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ICICI Bank(IBN) - 2026 Q2 - Earnings Call Presentation
2025-10-18 11:30
Financial Performance - Profit before tax excluding treasury increased by 91% year-over-year to ₹ 16164 billion in Q2-2026[7] - Profit after tax grew by 52% year-over-year to ₹ 12359 billion in Q2-2026[7] - Core operating profit increased by 65% year-over-year to ₹ 17078 billion in Q2-2026[7] - Net interest income grew by 74% from Q2-2025 to ₹ 21529 billion in Q2-2026[13] - Non-interest income increased by 132% from Q2-2025 to ₹ 7356 billion in Q2-2026[13] Deposits and Loans - Average deposits grew by 91% year-over-year in Q2-2026[7] - Domestic loans grew by 106% year-over-year and 33% quarter-over-quarter[7] - Retail loans grew by 66% year-over-year and 26% quarter-over-quarter[7] - Business banking portfolio grew by 248% year-over-year and 65% quarter-over-quarter[7] - Period end total deposits grew by 77% year-over-year and 03% quarter-over-quarter at Sep 30 2025[7] Asset Quality - Net additions to gross NPAs were ₹ 1386 billion in Q2-2026 compared to ₹ 3034 billion in Q1-2026[9] - Provisions were ₹ 914 billion in Q2-2026 compared to ₹ 1815 billion in Q1-2026[9] - Net NPA ratio was 039% at Sep 30 2025[9]