ICICI Bank announced its Q3 FY2026 results, reporting a net profit of ₹11,318 crore. Net interest income increased by 7.7% year-on-year to ₹21,932 crore. The bank’s net NPA ratio stood at 0.37%. The Board has approved a two-year term extension for the MD & CEO. Average deposits increased by 8.7% year-on-year. The bank continues to focus on customer centricity and digital innovation.
Financial Performance Highlights
ICICI Bank announced its financial results for Q3 FY2026, showcasing the following key highlights:
- Net profit after tax: ₹11,318 crore
- Net interest income: Increased by 7.7% year-on-year to ₹21,932 crore
- Fee income: Grew by 6.3% year-on-year to ₹6,572 crore
- Net NPA ratio: 0.37% as of December 31, 2025
- Average deposits: Increased by 8.7% year-on-year
Loan Portfolio and Asset Quality
The bank’s domestic loan portfolio witnessed substantial growth:
- Domestic loan portfolio: Grew by 11.5% year-on-year
- Retail loan portfolio: Grew by 7.2% year-on-year, comprising 42.2% of the total portfolio
- Business banking portfolio: Grew by 22.8% year-on-year
Asset quality remained strong, with the net NPA ratio at 0.37%. Provisioning coverage ratio on non-performing loans was 75.4%.
Capital Adequacy
The bank maintained a robust capital position:
- CET-1 ratio: 16.46%
- Total capital adequacy ratio: 17.34%
Strategic Initiatives and Customer Centricity
ICICI Bank continues to prioritize customer-centric initiatives, including:
- Banking with Care for Senior Citizens: Conducting awareness programs and providing digital banking services.
- Secured Banking for Customers: Introducing SmartLock on iMobile and launching a new secure domain.
- Digital Lending Enhancement: Streamlining loan processes through digital channels.
Leadership and Outlook
The Board has approved the reappointment of Mr. Sandeep Bakhshi as the Managing Director and CEO, with an extension effective October 2026. The bank remains focused on sustainable growth and delivering value to its shareholders.
Additional Provisioning Details
RBI directed the bank to make a standard asset provision of ₹1,283 crore in respect of a portfolio of agricultural priority sector credit facilities. Excluding this, total provisions were ₹1,273 crore for Q3 FY2026.
Source: BSE
