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%.
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.
Q3 FY26
NIM to remain range-bound
Management expects net interest margin to stay around current levels in Q4, supported by deposit repricing and lower non-accrual impact.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Loan growth momentum to sustain
Sequential loan growth improved in Q3 and management expects this momentum to continue into Q4.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Credit card book to improve gradually
After a seasonal decline in Q3, credit card portfolio is expected to grow from current levels.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1