ALFA Finder| Margins | Healthy NIM at 4.3% in FY2026; Q1-2027 NIM at 4.36%. |
|---|---|
| Demand visibility | Strong credit demand reflected in 19.6% YoY advances growth. |
| Management confidence | High; strong capital adequacy (CET-1 at 16.19%) and prudent credit quality. |
Growth
PAT grew 15.9% YoY to ₹148.05 bn in Q1-2027; Advances grew 19.6% YoY to ₹16,312.60 bn.
Outlook
Focus on maintaining stable NIM (4.3%) and healthy RoA (2.49%) while expanding branch network (7,608 branches).
Risks
Moderate CASA ratio decline to 39.5%; potential impact from changing debt market investor sentiment.
Last quarter's promises, checked
Delivered
- Guided NIM range-bound for FY27 → delivered 4.36% in Q1-2027 (= BEAT)
- Guided credit cost under 50 bps → delivered 3 bps in Q1-2027 (= BEAT)
- Guided focus on asset quality (Net NPA 0.33%) → delivered 0.35% (= BEAT)
Partly delivered
- Guided deposit and credit growth in tandem → delivered 14.0% vs 19.6% (= PARTIAL)
Investor Presentation filed with BSE, NSE: ICICIBANK. Summary written with AI assistance from the document.
ICICI Bank Ltd: key numbers
- Share price
- ₹1,590.00
- Market cap
- ₹11,41,809 Cr
- Revenue (annual)
- ₹1,95,218 Cr
- Net profit (annual)
- ₹54,208 Cr
- P/E (TTM)
- 19.3×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 34.68%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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