Icici Bank Limited (IBN)
NYSE:IBN
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Earnings Data
Report Date
Jul 20, 2026TBA (Confirmed)
Period Ending
2027 (Q1)Consensus EPS Forecast
0.41Last Year’s EPS
0.41Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a broadly positive operational and financial performance: strong loan growth (particularly in rural and business banking), healthy NII and core operating profit expansion, improved asset quality (net NPA down) and robust capital and liquidity positions. Subsidiaries showed solid contributions and a dividend was proposed. Offsetting these positives were areas of caution—credit card contraction and lower revolvers, a pickup in corporate NPA additions, elevated operating expense growth, a small treasury loss driven by FX rules, and deposit growth trailing loan growth at period-end. Provisioning was unusually low in the quarter (helped by recoveries), which could introduce volatility if recoveries slow. Overall, the positives outweigh the negatives but with watchpoints around cards, corporate slippages and cost trajectory.Company Guidance
Strong Profit Growth (Excluding Treasury)
Profit before tax excluding treasury rose 10.1% YoY to INR 182.09 billion in Q4 and 7.1% YoY to INR 650.21 billion for FY2026, reflecting healthy operating profitability momentum.
Core Operating Profit and PAT Expansion
Core operating profit increased 5.1% YoY in Q4 to INR 183.05 billion (7.7% YoY for FY to INR 704.01 billion). Profit after tax grew 8.5% YoY in Q4 to INR 137.02 billion and 6.2% YoY for FY to INR 501.47 billion (consolidated PAT ~+9% YoY to INR 147.55 billion in Q4).
Robust Loan Growth
Overall loan portfolio expanded 15.8% YoY and 6.0% sequentially (domestic loans +15.3% YoY, +5.6% seq). Retail loans grew 9.5% YoY (+4.2% seq); business banking +24.4% YoY (+7.6% seq); rural (incl. gold) surged +25.6% YoY and +18% sequentially.
Healthy Deposit Franchise and Liquidity
Total deposits grew 11.4% YoY and 8.1% sequentially; average CASA/CURRENT & SAVINGS deposits +11.3% YoY (+2.7% seq). The bank reported an average LCR of ~126% for the quarter, indicating strong liquidity coverage.
Improving Asset Quality Metrics
Net NPA ratio improved to 0.33% (from 0.37% in prior quarter and 0.39% YoY). Gross NPA additions were lower YoY (INR 42.42 billion vs INR 51.42 billion), and the provisioning coverage ratio stood at 75.8% with additional contingency provisions of INR 131 billion (~0.9% of advances).
Strong Capital Position
CET1 ratio of 16.35% and total capital adequacy of 17.18% at March 31, 2026 (post proposed dividend), providing capital headroom to support growth.
Net Interest Income and Stable Margins
Net interest income rose 8.4% YoY (INR 229.79 billion in Q4) with NIM at 4.32% for the quarter and FY2026 (broadly stable YoY), while cost of deposits eased to 4.43% from 4.55%.
Subsidiary Performance and Business Franchise
ICICI Life APE increased to INR 106.41 billion and VNB to INR 26.29 billion (VNB margin 24.7% vs 22.8% prior year); ICICI General gross direct premium rose to INR 287.12 billion and PAT improved to INR 27.72 billion; AMC and Securities reported higher PATs—broad improvement across subsidiaries.
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 Limited (IBN) report earnings?
Icici Bank Limited (IBN) is schdueled to report earning on Jul 20, 2026, TBA (Confirmed).
What is Icici Bank Limited (IBN) earnings time?
Icici Bank Limited (IBN) earnings time is at Jul 20, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is IBN EPS forecast?
IBN EPS forecast for the fiscal quarter 2027 (Q1) is 0.41.