ICICI Bank announced its Q2 FY2026 results, reporting a 5.2% year-on-year increase in profit after tax to ₹12,359 crore. Core operating profit grew by 6.5% year-on-year to ₹17,078 crore. The bank’s net NPA ratio stood at 0.39% as of September 30, 2025. Average deposits increased by 9.1% year-on-year, reflecting sustained business momentum.
Financial Performance Highlights
ICICI Bank reported a profit after tax of ₹12,359 crore for Q2 FY2026, a 5.2% increase compared to ₹11,746 crore in Q2 FY2025. The core operating profit grew by 6.5% year-on-year, reaching ₹17,078 crore. Net interest income (NII) also saw growth, increasing by 7.4% year-on-year to ₹21,529 crore. Net interest margin stood at 4.30% for the quarter.
Asset Quality and Growth
The bank’s asset quality remained strong, with the net NPA ratio at 0.39% as of September 30, 2025. The domestic loan portfolio experienced a growth of 10.6% year-on-year. Average deposits grew by 9.1% year-on-year, showcasing continued customer confidence and business traction.
Key Ratios and Capital Adequacy
The average current account and savings account (CASA) ratio was 39.2% in Q2 FY2026. Including profits for the six months ended September 30, 2025, the bank’s total capital adequacy ratio was 17.00% and CET-1 ratio was 16.35% on a standalone basis.
Segmental Performance
The Retail Banking segment reported revenue of ₹40,758.81 crore in Q2 FY2026. The Wholesale Banking segment reported revenue of ₹21,111.95 crore. Treasury operations contributed ₹33,888.26 crore, and Other Banking activities accounted for ₹1,648.97 crore.
Board Appointment
The Board of Directors approved the appointment of Ms. Vijayalakshmi Iyer as an Additional (Independent) Director for a term commencing from December 1, 2025, to May 31, 2030, subject to shareholder approval.
Source: BSE
