ICICI Bank (ICICIBANK) investor relations material

Executive summary

• Profit before tax (excluding treasury) rose 10.1% year-over-year to INR 182.09 billion in Q4 FY26 and 7.1% to INR 650.21 billion for the year; quarter-over-quarter growth was 21.7%.

• Core operating profit increased 5.1% year-over-year to INR 183.05 billion in Q4 and 7.7% to INR 704.01 billion for FY26; quarter-over-quarter growth was 4.5%.

• Profit after tax grew 8.5% year-over-year to INR 137.02 billion in Q4 and 6.2% to INR 501.47 billion for FY26; quarter-over-quarter growth was 21.1%.

• Consolidated profit after tax rose 9% year-over-year to INR 147.55 billion in Q4 and 6.2% to INR 542.08 billion for FY26.

• Board recommended a dividend of INR 12 per share for FY26, subject to approvals.

Financial highlights

• Net interest income up 8.4% year-over-year to INR 229.79 billion in Q4; net interest margin at 4.32%.

• Core operating profit for Q4-2026 reached INR 183.05 billion, up 5.1% year-over-year.

• Provisions dropped to INR 96 million in Q4-2026 from INR 891 million in Q4-2025.

• Total deposits grew 11.4% year-over-year to INR 1,794,625 crore at March 31, 2026; average CASA deposits increased 11.3% year-over-year.

• Overall loan portfolio (including international) grew 15.8% year-over-year to INR 1,553,893 crore at March 31, 2026.

Outlook and guidance

• Management expects continued risk-calibrated profitable growth and market share gains across key segments.

• Focus remains on maintaining strong balance sheet, prudent provisioning, and sustainable returns.

• Margins expected to remain range-bound; deposit growth seen as adequate to support loan growth.

• Board renewed fund-raising limits for debt securities up to INR 250 billion domestically and USD 1.5 billion overseas for one year.

• Forward-looking statements caution on regulatory, economic, and market risks.