ICICI Bank Q1 FY27 Results: Profit After Tax Up 15.9% to ₹14,805 Crore
ICICI Bank reported Q1 FY27 PAT of ₹14,805 crore, up 15.9% y-o-y. Core operating profit grew 15.6% y-o-y to ₹20,235 crore. Total loans increased 19.6% y-o-y, with retail loans up 12.0% y-o-y. Deposits grew 14.0% y-o-y. Net NPA ratio stood at 0.35%.
The financial results, including profit growth and key performance indicators like loan and deposit growth, are material to investors and significantly impact the company's valuation and outlook.
The bank reported strong year-on-year growth in profit after tax, core operating profit, and loan growth, along with stable asset quality metrics.
ICICI Bank Limited announced its financial results for the quarter ended June 30, 2026 (Q1-2027), reporting a Profit After Tax (PAT) of ₹14,805 crore, marking a significant 15.9% year-on-year (y-o-y) and 8.0% quarter-on-quarter (q-o-q) increase.
The bank's profit before tax, excluding treasury operations, grew by 20.9% y-o-y and 4.2% q-o-q to ₹18,975 crore. Core operating profit saw a robust growth of 15.6% y-o-y and 10.5% q-o-q, reaching ₹20,235 crore. Excluding dividend from subsidiaries, core operating profit increased by 18.3% y-o-y and 8.2% q-o-q to ₹19,125 crore.
Total loans grew by 19.6% y-o-y and 5.0% q-o-q. Retail loans increased by 12.0% y-o-y and 2.7% q-o-q. The business banking portfolio expanded by 28.2% y-o-y and 6.9% q-o-q, while the domestic corporate portfolio grew by 18.5% y-o-y and 6.9% q-o-q.
Average deposits grew by 14.0% y-o-y and 6.1% q-o-q. CASA deposits grew by 12.1% y-o-y and 4.7% q-o-q. Period-end total deposits increased by 14.0% y-o-y and 2.2% q-o-q.
Asset quality remained strong, with the Net NPA ratio at 0.35% as of June 30, 2026. The provision coverage ratio stood at 74.7%. The Common Equity Tier 1 (CET 1) ratio was 16.19%, and the Total Capital Adequacy Ratio (CAR) was 16.84%.
The investor presentation was uploaded on the bank's website and shared with stock exchanges for the earnings call concerning the financial results for the quarter ended June 30, 2026.
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