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Icici Bank (IBN)
NYSE:IBN
Earnings Data
Report Date
Apr 20, 2026TBA (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
0.4Last Year’s EPS
0.42Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call presents a constructive operating picture: healthy loan and deposit growth, solid NII growth, stable NIMs, strong capital and liquidity metrics, and improved adjusted profitability after excluding an RBI-directed one-off provisioning item. Counterbalancing this are the RBI-directed INR 12.83 billion standard provision for a PSL-related agricultural portfolio, a year-on-year decline in reported PAT, a treasury loss, continued gross NPA additions (albeit lower than prior year), a weak quarter for some subsidiaries (notably general insurance combined ratio >100 and weaker international profits), a contraction in the credit card book, and above‑trend operating expense growth (including labor-code related provisions). On balance the core franchise and balance-sheet metrics are resilient and the management presented remediation plans for the PSL issue and confidence about margin and growth momentum, so the positives modestly outweigh the negatives.Company Guidance
Core operating profit growth
Core operating profit increased 6% year-on-year and 2.5% quarter-on-quarter to INR 175.13 billion in Q3 FY2026.
Strong net interest income and stable margin
Net interest income rose 7.7% year-on-year to INR 219.32 billion while net interest margin remained stable at 4.3% (flat sequentially, up from 4.25% YoY).
Healthy loan growth across the book
Domestic loan portfolio grew 11.5% year-on-year and 4.0% sequentially; retail loans +7.2% YoY, mortgages +11.1% YoY, business banking +22.8% YoY and domestic corporate +5.6% YoY.
Deposit momentum and CASA trends
Average deposits grew 8.7% year-on-year and 1.8% sequentially; average CASA (current + savings) grew 8.9% YoY and 1.5% QoQ. Total deposits were up 9.2% YoY and 2.9% sequentially as of Dec 31, 2025.
Capital, liquidity and provisions strength
CET1 ratio was strong at 16.46% and total capital adequacy at 17.34% (including 9-month profits). Average quarter LCR was ~126%. Provisioning coverage ratio on NPAs was 75.4% and the bank held contingency provisions of INR 131 billion (~0.9% of advances).
Non-interest income and fee resilience
Non‑interest income excluding treasury grew 12.4% YoY to INR 75.25 billion; fee income rose 6.3% YoY to INR 65.72 billion with ~78% of fees from retail, rural and business banking customers.
Adjusted earnings performance (ex-RBI directed provisioning)
After excluding the INR 12.83 billion RBI-directed standard asset provision, profit before tax (ex-treasury) would have increased 6.2% YoY to INR 162.40 billion and profit after tax would have increased 4.1% YoY to INR 122.80 billion; adjusted ROA and ROE would be 2.3% and 15.5% respectively.
Branch expansion and technology investment
Branch network increased by 402 over 9 months to 7,385 branches; technology expenses were ~11% of operating expenses in the 9 months, signaling continued investment in delivery and digital capabilities.
IBN Earnings History
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
FAQ
When does Icici Bank (IBN) report earnings?
Icici Bank (IBN) is schdueled to report earning on Apr 20, 2026, TBA (Confirmed).
What is Icici Bank (IBN) earnings time?
Icici Bank (IBN) earnings time is at Apr 20, 2026, 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 (Q4) is 0.4.