ICICI Bank Q3 FY26 Results: Profit After Tax at ₹11,318 Crore, Net Interest Income Up 7.7%
ICICI Bank reported Q3 FY26 Profit After Tax of ₹11,318 crore. Net Interest Income grew 7.7% to ₹21,932 crore. The bank made an additional ₹1,283 crore provision for agricultural loans as per RBI directive. Deposits grew 8.7% and loans by 11.5%. Net NPA ratio improved to 0.37%.
The additional provision, while impacting reported profit, is a regulatory directive and does not alter asset classification or borrower terms. The continued growth in core banking operations and healthy asset quality suggest a moderate impact on the bank's overall financial health.
The results show growth in key metrics like Net Interest Income and deposits, which is positive. However, the additional provision of ₹1,283 crore mandated by the RBI introduces a one-time impact and a degree of uncertainty, making the overall sentiment neutral.
ICICI Bank Limited announced its financial results for the quarter and nine months ended December 31, 2025. The bank reported a Profit After Tax (PAT) of ₹11,318 crore for the quarter, with a year-on-year increase of 7.7% in Net Interest Income (NII) to ₹21,932 crore.
Key financial highlights for Q3 FY26 include a Fee Income growth of 6.3% to ₹6,572 crore and a Core Operating Profit growth of 6.0% to ₹17,513 crore. Operating expenses increased by 13.2% to ₹11,944 crore, including an impact of ₹145 crore for new Labour Codes. The bank made an additional standard asset provision of ₹1,283 crore as directed by the RBI for a portfolio of agricultural priority sector credit facilities found to be non-compliant with regulatory requirements. Excluding this additional provision, the Profit Before Tax (PBT) excluding treasury would have increased by 6.2% year-on-year to ₹16,240 crore, and PAT would have increased by 4.1% year-on-year to ₹12,280 crore.
Deposit growth remained healthy, with average deposits increasing by 8.7% year-on-year to ₹15,86,088 crore. The domestic loan portfolio grew by 11.5% year-on-year at December 31, 2025, with the retail loan portfolio growing by 7.2%. The Net NPA ratio improved to 0.37% from 0.39% in the previous quarter. The bank maintained contingency provisions of ₹13,100 crore.
During the quarter, the bank conducted over 250 awareness programs for senior citizens and introduced features like SmartLock on iMobile for enhanced customer security. The bank also reported the transcripts of the media and earnings call with analysts and investors on January 17, 2026.
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