ICICI Bank LimitedQ1 FY27 Results & Financial Update
ICICI Bank Limited: Q1 FY27 consolidated results and company financials – revenue ₹79,689.22 Cr, PAT ₹15,440.06 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore ICICI Bank Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
ICICI Bank delivered a robust performance for the quarter ended June 30, 2026 (Q1 FY27), supported by steady core operating income expansion and disciplined provision management. According to the company's investor presentation, net interest income grew by 12.7% year-on-year to ₹243.84 billion, reflecting healthy asset growth and stable lending spreads.
Non-interest income stood at ₹85.76 billion for Q1 FY27, representing a modest year-on-year increase of 0.8%, which brought core operating income to ₹329.60 billion, up 9.4% compared to the corresponding period of the previous year.
Operating expenses (non-interest expenses) rose by 10.4% year-on-year to ₹125.74 billion, reflecting ongoing investments in branch expansion, technology infrastructure, and employee compensation. Despite these operating outlays, operating profit before provisions advanced 8.7% year-on-year to reach ₹203.86 billion.
A key highlight of the quarter was the reduction in credit costs; provisions and contingencies declined by 30.6% year-on-year to ₹12.60 billion. This lower provisioning burden lifted profit before tax by 13.0% year-on-year to ₹191.26 billion.
Net profit after tax (PAT) for Q1 FY27 reached ₹148.05 billion (US$ 1.56 billion), marking a strong 15.9% year-on-year growth compared to Q1 FY26. This earnings expansion translated into an annualized return on average assets (RoA) of 2.49% and an annualized return on average equity (RoE) of 17.14%.
On the balance sheet side, total advances expanded by 19.6% year-on-year to reach ₹16,312.60 billion (US$ 172.0 billion) as of June 30, 2026, driven by broad-based credit demand across retail, SME, and corporate segments.
01 · Historical context
What shaped the business before this quarter
In FY2024, the bank reported net interest income of ₹743.06 billion, profit after tax of ₹408.88 billion, and a gross non-performing asset ratio of 2.16%.
Net interest income expanded to ₹811.65 billion in FY2025 alongside profit after tax of ₹472.27 billion, while the branch network reached 6,983 outlets by March 31, 2025.
During FY2026, the bank added 528 new branches to reach 7,511 branches by March 31, 2026, with annual net interest income rising to ₹880.75 billion and total advances closing at ₹15,538.93 billion.
02 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹79,689.22 Cr |
| Interest income | ₹52,240.85 Cr |
| Other income | ₹27,448.37 Cr |
| Pre-provision operating profit | ₹22,604.33 Cr |
| Provisions | ₹1,297.20 Cr |
| Profit before tax | ₹21,373.61 Cr |
| Profit after tax | ₹15,440.06 Cr |
| EPS | ₹21.29 |
| Return on assets | 0.02% |
03 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Net interest income for Q1 FY27 reached ₹243.84 billion, representing a 12.7% increase over ₹216.35 billion reported in Q1 FY26, driven by robust expansion in the loan portfolio.
Core operating income, combining net interest income and non-interest income, grew by 9.4% year-on-year to ₹329.60 billion for Q1 FY27 compared to ₹301.40 billion in Q1 FY26.
Non-interest income contributed ₹85.76 billion in Q1 FY27, showing stable performance with a 0.8% increase compared to ₹85.05 billion in the corresponding period of the previous year.
Net interest income grew by 12.7% year-on-year to ₹243.84 billion in Q1 FY27, driven by strong 19.6% year-on-year growth in total advances alongside stable net interest margins.
Core operating income, comprising net interest income and non-interest income, reached ₹329.60 billion for Q1 FY27, marking a 9.4% increase over the corresponding period of the previous year.
Non-interest income stood at ₹85.76 billion for Q1 FY27 compared to ₹85.05 billion in Q1 FY2026, reflecting steady underlying contributions from retail fees, transaction banking, and commission-based subsidiary operations.
Net interest income grew 12.7% year-on-year to INR 243.84 billion in Q1-2027, driven by strong expansion in interest-earning assets and stable net interest margins.
