Robust Loan Book Growth : The 15.7% growth in ICICI Bank's domestic loan portfolio is a primary driver for its net interest income, which, in turn, supports overall profitability. Investors view ICICI Bank's expanding loan book as a testament to its strong presence in retail and corporate lending. Diverse Revenue Streams : ICICI Bank's ability to generate income beyond traditional lending activities has provided stability to its earnings. The 10.8% YoY growth in non-interest income, primarily through fees, reflects a diversified revenue model that resonates well with long-term investors. Improving Asset Quality : The bank's gross NPA ratio improved to 1.97% as of September 2024, down from 2.15% in the previous quarter. Meanwhile, the net NPA ratio has declined slightly to 0.42%, reflecting the bank's strong asset quality and prudent risk management.