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Dec 31, 2025
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ICICI Bank Q3 2026 Earnings Report
ICICI Bank reported solid results in Q3 2026 with stable profitability and strong growth in core operations.
Key Takeaways
ICICI Bank posted a net income of $1.3 billion and revenue of $3.24 billion for Q3 2026, supported by growth in net interest and fee income, despite a rise in provisions.
Net income for Q3 2026 was $1.3 billion, slightly lower than the previous year.
Revenue reached approximately $3.24 billion, driven by higher net interest income.
Provisions surged to $284 million due to regulatory requirements on agricultural sector loans.
Net NPA ratio improved to 0.37%, reflecting asset quality strength.
Forward Guidance
ICICI Bank remains optimistic about continued loan growth and stable margins, though it remains cautious on regulatory provisioning and rural portfolio compliance.
Positive Outlook
- Strong growth in domestic loan book (11.5% YoY).
- Retail and business banking portfolio showed resilience.
- CASA ratio maintained at 39%.
- Capital adequacy ratio at 17.34%, well above regulatory requirement.
- Improved asset quality metrics.
Challenges Ahead
- Higher provisions due to regulatory scrutiny of agri-loans.
- Treasury losses of $17 million impacting bottom line.
- Moderation in profit growth versus prior year.
- Rising operating expenses driven by labor code provisions.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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