Core operating income, combining net interest income and non-interest income, reached INR 329.60 billion in Q1-2027, representing a 9.4% year-on-year increase.
Non-interest income contributed INR 85.76 billion during the quarter, supported by retail fees, transaction banking, and subsidiary contributions.
Net interest income reached ₹243.84 billion in Q1 FY27, representing a 12.7% growth compared to Q1 FY26, driven by an expanding loan portfolio.
Non-interest income contributed ₹85.76 billion to the quarter's results, showing a stable 0.8% increase over the corresponding previous-year period.
Net interest income rose 12.7% year-on-year to ₹ 243.84 billion in Q1-2027 from ₹ 216.35 billion in Q1-2026, driven by growth in interest-earning assets and advances.
Core operating income reached ₹ 329.60 billion in Q1-2027, representing a 9.4% increase over ₹ 301.40 billion in Q1-2026, supported by both interest and fee streams.
Non-interest income was recorded at ₹ 85.76 billion for Q1-2027, compared to ₹ 85.05 billion in Q1-2026, reflecting stable fee generation and subsidiary contributions.
Core operating income reached ₹329.60 billion in Q1 FY27, representing a 9.4% year-on-year increase from ₹301.40 billion in Q1 FY26.
Non-interest income stood at ₹85.76 billion in Q1 FY27, compared to ₹85.05 billion in Q1 FY26.
NIM, spread, funding cost and credit cost
The net interest margin remained stable at 4.36% for Q1 FY27, compared to 4.34% in Q1 FY26 and 4.32% for the full year FY2026.
Cost-to-average assets improved slightly to 2.15% in Q1 FY27 compared to 2.19% in Q1 FY26, demonstrating operating leverage despite rising absolute non-interest expenses.
Return on average assets (RoA) strengthened to 2.49% in Q1 FY27 from 2.44% in Q1 FY26, while return on average equity (RoE) stood firm at 17.14%.
Net interest margin (NIM) remained resilient, standing at 4.36% for Q1 FY27 compared to 4.34% in Q1 FY2026 and 4.32% for the full year FY2026.
Cost-to-average assets improved slightly to 2.15% in Q1 FY27 from 2.19% in Q1 FY26, as core operating income growth outpaced the 10.4% increase in non-interest expenses (operating expenses of ₹125.74 billion).
Net interest margin remained stable at 4.36% in Q1-2027 compared to 4.34% in Q1-2026 and 4.32% for the full year FY2026.
Cost-to-average-assets ratio improved slightly to 2.15% in Q1-2027 from 2.19% in Q1-2026, reflecting operating leverage despite a 10.4% increase in non-interest expenses.
Return on average assets (RoA) strengthened to 2.49% for Q1-2027, while return on average equity (RoE) stood at 17.14%.
The net interest margin remained stable at 4.36% for Q1 FY27, compared to 4.34% in Q1 FY26, reflecting disciplined pricing and funding cost management.
Non-interest expenses increased by 10.4% year-over-year to ₹125.74 billion in Q1 FY27, while the cost-to-average-assets ratio improved slightly to 2.15% from 2.19% in Q1 FY26.
Cost to average assets improved slightly to 2.15% in Q1-2027 from 2.19% in Q1-2026, reflecting operating leverage across the franchise.
Return on average assets (RoA) strengthened to 2.49% for Q1-2027 compared to 2.44% in Q1-2026, while return on average equity (RoE) remained strong at 17.14%.
Cost to average assets improved slightly to 2.15% in Q1 FY27 from 2.19% in Q1 FY26.
Cost-to-average-assets ratio improved slightly to 2.15% in Q1 FY27 from 2.19% in Q1 FY26, reflecting positive operating leverage.
Provisions and contingencies decreased by 30.6% year-on-year to ₹12.60 billion in Q1 FY27 from ₹18.15 billion in Q1 FY26, reducing pressure on earnings.
Return on average assets strengthened to 2.49% for Q1-2027 from 2.44% in Q1-2026, while return on average equity remained strong at 17.14% compared to 17.07% a year earlier.
