ICICI Bank Q3 FY26: Profit After Tax at ₹113.18 Bn, Core Operating Profit Grows 6.0% YoY
ICICI Bank's Q3 FY26 results show a Profit After Tax of ₹113.18 billion, up 4.0% YoY. Core operating profit increased 6.0% YoY to ₹175.13 billion. Domestic loans grew 11.5% YoY, and total deposits rose 9.2% YoY. The bank maintained a strong capital adequacy ratio of 17.34%.
The results show steady financial performance with growth in key metrics, indicating a positive but not drastically transformative impact on the bank's standing.
The bank reported positive growth in core operating profit and profit after tax, along with healthy growth in loans and deposits, and maintained strong capital adequacy ratios.
ICICI Bank Limited announced its financial results for the quarter and nine months ended December 31, 2025. The bank reported a Profit After Tax of ₹113.18 billion for Q3 FY26, with core operating profit growing by 6.0% year-on-year to ₹175.13 billion.
Key highlights for the quarter include a 7.2% year-on-year growth in retail loans and a 22.8% year-on-year growth in the business banking portfolio. Domestic loans saw an 11.5% year-on-year increase. Deposits grew by 9.2% year-on-year, reaching ₹16,596.11 billion by period end.
The bank's asset quality remained strong, with a Net NPA ratio of 0.37% and a provision coverage ratio of 75.4% as of December 31, 2025. The Common Equity Tier 1 ratio stood at 16.46%, and the Total Capital Adequacy ratio was 17.34%.
ICICI Bank also reported provisions of ₹25.56 billion for the quarter, which includes an additional standard asset provision of ₹12.83 billion made pursuant to the Reserve Bank of India's annual supervisory review for a portfolio of agricultural priority sector credit facilities. The bank clarified that this has no impact on asset classification or borrower repayment behavior.
The investor presentation, referred to during the earnings call, was uploaded on the bank's website. The presentation covers detailed performance reviews, financial statements, key ratios, and information on group companies and ESG initiatives.
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