Q2 2026 ICICI Bank Ltd Earnings Call Transcript

Oct 18, 2025 / 11:30 AM GMT

Transcript

Key Points

Positve

ICICI Bank Ltd (IBN) reported a 9.1% year-on-year growth in profit before tax, excluding Treasury, indicating strong operational performance.
The core operating profit increased by 6.5% year-on-year, showcasing the bank's ability to enhance its operational efficiency.
The domestic loan portfolio grew by 10.6% year-on-year, reflecting robust demand and effective lending strategies.
The net NPA ratio improved to 0.39% from 0.41% in the previous quarter, indicating better asset quality management.
The bank's capital position remains strong with a CET1 ratio of 16.35% and a total capital adequacy ratio of 17%, ensuring financial stability and growth potential.

Negative

The rural loan portfolio declined by 1% year-on-year, indicating challenges in expanding this segment.
The overseas loan portfolio remains a small portion of the overall loan book at 2.3%, suggesting limited international expansion.
The profit after tax growth was relatively modest at 5.2% year-on-year, which may not meet investor expectations for higher profitability.
The bank's operating expenses increased by 12.4% year-on-year, driven by non-employee expenses, which could pressure future profitability.
The gross NPA additions from the retail and rural portfolios were significant, highlighting ongoing challenges in these segments.

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

ICBK.NS - ICICI Bank Ltd
Q2 2026 ICICI Bank Ltd Earnings Call
Oct 18, 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 Q2 F5 26 earnings conference call of ICSA Bank.

As a reminder, all participant lines will be in the 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 ICSA Bank.

Thank you and over to you, sir.

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Unidentified_2 [2]
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