04 · Loan growth, sanctions & disbursements
How the lending book is moving
Total advances grew by 19.6% year-on-year to ₹16,312.60 billion (US$ 172.0 billion) as of June 30, 2026, up from ₹13,641.57 billion as of June 30, 2025.
Total deposits rose 14.0% year-on-year to ₹18,335.86 billion (US$ 193.3 billion) as of June 30, 2026, compared to ₹16,085.18 billion a year earlier.
Term deposits grew 17.3% year-on-year to ₹11,093.30 billion, demand deposits increased 14.2% to ₹2,478.86 billion, and savings deposits rose 6.8% to ₹4,763.70 billion, resulting in a period-end CASA ratio of 39.5%.
Total advances expanded by 19.6% year-on-year to reach ₹16,312.60 billion as of June 30, 2026, reflecting sustained credit demand across customer segments.
Total deposits grew by 14.0% year-on-year to ₹18,335.86 billion as of June 30, 2026, underpinned by granular retail inflows.
Total advances grew 19.6% year-on-year to INR 16,312.60 billion as of June 30, 2026, supported by a well-diversified, granular, and collateralized loan book.
Period-end total deposits expanded 14.0% year-on-year to INR 18,335.86 billion as of June 30, 2026, with term deposits growing 17.3% to INR 11,093.30 billion and savings deposits growing 6.8% to INR 4,763.70 billion.
Total advances reached ₹16,312.60 billion as of June 30, 2026, representing a healthy 19.6% year-over-year growth from ₹13,641.57 billion at June 30, 2025.
Period-end total deposits grew by 14.0% year-over-year to ₹18,335.86 billion as of June 30, 2026, led by a 17.3% increase in term deposits to ₹11,093.30 billion.
Total savings deposits stood at ₹4,763.70 billion and demand deposits at ₹2,478.86 billion, contributing to a period-end CASA ratio of 39.5%.
Total advances grew by 19.6% year-on-year to reach ₹ 16,312.60 billion ($172.0 billion) as of June 30, 2026, supported by a diversified, granular, and collateralized loan portfolio.
Total deposits expanded by 14.0% year-on-year to ₹ 18,335.86 billion ($193.3 billion) as of June 30, 2026.
Total deposits expanded by 14.0% year-on-year to ₹18,335.86 billion (US$ 193.3 billion) as of June 30, 2026, anchored by term deposits of ₹11,093.30 billion, savings deposits of ₹4,763.70 billion, and demand deposits of ₹2,478.86 billion.
The period-end CASA ratio stood at 39.5% as of June 30, 2026.
Period-end total deposits expanded by 14.0% year-on-year to ₹18,335.86 billion (US$ 193.3 bn) as of June 30, 2026.
Period-end CASA ratio stood at 39.5% as of June 30, 2026, underpinned by savings deposits of ₹4,763.70 billion and demand deposits of ₹2,478.86 billion.
Term deposits grew by 17.3% year-on-year to reach ₹11,093.30 billion as of June 30, 2026, up from ₹9,457.04 billion as of June 30, 2025.
Total advances grew by 19.6% year-on-year to reach ₹16,312.60 billion (US$ 172.0 bn) as of June 30, 2026, up from ₹13,641.57 billion a year earlier.
05 · Portfolio mix & lending exposure
Where the loan book is concentrated
Segments and products
Total advances reached ₹16,312.60 billion as of June 30, 2026, characterized by a well-diversified, granular, and collateralized loan book spanning retail, SME, and corporate borrowers.
The bank maintained market leadership across a full suite of financial services through its subsidiaries, spanning life insurance, general insurance, asset management, broking, housing finance, and pension fund management.
As of March 31, 2026, the branch network comprised 2,356 branches in metro locations (31.4% share), 1,507 in urban areas (20.1%), 1,956 in semi-urban areas (26.0%), and 1,692 in rural areas (22.5%), totaling 7,511 branches.
The bank operated 12,087 ATMs and Cash Recycling Machines (CRMs) as of March 31, 2026.
