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ICICI Bank Limited (IN:ICICIBANK)
:ICICIBANK
Earnings Data
Report Date
Apr 18, 2026Before Open (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
18.29Last Year’s EPS
17.72Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominantly positive underlying performance: healthy loan and deposit growth, stable margins, strong capital and liquidity, improving net NPAs and solid subsidiary VNB/AMC performance. Key challenges included a regulatory-mandated INR 12.83 billion standard provisioning for a PSL-related portfolio, softness in the credit card book, higher operating expenses (including a labor-code related provision), a treasury loss, and some NPA additions and write-offs. Management provided context that core profitability would have grown year-on-year after adjusting for the additional provision and reiterated a range-bound view on margins and focus on risk-calibrated growth and remediation of the PSL issue.Company Guidance
Core Operating Profit Growth
Core operating profit increased 6.0% year-on-year and 2.5% quarter-on-quarter to INR 175.13 billion in Q3 FY2026.
Net Interest Income and Stable Margins
Net interest income rose 7.7% year-on-year and 1.9% sequentially to INR 219.32 billion. Net interest margin (NIM) remained stable at ~4.3% (Q3 FY2026), unchanged sequentially and up from 4.25% YoY.
Healthy Deposit Franchise
Average deposits grew 8.7% year-on-year and 1.8% sequentially; total deposits up 9.2% YoY and 2.9% QoQ as of Dec 31, 2025. Average CASA (current & savings) deposits grew 8.9% YoY and 1.5% QoQ.
Robust Loan Growth Across Segments
Domestic loan portfolio grew 11.5% year-on-year and 4.0% sequentially; overall loan book (including international) grew 11.5% YoY and 4.1% QoQ. Key segment growth: retail +7.2% YoY, mortgages +11.1% YoY, business banking +22.8% YoY, rural +4.9% YoY, domestic corporate +5.6% YoY.
Strong Capital and Liquidity Metrics
CET1 ratio at 16.46% and total capital adequacy ratio at 17.34% (including 9 months profits). Average Liquidity Coverage Ratio (LCR) for the quarter ~126%.
Asset Quality and Provision Coverage
Net NPA ratio improved to 0.37% (Dec 31, 2025) from 0.42% YoY and 0.39% QoQ. Provision coverage ratio on NPAs was 75.4%. The bank holds contingency provisions of INR 131 billion (~0.9% of advances) and total non-specific provisions of INR 226.57 billion (1.5% of loans).
Non-Interest Income and Fee Growth
Non-interest income (excluding treasury) increased 12.4% year-on-year 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.
Subsidiary & Business Wins
ICICI AMC PAT rose to INR 9.17 billion (from INR 6.32 billion YoY). ICICI Life: value of new business increased to INR 16.64 billion (9M) with VNB margin 24.4% vs 22.8% prior year. ICICI General gross direct premium grew to INR 70.41 billion from INR 62.14 billion YoY.
Branch Expansion and Technology Investment
Branch count increased by 402 in 9 months to 7,385 branches; technology spend was ~11% of operating expenses in the 9-month period, indicating ongoing investment in delivery capabilities.
IN:ICICIBANK 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 (IN:ICICIBANK) report earnings?
ICICI Bank Limited (IN:ICICIBANK) is schdueled to report earning on Apr 18, 2026, Before Open (Confirmed).
What is ICICI Bank Limited (IN:ICICIBANK) earnings time?
ICICI Bank Limited (IN:ICICIBANK) earnings time is at Apr 18, 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?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
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 2026 (Q4) is 18.29.