23/4/2025, 10:43:03 am

ICICI Bank dethrones HDFC Bank on every financial metric

HDFC Bank enters the Rs 15 lakh crore market cap club, yet ICICI Bank outperforms with 15% profit growth (vs. HDFC's 11%), higher NIM (4.41% vs. 3.65%), and stronger loan and deposit growth (14% each). ICICI's loan-to-deposit ratio (82.4%) is better than HDFC's 96.5%. ICICI is favored short-term for its efficiency, though HDFC may improve post-merger.