ICICI Bank Q2FY26 EarningsICICI Bank reported strong Q2FY26 results, with Profit After Tax (PAT) increasing by 5.2% year-on-year to Rs 12,359 crore. Net Interest Income (NII) also saw robust growth of 7.4%, reaching Rs 21,529 crore. The bank maintained a healthy Net Interest Margin (NIM) at 4.30% and posted a 6.5% rise in core operating profit. A significant highlight was the decline in provisions, boosting overall profitability. Deposits grew by 9.1% YoY, reflecting strong customer trust and an expanding financial base. The domestic loan portfolio expanded by 10.6%, showcasing healthy credit demand and effective asset management. ICICI Bank’s capital adequacy remains robust, well above regulatory norms.ICICI Bank’s Q2FY26 results showcase a robust and well-managed financial performance, setting a positive tone for the Indian banking sector. The consistent growth in Profit After Tax (PAT) and Net Interest Income (NII) underscores the bank’s strong core operations and effective interest rate management. A notable highlight is the significant decline in provisions, indicating improved asset quality and reduced credit risk, which directly contributes to enhanced profitability. Furthermore, the healthy expansion of both deposits and the domestic loan portfolio reflects strong customer acquisition and sustained credit demand, vital for any bank’s growth trajectory. The bank’s impressive capital adequacy and CET-1 ratios, significantly above regulatory requirements, reinforce its financial stability and resilience. This strong balance sheet position allows ICICI Bank to pursue further strategic growth initiatives confidently. Investors tracking Indian banking stocks will find these ICICI Bank earnings particularly encouraging, pointing to a resilient financial sector performance in a dynamic economic environment.
| Metric | Q2FY26 | Q2FY25 | YoY Growth / Change |
|---|---|---|---|
| Profit After Tax (PAT) | Rs 12,359 cr | – | 5.2% |
| Net Interest Income (NII) | Rs 21,529 cr | Rs 20,048 cr | 7.4% |
| Core Operating Profit | Rs 17,078 cr | Rs 16,043 cr | 6.5% |
| Provisions (excl. tax) | Rs 914 cr | Rs 1,233 cr | Declined 25.8% |
| Average Deposits | Rs 15,57,449 cr | – | 9.1% |
| Domestic Loan Portfolio | Rs 13,75,260 cr | – | 10.6% |
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