Loan Growth (YoY)
15.8%
+15.8pp YoY
Overall loan portfolio grew 15.8% year-on-year, driven by retail and rural segments.
ICICIBANK
Financial Services
15 Apr 2026
ICICI Bank Limited — Q4 FY26
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%.
✓ Verified against BSE filing
2-Min Summary
✦ AI-Generated from Full Transcript
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.
Key Numbers
Net NPA Ratio
0.33%
-6bps YoY
Net NPA ratio improved to 0.33% from 0.39% a year ago, reflecting strong asset quality.
CASA Ratio (Average)
~45%
flat YoY
Average CASA deposits grew 11.3% YoY, maintaining a healthy low-cost deposit base.
Branch Count
7,511
+528 YoY
Added 528 branches in FY26, expanding physical footprint to support growth.
Management Guidance
Credit cost below 50bps in FY27
Management expects credit cost to remain below 50 basis points, excluding one-time items, supported by healthy asset quality.
Management guidance marginsOpex growth below revenue growth
Management aims to keep operating expense growth lower than revenue growth, targeting positive jaws.
Management guidance growthNIM rangebound around 4.3%
Net interest margin expected to remain in the current range, with limited upside due to competitive pricing.
Management guidance marginsKey Risks
West Asia conflict impact
Escalating conflict could cloud economic outlook and affect credit demand and asset quality.
high · management_commentaryCredit card book contraction
Credit card portfolio declined for second consecutive quarter, with lower revolvers impacting profitability.
medium · analyst_questionResidual deposit repricing
Some deposit repricing remains, which could pressure NIMs if not offset by asset repricing.
low · analyst_questionNotable 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.
Frequently Asked Questions
What was ICICI Bank's revenue in Q4 FY26?
ICICI Bank reported revenue of — in Q4 FY26, representing a — change compared to the same quarter last year.
What guidance did ICICI Bank management give for FY27?
Credit cost below 50bps in FY27: Management expects credit cost to remain below 50 basis points, excluding one-time items, supported by healthy asset quality. Opex growth below revenue growth: Management aims to keep operating expense growth lower than revenue growth, targeting positive jaws. NIM rangebound around 4.3%: Net interest margin expected to remain in the current range, with limited upside due to competitive pricing.
What are the key risks for ICICI Bank in FY27?
Key risks include West Asia conflict impact — Escalating conflict could cloud economic outlook and affect credit demand and asset quality.; Credit card book contraction — Credit card portfolio declined for second consecutive quarter, with lower revolvers impacting profitability.; Residual deposit repricing — Some deposit repricing remains, which could pressure NIMs if not offset by asset repricing..
Did ICICI Bank meet its previous quarter's guidance?
Scorecard data is being built as historical quarters are processed.
Where can I read the full ICICI Bank Q4 FY26 concall transcript?
The full earnings conference call transcript or source release is available on the linked source material. This page provides an AI-generated summary verified against official BSE/NSE filings.