ICICI Bank Limited (ICICIBANK) Earnings Call Transcripts

ICICI Bank Limited's Latest Earnings Call - Q4 FY2026

ICICI Bank Limited reported Q4 FY 2026 results with a focus on robust growth across various segments. The bank's profit before tax, excluding treasury, increased by 10.1% YoY to INR 182.09 billion, while profit after tax rose by 8.5% YoY to INR 137.02 billion. Total deposits grew by 11.4% YoY, and the loan portfolio expanded by 15.8% YoY. The bank maintained a strong capital position with a CET1 ratio of 16.35%. Management highlighted opportunities for risk-calibrated growth and maintained a positive outlook for FY 2027.

Reported metrics

Guidance from management

Management remains optimistic about growth opportunities, stating they aim to leverage strong capital and liquidity to drive business growth. No specific growth numbers were provided.

What management said

The gap would not be like 11 to 15 gap, it will be a lower gap and that much is fine. And on overall liquidity and LCR basis, we are pretty comfortable. So deposit growth is not something that will constrain us from pursuing loan growth, deposit growth, the deposit flows are more than adequate and healthy.

So that's the recovery from the gross NPLs. As I said, we would have also a recovery from the written-off accounts that gets netted off in the provision line item, that would have been on the somewhat higher side in this quarter.

What analysts pressed on

Analysts questioned the sustainability of deposit growth and the impact of recent regulatory changes on treasury income. Concerns were also raised about the potential impact of geopolitical tensions on loan growth.

Main topics on the call

• Loan Portfolio Growth — The overall loan portfolio grew by 15.8% year-on-year, with the retail loan portfolio increasing by 9.5% and the rural portfolio by 25.6%. Management stated, 'We see many profit opportunities to drive risk-calibrated pro...
• Deposit Growth — Total deposits increased by 11.4% year-on-year. The average current and savings account deposits grew by 11.3% year-on-year. Management expressed comfort with the liquidity position, stating, 'We are quite comfortable on...
• Credit Quality — Net NPA ratio improved to 0.33% from 0.37% in the previous quarter. The provisioning coverage ratio on nonperforming loans was 75.8%. Management noted, 'The underlying credit cost remains pretty stable.'
• Net Interest Income and Margin — Net interest income increased by 8.4% year-on-year to INR 229.79 billion, with a net interest margin of 4.32%. Management indicated margins are expected to remain range-bound.

Read the full ICICI Bank Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 26 ICICI Bank Limited earnings call transcripts on record, spanning January 25, 2020 to July 18, 2026. Based on this history, ICICI Bank Limited reports quarterly. The most recent call on file is dated July 18, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

ICICIBANK

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Banks

Calls on record

26

First call

January 25, 2020

Most recent

July 18, 2026

Reporting cadence

quarterly