings.
Net interest margin remains healthy at 4.34%, driven by strong asset yields and better deposit cost management.
Core operating profit grew XXXX% YoY, indicating robust recurring income momentum.
Subsidiaries delivered well—ICICI Lombard, AMC, and Securities all posted sequential PAT growth.
Builder and NBFC exposures are tightly monitored, with only XXX% and <0.5% of the portfolios rated BB or below.
Overseas book forms only XXX% of the total, ensuring limited international risk and strong domestic focus.
Capital adequacy ratio stands at 16.97%, well above regulatory thresholds, allowing growth without dilution.
ESG initiatives include ₹296 billion green finance exposure and a 2032 carbon neutrality target.
Total branch count crossed XXXXX with a wide semi-urban and rural presence, supporting inclusive growth and reach.
XXX engagements
Related Topics credit cards banking mergers and acquisitions stocks