ICICI Bank posted net profit of Rs 1,020 crore in March 2018 quarter, which was down by a massive 49.62% from Rs 2,024.64 crore in the corresponding period of previous year. Q4FY18 net profit was also poor compared to earnings of Rs 1,650 crore of preceding quarter, as they witnessed a decline of 38.19%. However, net interest income (NII) came in at Rs 6,061.67 crore this quarter, registering gradual increase of 1.67% from Rs 5,962.16 crore in Q4FY17 and also up by 6.25% from Rs 5,705.27 crore of Q3FY18. 

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Here's the bank's financial performance in Q4FY18 at a glance. 

The year-on-year growth in domestic advances was 15% at March 31, 2018. The Bank has continued to leverage its strong retail franchise, resulting in a year-on-year growth of 21% in the retail portfolio at March 31, 2018.

Retail portfolio constituted about 57% of the loan portfolio of the Bank at March 31, 2018. 

Total advances increased by 10% year-on-year to Rs 512,395 crore (US$ 78.6 billion) at March 31, 2018 from Rs 464,232 crore (US$ 71.2 billion) at March 31, 2017.

CASA deposits increased by 17% year-on-year to Rs 289,925 crore (US$ 44.5 billion) at March 31, 2018. 

The Bank’s CASA ratio was 51.7% at March 31, 2018 compared to 50.4% at December 31, 2017 and 50.4% March 31, 2017. The average CASA ratio increased to 45.9% in Q4-2018 from 45.7% in Q3- 2018.

Total deposits increased by 14% year-on-year to Rs 560,975 crore (US$ 86.1 billion) at March 31, 2018. The Bank had a network of 4,867 branches and 14,367 ATMs at March 31, 2018.

The Bank’s capital adequacy at March 31, 2018 as per Reserve Bank of India’s guidelines on Basel III norms was 18.42% and Tier-1 capital adequacy was 15.92% compared to the regulatory requirements of 10.98% and 8.98% respectively.

In FY2018, debit card transactions and credit card transactions increased by 25% y-o-y and 26% y-o-y respectively.

Over 13 million Unified Payment Interface (UPI) Virtual Payment Addresses have been created using the Bank’s and partners’ platforms till March 31, 2018. 

Digital channels like internet, mobile banking, POS and others accounted for about 82% of the savings account transactions in FY2018 compared to 75% in FY2017 driven by growth in the share of mobile banking transactions.

The domestic net interest margin (NIM) was 3.67% and the overall net interest margin was 3.24% in Q4-2018. This was rise from previous quarter, where NIM stood at 3.14%. 

ICICI Bank surprisingly recorded provisions of Rs 6,625.75 crore in Q4FY18, surging by a whopping 128.61% as against Rs 2,898.22 crore a year ago same period. Also current provisions rose by 85.61% versus Rs 3,569.66 crore of preceding quarter. 

Gross non-performing assets (GNPA) of ICICI Bank stood at Rs 54,062.51 crore this quarter, higher by 27.05% from GNPA of Rs 42,551.54 crore in Q4FY17 and also up by 17.43% from Rs 46,038.70 crore in Q3FY18. 

In percentage terms, GNPA was at 8.84% in Q4FY18 higher from 7.82% in Q4FY17 and 7.89% in Q3FY18.