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.
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