ICICI Bank (ICICIBANK) Q4 25/26 earnings summary

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.