Icicibank Ltd — Q2 FY26
ICICI Bank reported a steady Q2 FY26 with PAT growing 5.2% YoY to INR 123.59 billion, driven by core operating profit growth of 6.5% YoY.
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q1 FY26
NIM pressure in Q2 from repo rate transmission
Full impact of 50 bps repo rate cut in June will flow through in Q2, partially offset by lower deposit costs.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY26
Credit cost normalization to ~50 bps
Underlying credit cost expected to be around 50 bps, excluding KCC seasonality in Q1 and Q3.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY26
Business banking to grow faster than overall loan book
Business banking portfolio expected to grow faster, increasing its share of total loans.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1