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A source-linked quarter view: reported numbers, management language, guidance, and the risks that should carry forward.
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What the record says.
ICICI Bank reported a solid Q4 FY26 with PAT of ₹13,702 crore (+8.5% YoY) driven by strong loan growth of 15.8% YoY and stable NIM at 4.32%. Asset quality improved with net NPA at 0.33% and credit cost at 38bps for FY26. Retail loan growth picked up, especially mortgages (+13.2% YoY) and rural (+25.6% YoY), while credit card book contracted. Management expects margins to remain rangebound and aims to grow revenues ahead of costs. Key risk: escalating West Asia conflict could impact economic outlook and credit demand.
Colored figures show movement against the previous available record.
Guidance to track
- Management expects credit cost to remain below 50 basis points, excluding one-time items, supported by healthy asset quality.
- Management aims to keep operating expense growth lower than revenue growth, targeting positive jaws.
- Net interest margin expected to remain in the current range, with limited upside due to competitive pricing.
Risks flagged
- Escalating conflict could cloud economic outlook and affect credit demand and asset quality.
- Credit card portfolio declined for second consecutive quarter, with lower revolvers impacting profitability.
- Some deposit repricing remains, which could pressure NIMs if not offset by asset repricing.
Key quotes
- We continue to operate within the framework of our values to strengthen our franchise. Maintaining high standards of governance, deepening coverage and enhancing delivery capabilities with a focus on simplicity and operational resilience are key drivers for a risk calibrated profitable growth.
- I think the corporate sector is pretty strong and they are well funded with healthy balance sheets and significant resilience I would say.
- We don't at the moment see any cause for concern as such. The other portfolio which is reasonably large now and has grown rapidly over the last few years is the whole business banking portfolio. Again one would have to monitor any potential impact of the external events on that.
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