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Jun 30
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ICICI Bank Q1 2026 Earnings Report
ICICI Bank reported solid Q1 results with growth in profit, interest income, and stable asset quality.
Key Takeaways
ICICI Bank delivered a strong Q1 FY26 with ₹127.68 billion in net income and ₹216.35 billion in net interest income. Operating profit remained strong as provisions increased moderately. EPS stood at ₹71.6.
Profit after tax rose to ₹127.68 billion, driven by robust interest and dividend income.
Net interest income grew to ₹216.35 billion, showing strength in lending activity.
Asset quality remained stable with a Net NPA ratio of 0.41%.
Core operating profit reached ₹175.05 billion despite an uptick in provisions.
ICICI Bank
ICICI Bank
Forward Guidance
ICICI Bank remains confident in sustaining credit growth, digital adoption, and asset quality improvements, while acknowledging macroeconomic headwinds.
Positive Outlook
- Strong growth in retail and business banking portfolios.
- Sustained improvement in net interest margins.
- Healthy capital adequacy ratio above regulatory norms.
- Digital channels continue to drive operational efficiency.
- Positive momentum in core operating profitability.
Challenges Ahead
- Sequential decline in domestic corporate lending.
- Slight uptick in net NPAs in the quarter.
- Elevated provisioning compared to Q4 FY25.
- Net interest margin declined marginally from Q4 FY25.
- Retail loan growth remained moderate at 6.9% YoY.