Q1 2027 ICICI Bank Ltd Earnings Call Transcript

Jul 18, 2026 / 11:30 AM GMT

Transcript

Key Points

Positve

ICICI Bank Ltd (IBN) reported a 20.9% year-on-year growth in profit before tax, excluding treasury, reaching Rs.189.75 billion.
The core operating profit increased by 15.6% year-on-year to Rs.202.35 billion.
Total deposits grew by 14% year-on-year, indicating strong customer trust and financial stability.
The retail loan portfolio grew by 12% year-on-year, showcasing robust demand in the retail segment.
The bank's capital position remains strong with a CET1 ratio of 16.19% and a total capital adequacy ratio of 16.84%.

Negative

The net NPA ratio slightly increased to 0.35% from 0.33% in the previous quarter.
The credit card portfolio declined by 1.9% year-on-year, indicating challenges in this segment.
There were net additions of Rs.27.07 billion to gross NPAs, highlighting ongoing asset quality issues.
The profit after tax of ICICI General decreased to Rs.4.03 billion from Rs.7.47 billion in the previous year.
The bank's operating expenses increased by 10.4% year-on-year, which could impact profitability.

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

ICBK.NS - ICICI Bank Ltd
Q1 2027 ICICI Bank Ltd Earnings Call
Jul 18, 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 ICSI Bank Limited Q1 FY27 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 star, then zero on a touch tone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Sandeep Bagshi, 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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