ICICI Bank Q3 Earnings Call Highlights

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Sat, January 17, 2026 astatine 8:39 AM CST 9 min read

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ICICI reported halfway operating nett up 6% YoY to INR 175.13 billion, but results were weighed by an RBI-mandated further standard-asset proviso of INR 12.83 billion; connected an adjusted ground (ex-provision) PBT ex-treasury would person risen ~6.2% YoY to INR 162.40 cardinal and PAT to INR 122.80 billion.
Deposit and indebtedness maturation remained coagulated with mean deposits +8.7% YoY (total deposits +9.2%), CASA +8.9% YoY, and home loans +11.5% YoY (retail +7.2%, concern banking +22.8%), portion liquidity stayed steadfast with an mean LCR of ~126%.
Credit prime held up—net NPA 0.37% and provisioning sum 75.4%—backed by INR 131 cardinal of contingency provisions, and superior ratios remained beardown with CET1 16.46% and full CAR 17.34%.
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ICICI Bank (NYSE:IBN) absorption said it remained focused connected “risk-calibrated, profitable growth” successful the fiscal 3rd 4th of 2026, with enactment emphasizing profit-before-tax maturation excluding treasury and a customer-centric “360-degree” operating approach. On the net call, executives highlighted dependable margins, improved momentum successful prime lending segments, and recognition prime metrics that remained stable, portion besides addressing a Reserve Bank of India (RBI) directive that drove a notable information of quarterly provisions.

Managing Director and CEO Sandeep Bakhshi said halfway operating nett roseate 6% year-over-year and 2.5% sequentially to INR 175.13 billion. Total provisions for the 4th were INR 25.56 billion, which included an further modular plus proviso of INR 12.83 cardinal pursuant to the RBI’s yearly supervisory review.

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Profit earlier taxation excluding treasury was INR 149.57 billion, compared with INR 152.89 cardinal successful the prior-year quarter, portion nett aft taxation was INR 113.18 cardinal versus INR 117.92 cardinal a twelvemonth earlier. Management noted that a treasury nonaccomplishment of INR 1.57 cardinal weighed connected results, compared with a summation of INR 3.71 cardinal successful the year-ago quarter.

Executive Director Anindya described the RBI directive arsenic relating to “a portfolio of cultivation precedence assemblage recognition facilities” wherever the presumption were recovered “not afloat compliant with the regulatory requirements for classification arsenic cultivation precedence assemblage lending.” He emphasized determination was “no alteration successful plus classification” and nary alteration to borrower presumption oregon repayment behavior. The slope expects the proviso to proceed “until the loans are repaid oregon renewed successful conformity with the PSL classification guidelines.”