Archive · 20 Jul 2026
ICICI Bank Outperforms HDFC Bank in Key Metrics
ICICI Bank and HDFC Bank are two of India's biggest private banks.
Recently, ICICI Bank has been doing better than HDFC Bank in some important areas.
ICICI Bank made more profit compared to last year, and it's making better use of its money to earn more.
HDFC Bank is still bigger, but it's having some problems because it recently merged with another company.
This merger is making it harder for HDFC Bank to grow and make as much money as ICICI Bank.
Even though HDFC Bank has more loans and deposits, ICICI Bank is growing faster and making more money from its loans.
This is why ICICI Bank's stock is doing better than HDFC Bank's stock.
ICICI Bank reported a 15.9% increase in net profit, while HDFC Bank reported a 5% increase.
ICICI Bank has stronger return ratios with RoA at 2.5% and RoE at 17%, compared to HDFC Bank's 1.9% and 14% respectively.
ICICI Bank's advances grew 19.6% year-on-year, while HDFC Bank's gross advances rose 15.4%.
HDFC Bank's net interest margin contracted to 3.26%, while ICICI Bank's NIM stood at 4.36%.
ICICI Bank shares have outperformed HDFC Bank shares over the past year and three years.
- Who
- ICICI Bank and HDFC Bank
- What
- Performance comparison of ICICI Bank and HDFC Bank in Q2
- When
- June-quarter results
- Where
- India
- Why
- To analyze the financial performance and growth metrics of the two largest private sector lenders in India
ICICI Bank
HDFC Bank
Growth and Profitability
ICICI Bank
ICICI Bank reported a 15.9% increase in net profit, stronger return ratios (RoA: 2.5%, RoE: 17%), and higher net interest income growth (12.7%).
HDFC Bank
HDFC Bank reported a 5% increase in net profit, lower return ratios (RoA: 1.9%, RoE: 14%), and net interest income growth of 6.7%.
Loan and Deposit Growth
ICICI Bank
ICICI Bank's advances grew 19.6% year-on-year, with retail loan growth returning to double digits.
HDFC Bank
HDFC Bank's gross advances rose 15.4%, but retail loan growth remained relatively subdued at around 7%.
Stock Performance
ICICI Bank
ICICI Bank shares gained 1.32% and have outperformed over the past year and three years.
HDFC Bank
HDFC Bank shares fell 5.12% and have declined 22.2% over the past year and 7.9% over three years.
- Net Profit (Q2)
- ICICI Bank: Rs 14,804.5 crore (up 15.9%), HDFC Bank: Rs 19,060 crore (up 5%)
- Return on Assets (RoA)
- ICICI Bank: 2.5%, HDFC Bank: 1.9%
- Return on Equity (RoE)
- ICICI Bank: 17%, HDFC Bank: 14%
- Net Interest Income Growth
- ICICI Bank: 12.7%, HDFC Bank: 6.7%
- Loan Growth
- ICICI Bank: 19.6%, HDFC Bank: 15.4%
- Deposit Growth
- ICICI Bank: 14%, HDFC Bank: 14.7%
- Gross NPA Ratio
- ICICI Bank: 1.38%, HDFC Bank: 1.17%
- Net NPA Ratio
- ICICI Bank: 0.35%, HDFC Bank: 0.41%