India · Delayed Price · Currency is INR ICICI Bank Earnings Call Transcripts
Fiscal Year 2026
-
Profit before tax (ex-treasury) rose 10.1% YoY in Q4 FY26, with strong loan growth across retail, rural, and business banking. Asset quality improved, credit costs remained low, and capital adequacy was robust. Management expects stable margins and continued risk-calibrated growth.
-
Core operating profit grew 6% year-on-year, with stable NIM at 4.3% and strong loan growth. Additional RBI-mandated provisioning impacted reported profits, but capital and asset quality remain robust. Management expects growth momentum and stable margins to continue.
-
Profit before tax (excluding treasury) rose 9.1% year-on-year, with strong growth in business banking and stable asset quality. Margins are expected to remain range-bound, and capital adequacy remains robust, supporting continued expansion.
-
Profit after tax rose 15.5% year-over-year, with strong growth in business banking and stable asset quality. Margins declined slightly due to deposit repricing, while capital and liquidity positions remain robust. Management expects business banking to outpace overall loan growth.
Fiscal Year 2025
-
Profit before tax (ex-treasury) rose 13.2% year-over-year in Q4, with profit after tax up 18%. Loan and deposit growth remained strong, asset quality improved, and capital adequacy is robust. Management expects continued growth, especially in business banking, and stable credit costs.
-
Profit before tax (excluding treasury) rose 12.8% year-on-year, with profit after tax up 14.8%. Loan growth was strong across domestic, retail, and business banking segments, while asset quality remained stable and capital adequacy robust. Investments in technology and digital platforms continue to support operational efficiency and customer experience.
-
Profit before tax (ex-treasury) rose 7.9% year-over-year, with strong deposit and loan growth, stable asset quality, and robust capital ratios. Margins are expected to remain stable, with credit costs normalizing but still below historical levels.
-
Profit before tax (ex-treasury) rose 11.8% YoY, with PAT up 14.6% and strong deposit and loan growth. Asset quality remains robust, though NPA additions increased seasonally. Capitalization is strong, and digital initiatives continue to drive operational efficiency.