Q3 2026 ICICI Bank Ltd Earnings Call Transcript

Jan 17, 2026 / 11:30 AM GMT

Transcript

Key Points

Positve

ICICI Bank Ltd (IBN) reported a 6% year-on-year increase in core operating profit, reaching ₹175.13 billion.
The domestic loan portfolio grew by 11.5% year-on-year, indicating strong lending growth.
The bank's net NPA ratio improved to 0.37% from 0.39% in the previous quarter, reflecting better asset quality.
ICICI Bank Ltd (IBN) maintained a strong capital position with a CET1 ratio of 16.46% and a total capital adequacy ratio of 17.34%.
The bank's average Liquidity Coverage Ratio (LCR) was about 126%, indicating a robust liquidity position.

Negative

Profit before tax excluding Treasury decreased to ₹149.57 billion from ₹152.89 billion in the same quarter last year.
The credit card portfolio declined by 3.5% year-on-year and 6.7% sequentially, indicating challenges in this segment.
The bank had to make an additional standard asset provision of ₹12.83 billion due to regulatory compliance issues.
Operating expenses increased by 13.2% year-on-year, which could pressure profit margins.
The profit after tax decreased to ₹113.18 billion from ₹117.92 billion in the same quarter last year.

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

ICBK.NS - ICICI Bank Ltd
Q3 2026 ICICI Bank Ltd Earnings Call
Jan 17, 2026 / 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 ICHA Bank Limited Q3 F 526 earnings conference call.

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 this 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 ICICI Bank.

Thank you and over to you, sir.

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Unidentified_2 [2]

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