ICICI Bank: Q2FY26 Result Update
27-10-2025

Particulars (in Rs. Crores)	Q2FY26	Q2FY25	YoY
Deposits	16,12,825	14,97,761	8%
CASA Deposits	6,58,871	6,08,723	8%
CASA Ratio %	40.90%	40.64%	+ 26 Bps

Advances	14,08,456	12,77,240	10%
Retail	7,39,384	6,93,507	7%
Rural loans	77,761	78,789	-1%
Business banking	2,90,921	2,33,025	25%
Domestic corporate and others	2,78,444	2,69,029	3%
BRDS/IBPC	(11,250)	(31,260)
Total domestic book	13,75,260	12,43,090	11%
Overseas book	33,196	34,150	-3%

NIM (%)	4.30%	4.27%	+3 Bps
Cost-Income Ratio (%)	40.60%	38.60%	+ 200 Bps

Gross NPA (%)	1.58%	1.97%	-39 Bps
Net NPA (%)	0.39%	0.42%	- 3 Bps
PCR (%)	75.00%	78.50%	- 350 Bps

Advances Growth:

Advances grew 10% YoY to Rs. 14,08,456 crores from Rs. 12,77,240 crores, reflecting robust domestic growth of 11% YoY, while overseas advances declined by 3%.
Domestic loans rose 11% YoY, led by strong growth in business banking (+25%), followed by retail (+7%) and corporate (+3%).
Within retail, mortgages grew 9.9% YoY, followed by credit cards (+6.4%) and vehicle finance (+2.1%).

Deposits and CASA:

Deposits increased 8% YoY to Rs. 16,12,825 crores from Rs. 14,97,761 crores.
The CASA ratio improved by 26 bps to 40.90% from 40.64%, indicating a healthy deposit mix.

Margins and asset quality:

NIMs inched up by ~3 bps to 4.30% from 4.27%. Management expects NIMs to remain around this level in the coming quarters.
GNPA/NNPA ratios stood at 1.58%/0.39%, improving by 39 bps/3 bps YoY, supported by lower write-offs and reduced net additions to GNPA compared to Q2FY25.

Profitability:

Net Interest Income (NII) rose 7% YoY to Rs. 21,529 crores, driven by a 3% increase in interest income and a 1% decline in interest expenses.
PAT grew 5% YoY to Rs. 12,359 crores, aided by a 26% YoY decline in provisions and contingencies.

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ICICI Bank Share Price

1365.00 -1.00 (-0.07%)

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