Anindya Banerjee
CFO, ICICI Bank
Promise Delivery Record
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
ICICI Bank · Q4 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
ICICI Bank · Q4 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
ICICI Bank · Q4 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q1 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q1 FY26Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q4 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q1 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q1 FY25Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q1 FY25Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Icicibank · Q4 FY24Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Icicibank · Q4 FY24Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Icicibank · Q4 FY24Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY24Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q3 FY24Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Icicibank · Q2 FY24Notable Quotes
We will work to bring this portfolio into conformity with the regulatory expectations and thereby minimize both the provisioning and the PSL impact.
We are not looking at credit card just as a product portfolio in itself, but really as part of an overall customer offering.
We have three years to go. So on a lighter vein, we hopefully addressed the speculation around October 2026.
Our aim is, and what we operate to is the risk-adjusted PPOP, and that has to be done in a framework which is sustainable.
From here on, our expectation is that margins should be more or less range-bound. We don't expect any major movements either way.
I think corporate India is very well funded. They have very strong balance sheets, and they have access to many forms of funding.
The net interest margin was 4.34% in this quarter compared to 4.41% in the previous quarter and 4.36% in Q1 of last year.
I think clearly we can do more on both personal loans and credit cards.
We are really focused on the risk-adjusted PPOP. Should we want to make tactical calls on pricing, etc., in a particular customer or segment or product for a particular period of time? I think our funding franchise gives us the flexibility to do that.
On the unsecured side, probably the growth has bottomed out, and we may see some improved growth from here is what we've seen.
I think that maintaining a certain level of capital is important from a strategic perspective and a market confidence perspective.
We would expect margins to be broadly stable in the near term. And then when the rate cut cycle starts, of course, the lead lag will play out on the reverse side, with loans repricing faster than deposits.