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Edge26 Jun 2026
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ICICI Bank
ICICI Bank (ICICIBANK) investor relations material
ICICI Bank Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 25/26 earnings summary18 Apr, 2026
Executive summary
Profit before tax (excluding treasury) rose 10.1% year-over-year to ₹182.09 billion in Q4 FY26 and 7.1% to ₹650.21 billion for the year; quarter-over-quarter growth was 21.7%.
Core operating profit increased 5.1% year-over-year to ₹18,305 crore (₹183.05 billion) in Q4 and 7.7% to ₹70,401 crore for FY26.
Profit after tax grew 8.5% year-over-year to ₹13,702 crore (₹137.02 billion) in Q4 and 6.2% to ₹50,147 crore for FY26.
Consolidated profit after tax rose 9% year-over-year to ₹14,755 crore (₹147.55 billion) in Q4 and 6.2% to ₹54,208 crore for FY26.
Board recommended a dividend of ₹12 per share for FY26, subject to approvals.
Financial highlights
Net interest income rose 8.4% year-over-year to ₹22,979 crore (₹229.79 billion) in Q4; net interest margin was 4.32%.
Core operating profit for Q4-2026 reached ₹18,305 crore (₹183.05 billion), up 5.1% year-over-year.
Provisions (excluding tax) dropped to ₹96 crore in Q4-2026 from ₹891 crore in Q4-2025.
Total deposits grew 11.4% year-over-year to ₹17,94,625 crore at March 31, 2026; average CASA deposits increased 11.3%.
Total loan portfolio increased 15.8% year-over-year to ₹15,53,893 crore at March 31, 2026.
Outlook and guidance
Management expects to maintain a strong balance sheet, prudent provisioning, and healthy capital levels.
Focus remains on risk-calibrated profitable growth, expanding retail and business banking, and leveraging franchise for market share gains.
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 ₹250 billion domestically and USD 1.5 billion overseas for one year.
Forward-looking statements caution on regulatory, economic, and market risks.
Reason for the 1,283 crore agricultural provision
Goodwill from ICICI Securities and AMC deals
Approved limits for domestic and overseas debt
Factors behind y-o-y credit card contraction
Analyze the Q4-2026 treasury segment loss
Details on the 12.83 bn agricultural provision
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Latest events from ICICI Bank
- Profit after tax up 14.6% year-over-year, with strong loan and deposit growth and stable asset quality.ICICIBANK
Q1 24/252 Feb 2026 - 6% core profit growth, improved asset quality, and strong capital ratios despite higher provisions.ICICIBANKQ3 25/2619 Jan 2026
- Profit after tax up 14.5% year-over-year, with strong loan growth and digital expansion.ICICIBANKQ2 24/2518 Jan 2026
- Q3-2025 profit after tax rose 14.8% year-on-year, with stable asset quality and strong capital ratios.ICICIBANKQ3 24/259 Jan 2026
- Q4-2025 profit after tax up 18% year-over-year, with improved asset quality and a proposed ₹11 dividend.ICICIBANKQ4 24/2521 Dec 2025
- PAT up 15.5% YoY, strong loan and deposit growth, improved asset quality, and higher capital ratios.ICICIBANKQ1 25/264 Nov 2025
- Profit before tax up 9.1% year-on-year; loan growth and asset quality remain strong.ICICIBANKQ2 25/2620 Oct 2025
- Double-digit growth in profits and deposits, with strong asset quality and ESG progress.ICICIBANKAGM 2025 Presentation18 Oct 2025
Next ICICI Bank earnings date
Q1 26/2718 Jul, 2026
ICICI Bank
Next ICICI Bank earnings date
Q1 26/2718 Jul, 2026
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