Q1 2026 ICICI Bank Ltd Earnings Call Transcript

Jul 19, 2025 / 11:30 AM GMT

Transcript

Key Points

Positve

ICICI Bank Ltd (IBN) reported a 15.5% year-on-year increase in profit after tax, reaching ₹127.68 billion for the quarter.
The bank's core operating profit increased by 13.6% year-on-year to ₹175.05 billion.
Total deposits grew by 12.8% year-on-year, with average deposits increasing by 11.2% year-on-year and 3.1% sequentially.
The business banking portfolio showed strong growth, increasing by 29.7% year-on-year and 3.7% sequentially.
ICICI Bank Ltd (IBN) maintained a strong capital position with a CET1 ratio of 16.31% and a total capital adequacy ratio of 16.97%.

Negative

The rural loan portfolio declined by 0.4% year-on-year and 1.5% sequentially.
The retail loan portfolio growth was modest, increasing by only 6.9% year-on-year and 0.5% sequentially.
The net interest margin decreased to 4.34% from 4.41% in the previous quarter.
There were net additions of ₹30.34 billion to gross NPAs, indicating ongoing challenges in asset quality.
The overseas loan portfolio remained small, constituting only 2.4% of the overall loan book.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ICBK.NS - ICICI Bank Ltd
Q1 2026 ICICI Bank Ltd Earnings Call
Jul 19, 2025 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q1 FY26 earnings conference call of ICICA Bank.

As a reminder, all participant lines will be in listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Sandeep Bakshi, managing director and Chief Executive Officer of ICIA Bank.

Thank you and and over to you, sir.

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Unidentified_2 [2]
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