ICICI Bank532174Banking
Analysis of ICICI Bank and ICICI Prudential's margin trends, with NII growth staying strong and insurance commission cuts likely to impact persistency ratio
By ScoutQuest · · 1 min read
Heard on business television between 12:23:28 - 12:26:28 IST.
- Margins declined despite flat funding cost, mainly due to FCNR deposit costs and lower yields on advances for around six quarters.
- Margins are expected to improve going forward as rate hike benefits come through, though FCNR deposit cost drag may continue in Q3, partly offsetting gains.
- IRDAI's draft paper proposing high commission cuts could improve the persistency ratio over time as insurance costs fall, aiding higher volumes.
- ICICI Bank's NII growth remained strong, led by corporate banking loan growth, with FCNR deployment expected over the next two quarters and credit card portfolio improvement seen in Q3.
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