As of March 31, 2026, the branch network was distributed across metro (31.4%), urban (20.1%), semi-urban (26.0%), and rural (22.5%) locations, reflecting a balanced geographical presence.
Total advances grew by 19.6% year-on-year to ₹16,312.60 billion (US$ 172.0 bn) as of June 30, 2026, maintained across a well-diversified, granular, and collateralised loan book.
As of March 31, 2026, the branch network comprised 2,356 metro branches (31.4%), 1,507 urban branches (20.1%), 1,956 semi-urban branches (26.0%), and 1,692 rural branches (22.5%).
Geography and market mix
The bank's distribution network of 7,608 branches as of June 30, 2026, maintained broad geographic spread, with 31.4% of branches located in metro areas, 20.1% in urban areas, 26.0% in semi-urban areas, and 22.5% in rural locations as of March 31, 2026.
The bank operated a total network of 7,608 branches and 12,087 ATMs and cash recycling machines across India as of June 30, 2026.
The total branch count reached 7,608 as of June 30, 2026, distributed across metro (31.4%), urban (20.1%), semi-urban (26.0%), and rural (22.5%) geographies based on FY2026 classifications.
06 · Asset quality & capital strength
How credit quality and balance-sheet capacity changed
Asset quality, stages and credit risk
The net NPA ratio improved to 0.35% as of June 30, 2026, compared to 0.41% as of June 30, 2025, and 0.33% as of March 31, 2026.
The provision coverage ratio stood at 74.7% as of June 30, 2026, compared to 75.3% as of June 30, 2025.
The bank maintained robust contingency provisions of ₹131.00 billion (US$ 1.4 billion) as of June 30, 2026.
Gross non-performing asset ratios demonstrated a consistent multi-year improvement, declining from 2.16% in FY2024 to 1.4% in Q1 FY27.
Gross NPA improved consistently to 1.4% in Q1 FY27, while the Net NPA ratio stood at 0.35% as of June 30, 2026, compared to 0.41% as of June 30, 2025.
Provision coverage ratio stood at 74.7% as of June 30, 2026, supported by total contingency provisions of ₹131.00 billion (US$ 1.4 billion).
The net NPA ratio stood at 0.35% as of June 30, 2026, improving from 0.41% as of June 30, 2025, and 0.33% at March 31, 2026.
The provision coverage ratio was 74.7% as of June 30, 2026, alongside contingency provisions of INR 131.00 billion (US$ 1.4 bn).
GNPA improved to 1.4% in Q1-2027, while the net NPA ratio stood at 0.35% as of June 30, 2026, down from 0.41% as of June 30, 2025.
Gross non-performing asset ratio stood at 1.4% as of June 30, 2026, while the net NPA ratio improved to 0.35% from 0.41% in Q1-2026.
Gross NPA ratio improved to 1.4% in Q1 FY27 from 2.16% in FY2024, while the net NPA ratio was 0.35% as of June 30, 2026.
Gross NPA ratio improved to 1.4% in Q1 FY27, while the net NPA ratio stood at 0.35% as of June 30, 2026.
Provision coverage ratio was maintained at a robust 74.7% as of June 30, 2026.
Capital adequacy, net worth and balance-sheet capacity
Total capital adequacy ratio stood at 16.84% as of June 30, 2026 (with Common Equity Tier-1 ratio at 16.19%), comfortably above regulatory requirements.
Net worth expanded by 15.4% year-on-year to reach ₹3,534.91 billion (US$ 37.2 billion) as of June 30, 2026, compared to ₹3,063.21 billion as of June 30, 2025.
Net worth expanded by 15.4% year-on-year to ₹3,534.91 billion as of June 30, 2026. Total Capital Adequacy Ratio stood at 16.84% (with Common Equity Tier-1 at 16.19%), comfortably above regulatory requirements.
The bank maintained adequate liquidity buffers, including Statutory Liquidity Ratio (SLR) investments of ₹4,255.10 billion (US$ 44.9 billion) as of June 30, 2026.
