ICICI Bank Limited has informed the Exchange about Transcript of the call with media and of earnings call with analysts and investors on the financial results for the quarter ended June 30, 2025.
ICICIBANK · price
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ICICI Bank reported Q1 FY2026 results with profit after tax of ₹12,768 crore, up 15.5% year-on-year, and core operating profit of ₹17,505 crore, up 13.6%. Net interest income rose 10.6% YoY to ₹21,635 crore, but net interest margin (NIM) came in at 4.34%, down from 4.41% in the previous quarter. Domestic loan portfolio grew 12% YoY, though retail loan growth slowed to 6.9% and personal loans/credit cards grew just 1.4-1.5% amid asset quality caution. Business banking stood out with 29.7% YoY growth. Asset quality remained strong with net NPA ratio at 0.41% and a healthy provisioning coverage ratio of 75.3%. The bank is well capitalised with CET-1 of 16.31% and management said no equity raise is needed. Management guided that NIMs may compress a little more in the next quarter before stabilising, and flagged the September CRR cut as a potential support.
Steady earnings growth and strong capital position are positives, but the management commentary on further NIM compression in Q2 and a notable slowdown in unsecured retail lending (personal loans, credit cards) may keep the stock rangebound in the near term. Margin trajectory and deposit growth remain the key things to watch.