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ICICI Bank Limited (IN:ICICIBANK)
:ICICIBANK
India Market
ICICIBANK
ICICI Bank Limited
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ICICI Bank Limited (ICICIBANK) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jul 20, 2026
Before Open (Confirmed)
Period Ending
2027 (Q1)
Consensus EPS Forecast
18.91
Last Year’s EPS
17.9
Same Quarter Last Year
Analyst Consensus
Moderate Buy
Based on 2 Analysts Ratings

Earnings Call Summary

Q4 2026
Earnings Call Date:Apr 18, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call presents a predominantly positive performance with healthy loan and deposit growth, stable margins, improved asset quality and strong capital and liquidity metrics. Headline profitability increased YoY and subsidiaries showed overall improvement. Offsetting concerns include rising operating expenses, a contracting credit card book, an uptick in corporate NPA additions, a small treasury loss due to market and FX regulation impacts, and some international and underwriting pressures. Management emphasizes prudent provisioning, capital strength and calibrated growth amid external uncertainties.
Company Guidance
Management’s forward guidance was for risk‑calibrated profitable growth while maintaining a strong balance sheet and liquidity: targetable metrics highlighted include CET1 of 16.35% and total capital adequacy of 17.18% after the proposed INR 12/share dividend, an average LCR around 125–126%, and range‑bound NIMs near 4.32%; they expect credit cost to remain below 50 bps (38 bps in FY2026) with prudent provisioning (quarterly provisions INR 0.96bn = 0.5% of core operating profit; contingency provisions INR 131bn ≈ 0.9% of advances; total other provisions INR 227.1bn = 1.5% of loans). Management reiterated the aim to grow profit before tax excluding treasury (Q4: INR 182.09bn, +10.1% YoY; FY26: INR 650.21bn, +7.1% YoY) and PAT (Q4: INR 137.02bn, +8.5% YoY; FY26: INR 501.47bn, +6.2% YoY) by leveraging healthy funding (total deposits +11.4% YoY; average CA/SA deposits +11.3% YoY; cost of deposits 4.43%) and lending momentum (overall loans +15.8% YoY; domestic loans +15.3% YoY; retail +9.5%; rural incl. gold +25.6%; business banking +24.4%; domestic corporate +9%), while keeping operating expenses under control relative to revenue (OpEx +12% YoY in Q4; branches 7,511) and preserving asset quality (Net NPA 0.33%, PCR 75.8%).
Profit Growth (PBT and PAT)
Profit before tax excluding treasury grew 10.1% year-on-year to INR 182.09 billion in Q4 and 7.1% YoY to INR 650.21 billion for FY2026. Profit after tax rose 8.5% YoY to INR 137.02 billion in Q4 and 6.2% YoY to INR 501.47 billion for FY2026 (consolidated PAT Q4 INR 147.55 billion, +9% YoY).
Robust Loan and Deposit Growth
Overall loan portfolio grew 15.8% YoY and 6.0% sequentially; domestic loan portfolio grew 15.3% YoY. Total deposits increased 11.4% YoY and 8.1% sequentially with average CASA (current & savings) deposits up 11.3% YoY.
Strong Retail, Rural and Business Banking Momentum
Retail loans up 9.5% YoY (4.2% sequential); mortgage loans +13.2% YoY; rural portfolio grew 25.6% YoY and 18% sequentially; business banking rose 24.4% YoY and 7.6% sequentially. Retail (including non-fund) constituted ~41.7% of total portfolio.
Stable Margins and Net Interest Income
Net interest income increased 8.4% YoY to INR 229.79 billion in Q4 with net interest margin stable at 4.32% for the quarter and FY2026. Cost of deposits declined to 4.43% (from 4.55% prior quarter).
Healthy Asset Quality and Low Credit Cost
Net NPA ratio improved to 0.33% (0.37% in prior quarter, 0.39% a year ago). Provision coverage on NPAs was 75.8%. Credit cost for FY2026 was 38 basis points; total provisions in the quarter were very low at INR 0.96 billion (0.5% of core operating profit).
Strong Capital and Liquidity Position
CET1 ratio stood at 16.35% and total capital adequacy at 17.18% at March 31, 2026 (after proposed dividend). Average Liquidity Coverage Ratio for the quarter was ~126%.
Fee and Non-Interest Income Growth
Non-interest income excluding treasury rose 5.6% YoY to INR 74.15 billion in Q4. Fee income increased 7.5% YoY to INR 67.79 billion, with ~78% of fees from retail, rural and business banking customers.
Subsidiary Performance Highlights
ICICI Life APE increased to INR 106.41 billion (from INR 104.07 billion); Value of New Business rose to INR 26.29 billion (VNB margin 24.7% vs 22.8%). ICICI General gross direct premium increased to INR 287.12 billion; ICICI AMC, ICICI Securities and ICICI Bank U.K. reported YoY PAT improvements.
Branch Expansion and Technology Investment
Branch network increased by 126 in Q4 and 528 in FY2026 to 7,511 branches. Technology expenses were ~11% of operating expenses for FY2026, reflecting continued digital investment.

ICICI Bank Limited (IN:ICICIBANK) Earnings, Revenues Date & History

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IN:ICICIBANK Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jul 20, 2026
2027 (Q1)
18.91 / -
17.9―――
Apr 18, 2026
2026 (Q4)
18.08 / 19.10
17.7157.82% (+1.39)――
Jan 17, 2026
2026 (Q3)
17.46 / 15.80
16.7-5.39% (-0.90)――
Oct 18, 2025
2026 (Q2)
16.98 / 17.30
16.73.59% (+0.60)――
Jul 19, 2025
2026 (Q1)
17.03 / 17.90
15.714.01% (+2.20)――
Apr 19, 2025
2025 (Q4)
16.86 / 17.71
15.216.55% (+2.52)――
Jan 25, 2025
2025 (Q3)
16.28 / 16.70
14.614.38% (+2.10)――
Oct 26, 2024
2025 (Q2)
15.71 / 16.70
14.614.38% (+2.10)――
Jul 27, 2024
2025 (Q1)
14.97 / 15.70
13.813.77% (+1.90)――
Apr 27, 2024
2024 (Q4)
14.87 / 15.20
13.0616.39% (+2.14)――
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 (IN:ICICIBANK) report earnings?
ICICI Bank Limited (IN:ICICIBANK) is schdueled to report earning on Jul 20, 2026, Before Open (Confirmed).
    What is ICICI Bank Limited (IN:ICICIBANK) earnings time?
    ICICI Bank Limited (IN:ICICIBANK) earnings time is at Jul 20, 2026, Before Open (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?
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          What is the P/E ratio of ICICI Bank Limited stock?
          The P/E ratio of ICICI Bank Limited is N/A.
            What is IN:ICICIBANK EPS forecast?
            IN:ICICIBANK EPS forecast for the fiscal quarter 2027 (Q1) is 18.91.