Net worth reached INR 3,534.91 billion as of June 30, 2026, representing a 15.4% year-on-year increase.
Total capital adequacy ratio stood at 16.84% (with CET-1 at 16.19%) as of June 30, 2026. Net worth increased by 15.4% year-on-year to ₹ 3,534.91 billion ($37.2 billion).
07 · Strategy & portfolio evolution
How the lending mix and strategic agenda are changing
The bank continued to scale its physical and digital distribution touchpoints, adding 57 branches during the quarter to reach 7,608 branches alongside 12,087 ATMs and cash recycling machines.
08 · Reported developments
What changed operationally
Profit after tax increased by 15.9% year-on-year to ₹148.05 billion in Q1 FY27, driven by core operating income expansion and lower credit provisions.
The total branch count increased to 7,608 outlets as of June 30, 2026, expanding customer reach across metropolitan, urban, semi-urban, and rural areas.
Reported Profit After Tax grew 15.9% year-on-year to ₹148.05 billion for Q1 FY27, driven by a 12.7% increase in net interest income and a 30.6% reduction in provisions.
Total advances grew robustly by 19.6% year-on-year to ₹16,312.60 billion, outperforming overall deposit growth and reflecting strong credit demand.
Profit after tax grew 15.9% year-on-year to INR 148.05 billion in Q1-2027, driven by healthy core income generation and lower credit provisions.
Adequate liquidity was maintained with SLR investments of INR 4,255.10 billion supporting balance-sheet stability.
Profit after tax grew 15.9% year-on-year to ₹148.05 billion in Q1 FY27.
Net NPA ratio improved to 0.35% as of June 30, 2026, from 0.41% as of June 30, 2025, with a provision coverage ratio of 74.7%.
Return on average assets (RoA) remained healthy at 2.49% for Q1 FY27, while Return on average equity (RoE) stood strong at 17.14%.
09 · Items worth noticing
The line items that can distort a quick read
Provisions and contingencies declined by 30.6% year-on-year to ₹12.60 billion in Q1 FY27 compared to ₹18.15 billion in Q1 FY26, contributing positively to bottom-line growth.
Provisions and contingencies decreased by 30.6% year-on-year to ₹12.60 billion in Q1 FY27 from ₹18.15 billion in Q1 FY2026, contributing positively to net earnings growth.
Provisions and contingencies decreased by 30.6% year-on-year to INR 12.60 billion in Q1-2027 compared to INR 18.15 billion in Q1-2026.
Provisions and contingencies for Q1 FY27 decreased by 30.6% year-over-year to ₹12.60 billion, reflecting stable asset quality and adequate contingency buffers totaling ₹131.00 billion.
Provisions and contingencies decreased by 30.6% year-on-year to ₹12.60 billion in Q1 FY27, alongside contingency provisions of US$ 1.4 billion (₹131.00 billion) maintained as of June 30, 2026.
10 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
Total borrowings stood at ₹1,262.92 billion as of June 30, 2026, representing a 7.9% increase from ₹1,170.95 billion as of June 30, 2025.
Total deposits reached ₹18,335.86 billion, consisting of ₹11,093.30 billion in term deposits, ₹4,763.70 billion in savings deposits, and ₹2,478.86 billion in demand deposits, resulting in a CASA ratio of 39.5%.
Statutory Liquidity Ratio (SLR) investments stood at INR 4,255.10 billion (US$ 44.9 bn) as of June 30, 2026, supporting overall liquidity management.
Total borrowings stood at ₹1,262.92 billion as of June 30, 2026, while Statutory Liquidity Ratio (SLR) investments provided adequate liquidity at ₹4,255.10 billion.
Period-end total deposits reached ₹ 18,335.86 billion as of June 30, 2026, comprising term deposits of ₹ 11,093.30 billion, savings deposits of ₹ 4,763.70 billion, and demand deposits of ₹ 2,478.86 billion, with a CASA ratio of 39.5%.
Borrowings stood at ₹ 1,262.92 billion as of June 30, 2026, representing a 7.9% year-on-year increase. SLR investments totaled ₹ 4,255.10 billion ($44.9 billion), ensuring adequate liquidity.
