ICICI Bank Q1 Result: Net profit grows 15.5% YoY to ₹12,768 crore; NII rises 10.6% YoY

The bank, in its press release, said that its core operating profit grew by 13.6% year-on-year to ₹17,505 crore in Q1 2026 from ₹15,412 crore seen in Q1 2025.

Its net interest income (NII) increased by 10.6% year-on-year to ₹21,635 crore from ₹19,553 crore registered in Q1 2025.

Net interest margin (NIM) for the quarter was 4.34% compared to 4.41% in Q4 2025 and 4.36% in Q1 2025.

Non-interest income (NII), excluding treasury, increased by 13.7% year-on-year to ₹7,264 crore (US$ 847 million) in Q1 2026 from ₹6,389 crore logged in Q1 2025.

ICICI Bank said provisions (excluding provision for tax) were ₹1,815 crore in Q1 2026 compared to ₹1,332 crore in Q1 2025. "Provisions in Q1 2025 included the impact of the release of AIF-related provisions of ₹389 crore," the bank said in its press release.

ICICI Bank Q1 result: Credit Growth

The lender said that the net domestic advances grew by 12% YoY and 1.5%, sequentially, during the quarter under review.

The retail loan portfolio grew by 6.9% year-on-year and 0.5% sequentially and comprised 52.2% of the total loan portfolio. Including non-fund outstanding, the retail portfolio was 43.2% of the total portfolio at the end of the June quarter.

The business banking portfolio grew by 29.7% year-on-year and 3.7% sequentially, while the rural portfolio declined by 0.4% year-on-year and 1.5% sequentially.

The domestic corporate portfolio grew by 7.5% year-on-year and declined by 1.4% sequentially as of June 30, 2025. Total advances increased by 11.5% year-on-year and 1.7% sequentially to ₹ 13,64,157 crore during the June quarter.

ICICI Bank Q1 result: Deposit growth

Total period-end deposits increased by 12.8% year-on-year to ₹16,08,517 crore as of June 30, 2025 (₹16,10,348 crore at March 31, 2025).

Average deposits increased by 11.2% year-on-year and 3.1% sequentially to ₹ 15,33,241 crore in Q1 FY26.

Average current account deposits increased by 11.2% year-on-year and 4.6% sequentially in Q1 FY26.

Average savings account deposits increased by 7.6% year-on-year and 3.6% sequentially in Q1 FY26, ICICI Bank said.

ICICI Bank Q1 result: Asset Quality

The gross non-performing asset (NPA) ratio was 1.67% as of June 30, 2025 compared to 2.15% during June 30, 2024.

The net NPA ratio was 0.41% as of June 30, 2025 compared to 0.43% as of June 30, 2024. The gross NPA additions were ₹6,245 crore in Q1 2026 compared to ₹5,916 crore in Q1 2025, the bank said.

The lender said that the provisioning coverage ratio on non-performing loans was 75.3% as of June 30, 2025.

ICICI Bank Q1 result: Capital adequacy

The press release said, "Including profits for Q1 2026, the bank’s total capital adequacy ratio as of June 30, 2025, was 16.97%,, and the CET-1 ratio was 16.31% compared to the minimum regulatory requirements of 11.70% and 8.20%, respectively. The bank has issued Basel III compliant Tier 2 bonds amounting to ₹ 1,000 crore (US$ 117 million) during Q1-2026."

The Common Equity Tier 1 (CET1) ratio is a key metric of a bank's financial strength. It is calculated by dividing its CET1 capital by its risk-weighted assets.

CET1 capital is considered the highest quality capital, as it does not result in any repayment or distribution obligations on the bank. It represents the core capital, mainly composed of common stock and retained earnings, that a bank holds to absorb losses.

ICICI Bank Q1 result: Consolidated numbers

The consolidated profit after tax (PAT) increased by 15.9% year-on-year to ₹13,558 crore from ₹11,696 crore seen in Q1 2025.

Consolidated assets grew by 10.9% year-on-year to ₹26,68,636 crore as of June 30, 2025, from ₹24,07,395 crore recorded as of June 30, 2024.