ICICI Bank Q4 Earnings Call Highlights

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Sat, April 18, 2026 astatine 8:36 AM CDT 8 min read

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Profit and dividend: Q4 PBT (ex-treasury) roseate 10.1% YoY to INR 182.09 billion and PAT was up 8.5% YoY to INR 137.02 billion, with the committee recommending a INR 12 per share dividend for FY2026.
Loans outpaced deposits but liquidity remains comfortable: Total loans grew 15.8% YoY (6% sequentially) versus deposit maturation of 11.4% YoY, and absorption highlighted an mean LCR ~126% and capable deposit flows to enactment continued indebtedness growth.
Asset prime and provisions improved sharply: Net NPA fell to 0.33%, provisioning sum was 75.8%, quarterly provisions dropped to INR 0.96 billion (from INR 8.91 cardinal a twelvemonth ago), and FY2026 recognition outgo was astir 38 bps.
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ICICI Bank (NYSE:IBN) reported year-over-year maturation successful nett and maintained beardown plus prime successful its fiscal fourth-quarter net call, portion absorption discussed the drivers down improving owe momentum, little provisions, and the bank’s outlook amid rising geopolitical uncertainty.

Managing Director and CEO Sandeep Bakhshi said the slope remained focused connected “risk-calibrated profitable growth” driven by a customer-centric attack and deeper ecosystem coverage. Profit earlier taxation (PBT), excluding treasury, roseate 10.1% twelvemonth implicit twelvemonth to INR 182.09 billion successful Q4 FY2026, portion halfway operating nett accrued 5.1% to INR 183.05 billion.

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Profit aft taxation (PAT) grew 8.5% twelvemonth implicit twelvemonth to INR 137.02 billion for the quarter. For the afloat twelvemonth FY2026, the slope reported PAT of INR 501.47 billion, up 6.2%. Consolidated PAT roseate 9% twelvemonth implicit twelvemonth to INR 147.55 billion successful Q4 and reached INR 542.08 billion for FY2026, besides up 6.2%.

The committee recommended a dividend of INR 12 per share for FY2026, taxable to approvals.

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Total deposits grew 11.4% twelvemonth implicit twelvemonth and 8.1% sequentially arsenic of March 31, 2026. Average existent and savings relationship (CASA) deposits roseate 11.3% twelvemonth implicit twelvemonth and 2.7% sequentially successful the quarter. The bank’s mean liquidity sum ratio (LCR) was astir 126%, which absorption repeatedly cited arsenic enactment for continued growth.

Overall loans (including planetary branches) grew 15.8% twelvemonth implicit twelvemonth and 6% sequentially. Retail loans accrued 9.5% twelvemonth implicit twelvemonth and 4.2% sequentially, and represented 41.7% of the full portfolio erstwhile including non-fund-based outstanding. Rural loans, including golden loans, roseate 25.6% twelvemonth implicit twelvemonth and 18% sequentially, portion concern banking expanded 24.4% twelvemonth implicit twelvemonth and 7.6% sequentially. The home firm publication grew 9% twelvemonth implicit twelvemonth and 3.1% sequentially. Overseas loans were 2.7% of the indebtedness publication astatine quarter-end.