ICICI Bank Q3 Results: Net profit falls 4% YoY to ₹11,318 crore, NII surges 8%

In the third quarter of the previous fiscal year, the bank had logged a profit of ₹11,792.42 crore, it said in a regulatory filing. On a sequential basis, its profit declined 8.42% quarter-on-quarter (QoQ) from ₹12,358.89 crore in Q2 of FY26.

Its net interest income (NII) surged 7.7% YoY to ₹21,932 crore during the quarter under review, compared to ₹20,371 crore in Q3 of the 2024-25 fiscal year (Q3FY25).

It clocked a net interest margin (NIM) of 4.3% in Q3 FY26, in comparison to 4.25% in the year-ago period. Sequentially, it remained unchanged.

ICICI Bank's gross non-performing assets (GNPA) fell slightly to to 1.53% for the reporting quarter, as against 1.58% in the September quarter of the current fiscal year and 1.96% in Q3 of FY25. Its net NPA (NNPA) stood at 1.96%, from 0.39% in the previous quarter and 0.42% in the same period of last year.

The bank said that it typically witnesses higher NPA additions from the Kisan Credit Card portfolio in the first and third quarters of a fiscal year.

As of December 31, 2025, it held total provisions, excluding specific provisions on fund-based outstanding to borrowers classified as non-performing, amounting to ₹22,657 crore or 1.5% of its loans.

The bank’s domestic loan portfolio grew by 11.5% annually to ₹14.3 lakh crore (or ₹14,30,895 crore) at the end of the quarter under review.

Its average deposits advanced 8.7% YoY to ₹15.86 lakh crore (or ₹15,86,088 crore) at the end of the December quarter of FY26. It was up by 1.8% sequentially. Its average CASA ratio stood at 39% in the period under review.

Its total advances grew by 11.5% annually and 4.1% QoQ to ₹14.66 lakh crore (₹14,66,154 crore) in Q3 FY26.

“Including profits for the nine months ended December 31, 2025 (9M-2026), the Bank’s total capital adequacy ratio at December 31, 2025, was 17.34%,” it said.

With the addition of 402 branches during the nine months ended FY26, it had a network of 7,385 branches, 11,983 ATMs and cash recycling machines at the end of the reporting quarter.

Ahead of the results, ICICI Bank’s shares closed 0.38% lower at ₹1,413 per unit on the National Stock Exchange (NSE) on Friday.

It has a total market capitalisation of ₹10.1 lakh crore, as of January 17, 2025, according to data on the NSE.