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# India's ICICI Bank reports 16% rise in Q1 FY27 standalone net profit to ₹14,805 crore
- URL: https://www.theglobalbanker.com/icici-bank-q1-fy27-net-profit-rises-16-percent/
- Published: 2026-07-18T11:23:00.000Z
- Updated: 2026-10-02T00:30:51.000Z
- Description: ICICI Bank posted a 16% year-on-year jump in Q1 FY27 standalone net profit to ₹14,805 crore, with net interest income up 12.7% to ₹24,384 crore.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific

ICICI Bank reported standalone net profit of ₹14,805 crore for the quarter ended 30 June 2026, up 16% from the same period a year earlier, the lender said in its filings with the stock exchanges on Saturday. Consolidated profit after tax rose 14% year on year to ₹15,440 crore, an acceleration from standalone profit growth of 8.5% in the January-March quarter at India's second-largest private-sector bank.

Net interest income, the difference between the interest earned on loans and paid on deposits, increased 12.7% from a year earlier to ₹24,384 crore. Net interest margin was reported at 4.36% for the quarter, compared with 4.32% in the January-March quarter and 4.34% a year earlier.

#### FEES AND LOAN GROWTH

Fee income rose 23.5% year on year to ₹7,286 crore, and core operating profit increased 15.6% to ₹20,235 crore. 

Total advances grew 19.6% year on year, led by the business banking and rural portfolios, which grew 28.2% and 35.4% respectively, while the retail portfolio grew 12.0%. Period-end deposits rose 14.0%, and the average CASA ratio was 38.1%.

#### ASSET QUALITY

Provisions, excluding tax, fell 30.6% year on year to ₹1,260 crore. The gross NPA ratio eased to 1.38% at the end of June from 1.40% at the end of March, while the net NPA ratio rose to 0.35% from 0.33%. Gross NPA additions included ₹706 crore from the kisan credit card portfolio, which the bank said typically sees higher NPA additions in the first and third quarters of a financial year.

The bank continued to hold contingency provisions of ₹13,100 crore at the end of June. 

The total capital adequacy ratio was 16.84% and the CET1 ratio 16.19% on a standalone basis at the end of June. The bank also uploaded an investor presentation to its website for its earnings call with analysts and investors.