ICICI Bank reported net profit of ₹14,843.03 crore for the quarter ended 30 September 2026, up 20.1% from ₹12,358.89 crore a year earlier, according to Business Today. A TradingView comparison of the day's bank results lists the figure as standalone; the Business Today report does not say.
Income and margin
Net interest income was ₹25,339 crore, up 17.7% from ₹21,529 crore. The net interest margin was 4.18%, against 4.36% in the June quarter and 4.3% a year earlier. Excluding interest on tax refunds, which the bank called negligible in Q2 against 8 basis points in Q1, the margin was 4.28%.
Asset quality and provisions
Gross NPAs were 1.20% of advances, down from 1.38% in Q1 and 1.58% a year earlier. Net NPAs were 0.30%, down from 0.35% and 0.39%. Provisions excluding tax were ₹851 crore against ₹914 crore a year earlier. The bank also holds ₹13,100 crore of contingency provisions and ₹1,283 crore of additional standard asset provisions on agricultural priority sector loans, made in Q3 FY26 on RBI direction.
Gross NPA additions were ₹4,833 crore and net additions ₹1,213 crore. Write-offs were ₹1,592 crore, and the provision coverage ratio was 75%.
Capital
The total capital adequacy ratio was 16.68% and CET-1 was 16.01%, against regulatory minimums of 11.70% and 8.20%. The report does not give deposits, advances, CASA or a dividend.
Key numbers
- Net profit: ₹14,843 cr (+20.1% YoY)
- Net interest income: ₹25,339 cr (+17.7% YoY)
- Net interest margin: 4.18% (From 4.3% a year ago)
- Gross NPA: 1.20% (From 1.58% a year ago)
What boards and CFOs should note
Three points stand out. First, profit grew faster than the margin, helped by lower provisions and 17.7% growth in interest income. Second, the margin is 12 basis points below a year ago, which is the figure to watch if funding costs rise. Third, gross NPAs have fallen 38 basis points in a year, with coverage at 75%.
Source: Business Today, 17 October 2026. This is a summary of a news report, published as general information. It is not legal, tax or investment advice.
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