Q4 2026 ICICI Bank Ltd Earnings Call Transcript
Key Points
- ICICI Bank Ltd (IBN) reported a 10.1% year-on-year growth in profit before tax, excluding treasury, for Q4 FY26.
- The bank's core operating profit increased by 5.1% year-on-year in the quarter.
- Total deposits grew by 11.4% year-on-year, indicating strong deposit growth.
- The retail loan portfolio grew by 9.5% year-on-year, showcasing robust retail lending.
- The net NPA ratio improved to 0.33% at the end of March 2026, reflecting better asset quality.
- The credit card portfolio declined by 5.6% year-on-year, indicating challenges in this segment.
- The bank experienced a treasury loss of Rs 1.06 billion in the quarter, impacting overall profitability.
- Operating expenses increased by 12% year-on-year, which could pressure margins.
- The cost of deposits was 4.43% in the quarter, which is relatively high.
- The provisioning coverage ratio on non-performing loans was 75.8%, which may indicate a need for higher provisions.
Ladies and Gentlemen, Good day and welcome to ICICI Bank Limited Q4 FY26 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 the conference call, please signal an operator by pressing then 0 on your touchtone 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.
Thank you.
Good evening to all of you and welcome to the ICICI Bank earnings call to discuss the results for Q4 of FY 2026.
Joining us today on this call are Sandeep Batra, Rakesh, Ajay, Anandya and Abhinik.
At ICICI Bank, our strategic focus continues to be on growing profit before tax, excluding treasury, through
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