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Jun 30, 2025
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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.
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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