ALFA Finder| Revenue growth | NII increased 12.7% YoY to ₹24,384 crore. |
|---|---|
| Margins | NIM improved to 4.36%, aided by 8bps tax refund benefit. |
| Demand visibility | Strong credit demand across segments, particularly corporate working capital. |
| Management confidence | High; citing resilient Indian economy and healthy capital adequacy. |
Growth
NII grew 12.7% YoY; core operating profit rose 15.6% YoY; total loan portfolio grew 19.6% YoY.
Outlook
Management expects range-bound NIM in FY27; focus on scaling AI/Generative AI use cases; no specific growth targets provided.
Risks
Potential NIM dilution from FCNR(B) deposits; geopolitical uncertainties in West Asia; seasonal slippages in agriculture portfolio.
Last quarter's promises, checked
Delivered
- Guided range-bound NIM for FY27 → delivered 4.36% (= BEAT)
- Guided risk-calibrated growth → delivered 19.6% YoY loan growth (= BEAT)
- Guided focus on quality customers → delivered 0.33% Net NPA (= BEAT)
Partly delivered
- Guided credit cost under 50bps → delivered 38bps but with seasonal agri slippages (= PARTIAL)
Earnings Call Transcript 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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