ICICI Bank Q4 Results: Profit, NII beat estimates on lower provisions; Asset quality improves

ICICI Bank Q4 preview: steady growth, strong asset quality seen; margins likely to stay stable


ICICI Bank Ltd. reported its fourth quarter earnings on Saturday, April 18.

Its net profit increased 8.5% to ₹13,701.7 crore from ₹12,630 crore in the previous year. It was also above Street estimates of ₹12,949 crore.

The lender’s net interest income (NII) was at ₹22,979.2 crore, up 8.4% from the previous year’s ₹21,193 crore and higher than the CNBC-TV18 poll of ₹22,755 crore.

ICICI Bank’s asset quality improved as well. Its net non-performing assets (NPA) fell to 0.33% from 0.37% in the previous quarter. it was down to ₹5,459.5 crore from ₹5,732 crore in the previous quarter.
Its gross NPA contracted to 1.4% from 1.53% sequentially. It declined to ₹23,051.9 crore from ₹23,758 crore in the earlier quarter.

The bank’s provisions were at ₹96.2 crore compared to ₹2,556 crore sequentially and ₹890.7 crore in the previous year.

ICICI Bank’s total advances increased by 15.8% from the previous year and 6% sequentially to ₹15.53 lakh crore.

Its net interest margin was at 4.32% in the fourth quarter compared to 4.3% in the previous quarter. Its NIM for FY26 was 4.32% similar to the previous fiscal.

Shares of ICICI Bank Ltd. ended the previous session 0.5% up at ₹1,352.8 apiece. The stock has risen 3.9% in the past month.

Also Read: HDFC Bank Q4 Results: Core income grows 4%, asset quality improves



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