 "ICICI Bank has set up a branch at the Maha Kumbh Mela Ground in Prayagraj to provide essential banking services to pilgrims and visitors during the event")
ICICI Bank — the second largest private sector lender in the country — reported a 15.5 per cent year-on-year (Y-o-Y) rise in its standalone net profit to ₹12,768 crore for the April–June quarter of the financial year 2025-26 (Q1FY26), mainly due to a rise in treasury income.
Net interest income (NII) increased by 10.6 per cent year-on-year to ₹21,635 crore during the period under review, while non-interest income, excluding treasury, increased by 13.7 per cent Y-o-Y to ₹7,264 crore. Treasury income more than doubled in Q1 as compared to the same period last year.
“Treasury gains were ₹1,241 crore in Q1FY26 as compared to ₹613 crore in Q1FY25, primarily reflecting realised and mark-to-market gains in fixed income securities and equities,” the bank said.
ICICI Bank’s net interest margin fell to 4.34 per cent in Q1 from 4.41 per cent sequentially, and 4.36 per cent from the same period of last year.
“The movement of NII from Q4 to Q1 was primarily due to repricing of loans linked to external benchmarks. We do expect the NIMs to compress a little more in the next quarter. After that we will see how it goes, it depends on RBI actions…liquidity,” said Sandeep Batra, executive director, ICICI Bank in the post-earnings media call.
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Net domestic advances grew by 12.0 per cent Y-o-Y and 1.5 per cent sequentially as of 30 June 2025. The retail loan portfolio grew by 6.9 per cent Y-o-Y and 0.5 per cent sequentially, comprising 52.2 per cent of the total loan portfolio at the end of the quarter.
The business banking portfolio grew by 29.7 per cent year-on-year, while the domestic corporate portfolio grew by 7.5 per cent but declined by 1.4 per cent sequentially. The decline in the corporate loan book is mainly due to competitive pricing in the first quarter, Batra said.
The rural portfolio declined by 0.4 per cent year-on-year and 1.5 per cent sequentially as of 30 June 2025. Unsecured loans, personal loans and credit cards, grew by little over one per cent Y-o-Y.
Commenting on asset quality on the unsecured portfolio side, Batra said, “There has been a marginal increase in the last 12-15 months over a very small base. The personal loan growth has moderated from 25 per cent of Q1FY25 to 1.4 per cent Y-o-Y during the current quarter.”
“Asset quality trend on the unsecured portfolio has stabilised over the quarter and we do hope the portfolio will start increasing from here,” he added.
Total advances increased by 11.5 per cent year-on-year and 1.7 per cent sequentially to ₹12.64 trillion as of 30 June 2025. Total deposits grew by 12.8 per cent year-on-year to ₹16.08 trillion.
Provisions (excluding tax) were ₹1,815 crore compared to ₹1,332 crore in Q1FY25.
“Provisions in Q1FY25 included the impact of release of AIF-related provisions of ₹389 crore,” the bank said.
The gross NPA ratio was 1.67 per cent as of 30 June 2025, compared to 2.15 per cent a year earlier, while the net NPA ratio was 0.41 per cent compared to 0.43 per cent.
Gross NPA additions were ₹6,245 crore in Q1FY26 compared to ₹5,916 crore during the same period last year.
“Including profits for Q1FY26, the Bank’s total capital adequacy ratio as of 30 June 2025 was 16.97 per cent and CET-1 ratio was 16.31 per cent compared to the minimum regulatory requirements of 11.70 per cent and 8.20 per cent respectively,” ICICI Bank said.
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