The earnings call reflected a strong financial performance with significant profit growth, improved asset quality, and a robust capital position. However, challenges were noted in the rural segment and some underperformance in specific loan portfolios, such as auto loans and credit cards. Overall, the positive aspects significantly outweigh the negative, indicating a favorable outlook.

Company Guidance

During the Q1 FY '26 earnings call, ICICI Bank reported a year-on-year growth of 11.4% in profit before tax, excluding treasury, reaching INR 156.90 billion. The core operating profit increased by 13.6% year-on-year to INR 175.05 billion, while profit after tax rose by 15.5% to INR 127.68 billion. Total deposits grew by 12.8% year-on-year, with average deposits increasing by 11.2% year-on-year and 3.1% sequentially. The domestic loan portfolio grew by 12% year-on-year, with the retail loan portfolio showing a 6.9% increase. The bank maintained a strong capital position with a CET1 ratio of 16.31% and a total capital adequacy ratio of 16.97%. The net NPA ratio improved slightly to 0.41% from 0.43% a year ago. The bank's net interest income rose by 10.6% year-on-year to INR 216.35 billion, with a net interest margin of 4.34%. Non-interest income, excluding treasury, grew by 13.7% year-on-year to INR 72.64 billion. Despite challenges, the bank aims to drive risk-calibrated profitable growth by focusing on maintaining a strong balance sheet and delivering sustainable returns.

Strong Profit Growth

Profit before tax excluding treasury grew by 11.4% year-on-year to INR 156.90 billion, core operating profit increased by 13.6% year-on-year to INR 175.05 billion, and profit after tax grew by 15.5% year-on-year to INR 127.68 billion.

Deposit and Loan Growth

Total deposits grew by 12.8% year-on-year, and the domestic loan portfolio grew by 12% year-on-year. Business banking portfolio saw a notable growth of 29.7% year-on-year.

Improved Asset Quality

Net NPA ratio improved to 0.41% from 0.43% in the previous year, and the provisioning coverage ratio on nonperforming loans was maintained at 75.3%.

Strong Capital Position

CET1 ratio stood at 16.31% and total capital adequacy ratio at 16.97%, indicating a robust capital position.

Icici Bank (IBN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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IBN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 18, 2025	2026 (Q2)	0.35 / -	0.387	―	―	―
Jul 19, 2025	2026 (Q1)	0.40 / 0.41	0.373	11.26% (+0.04)
Apr 19, 2025	2025 (Q4)	0.39 / 0.41	0.363	14.33% (+0.05)
Jan 25, 2025	2025 (Q3)	0.38 / 0.39	0.352	11.36% (+0.04)
Oct 26, 2024	2025 (Q2)	0.37 / 0.39	0.352	9.94% (+0.04)
Jul 27, 2024	2025 (Q1)	0.36 / 0.37	0.332	12.35% (+0.04)
Apr 27, 2024	2024 (Q4)	0.36 / 0.36	0.319	13.79% (+0.04)
Jan 20, 2024	2024 (Q3)	0.35 / 0.35	0.291	20.96% (+0.06)
Oct 21, 2023	2024 (Q2)	0.34 / 0.35	0.265	32.83% (+0.09)
Jul 22, 2023	2024 (Q1)	0.32 / 0.33	0.239	38.91% (+0.09)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

IBN Earnings-Related Price Changes

No data currently available

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Icici Bank Limited (IBN) report earnings?

Icici Bank Limited (IBN) is schdueled to report earning on Oct 18, 2025, TBA (Confirmed).

What is Icici Bank Limited (IBN) earnings time?

Icici Bank Limited (IBN) earnings time is at Oct 18, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is IBN EPS forecast?

IBN EPS forecast for the fiscal quarter 2026 (Q2) is 0.36.

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