Q1-FY25 · Q4 FY24
NIM expected to be range-bound near current levels
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
ICICIBANK / Q3-FY24 / promises
Measure what management said.
ICICI Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY25 · Q4 FY24
Operating expense growth to moderate
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q1-FY25 · Q4 FY24
Credit cost to remain below 50 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q1-FY26 · Q4 FY25
Margin pressure expected from rate cuts
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q1-FY26 · Q4 FY25
Unsecured retail NPL stabilization expected to continue
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY24 · Q1 FY24
Cost of deposits to increase for next 2-3 quarters
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Credit cost to normalize around 50 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
OpEx growth to moderate
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Personal loan growth to trend towards 20%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
NIM pressure in Q2 from repo rate transmission
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY26 · Q1 FY26
Credit cost normalization to ~50 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY26 · Q1 FY26
Business banking to grow faster than overall loan book
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY24 · Q2 FY24
Full-year NIM similar to FY23
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY24 · Q2 FY24
Continued branch expansion
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
NIM expected to be broadly stable in H2 FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Operating expense growth to be around 8-10% in near term
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Personal loan growth to trend down further
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
NIMs expected to be range-bound over next couple of quarters
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
Loan growth to sustain with positive outlook
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
Operating expenses not expected to increase at Q2 pace
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY24 · Q3 FY24
Full-year NIM expected similar to last year
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
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Q4-FY24 · Q3 FY24
Headcount additions to moderate
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
heuristic_v1
Q4-FY24 · Q3 FY24
Personal loan growth to moderate further
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
heuristic_v1
Q4-FY25 · Q3 FY25
Credit cost around 50bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
NIM to remain range-bound
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
Loan growth momentum to sustain
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
Credit card book to improve gradually
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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