With respect to its deposit mobilization strategy, ICICI Bank is trying to be a primary banker for its customers, so that the flows remain within the bank for driving more transactions. For CA balances, its focus areas include capital markets, self-employed customers, MNCs, and GCC segments.
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With fiscal and monetary policy measures taken, benign inflation and the upcoming festive season, ICICI Bank Ltd.’s loan growth is expected to pick up especially on the retail side. The business banking segment should continue to be one of the growth drivers.
With respect to its deposit mobilization strategy, the bank is trying to be a primary banker for its customers, so that the flows remain within the bank for driving more transactions. For CA balances, its focus areas include capital markets, self-employed customers, MNCs, and GCC segments.
The full impact of the 50bps rate cut in Jun-25 will be reflected on lending yields in Q2 FY26, which will be partly offset by the savings account rate cut and some repricing in term deposits. The full impact of CRR cut will be felt in H2 FY26.
The asset quality across segments including retail, business banking, and corporate loans remains comfortable. While the credit costs will see some normalization, the bank does not expect a sharp increase in the same.
The bank’s main focus is on growing PBT excluding treasury.
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