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  2. Reports ICICI Bank: Q2FY26 Result Update
1262.75 -17.75 (-1.39%)

ICICI Bank: Q2FY26 Result Update
27-10-2025

Particulars (in Rs. Crores)

Q2FY26

Q2FY25

YoY

Net Interest Income

21,529

20,048

7%

Other Income

7,576

7,177

6%

Total Income

29,105

27,225

7%

Operating expenses

11,807

10,501

12%

Pre-provision profits

17,298

16,723

3%

Provision & Contingencies

914

1,233

-26%

PBT

16,384

15,490

6%

Provision for Tax

4,025

3,744

7%

PAT

12,359

11,746

5%

 

 

 

 

 

 

 

 

 

 

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.
Disclosure: MoneyWorks4me's employees may have exposure in the securities mentioned in the above report. For detailed disclosure click here.
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