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Earnings Call

ICICI Bank Earnings Call: Key Takeaways

ICICI Bank's Q4-2026 PAT grew 8.5% y-o-y to ₹137.02 billion, driven by solid loan growth (15.8% y-o-y) and stable net interest margins (4.32%).

Highlights
Revenue growthNet interest income grew 8.5% y-o-y in FY2026.
MarginsStable NIM at 4.32% for Q4-2026 and FY2026.
Demand visibilityStrong growth in business banking (24.4%) and rural loans (25.6%).

Growth

PAT increased 8.5% y-o-y; Total loans grew 15.8% y-o-y; Total deposits grew 11.4% y-o-y.

Outlook

Recommended dividend of ₹12 per share; maintaining strong capital adequacy with CET1 ratio of 16.35%.

Risks

Net NPA ratio at 0.33%; potential pressure from agricultural priority sector and BB and below corporate exposure.

Source

Earnings Call filed with NSE, NSE: ICICIBANK. Summary written with AI assistance from the document.

Read the document ↗

ICICI Bank Ltd: key numbers

Share price
₹1,302.00
Market cap
₹9,34,673 Cr
Revenue (annual)
₹1,95,218 Cr
Net profit (annual)
₹54,208 Cr
P/E (TTM)
16.7×Sector 21.7×
Promoter holding
0.00%+0.00% QoQ
FII holding
33.79%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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