Term deposits expanded by 17.3% year-on-year to ₹11,093.30 billion, while borrowings grew by 7.9% year-on-year to ₹1,262.92 billion as of June 30, 2026.
Total borrowings stood at ₹1,262.92 billion as of June 30, 2026, compared to ₹1,170.95 billion as of June 30, 2025.
11 · Beyond the numbers
What changed beyond the numbers
Reported update
Credit Ratings
International credit ratings stood at BBB/Stable with a Standalone Credit Profile (SACP) of 'a-' from S&P, and Baa3/Stable from Moody's as of June 2026.
Reported update
Market Capitalization
The bank's market capitalization was recorded at US$ 110.5 billion as of July 21, 2026.
Reported update
Systemic Importance
The bank is officially designated as one of the three Domestic Systemically Important Banks (D-SIBs) in India by the Reserve Bank of India.
Reported update
Credit Ratings
S&P maintains a rating of BBB/Stable with a Standalone Credit Profile (SACP) of 'a-', while Moody's maintains a rating of Baa3/Stable as of Q1 FY27.
12 · Previous-quarter changes
What changed since the previous quarter
The bank's branch network increased from 7,511 branches as of March 31, 2026, to 7,608 branches as of June 30, 2026.
13 · Key Q&A
The quarter, answered directly
What is the clearest takeaway from Q1 FY27?
ICICI Bank delivered a robust performance for the quarter ended June 30, 2026 (Q1 FY27), supported by steady core operating income expansion and disciplined provision management. According to the company's investor presentation, net interest income grew by 12.7% year-on-year to ₹243.84 billion, reflecting healthy asset growth and stable lending spreads.
What drove earnings or loan-book movement?
Net interest income for Q1 FY27 reached ₹243.84 billion, representing a 12.7% increase over ₹216.35 billion reported in Q1 FY26, driven by robust expansion in the loan portfolio.
What mattered most for margins, funding or credit cost?
The net interest margin remained stable at 4.36% for Q1 FY27, compared to 4.34% in Q1 FY26 and 4.32% for the full year FY2026.
What changed operationally beyond the headline numbers?
The net NPA ratio improved to 0.35% as of June 30, 2026, compared to 0.41% as of June 30, 2025, and 0.33% as of March 31, 2026.
What should the next disclosure help confirm?
Monitor subsequent quarterly disclosures for continued momentum in advances growth relative to the 19.6% year-on-year rate recorded in Q1 FY27.
14 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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15 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Loan Book Growth Trajectory: Monitor subsequent quarterly disclosures for continued momentum in advances growth relative to the 19.6% year-on-year rate recorded in Q1 FY27.
- 02
Asset Quality and Provisioning Trends: Track the evolution of net NPA ratios (standing at 0.35% as of June 30, 2026) and credit provision levels across upcoming quarters.
- 03
Net Interest Margin Stability: Observe future net interest margins against the 4.36% level reported for Q1 FY27 amid shifting interest rate environments.
- 04
Asset Quality Tracking: Monitor future quarterly movements in GNPA and Net NPA ratios, alongside the provision coverage ratio and contingency provision buffers.
- 05
Margin and Cost Trajectory: Track net interest margin trends and operating expense growth relative to core operating income to evaluate ongoing operating leverage.
- 06
Credit-to-Deposit Momentum: Observe the relative growth rates of advances and retail/CASA deposits to assess liquidity management and funding costs.
- 07
Asset quality tracking: Monitor quarterly progression in net NPA ratios, provision coverage, and credit cost trends across retail and corporate portfolios.
- 08
Margin and deposit evolution: Track the trajectory of net interest margins and CASA deposit mobilization amid competitive industry funding conditions.
- 09
Capital adequacy monitoring: Observe CET-1 and total capital adequacy ratios against regulatory thresholds as loan book expansion continues.
- 10
Deposit Mobilisation: Observe deposit growth rates and CASA ratio movements relative to credit growth across subsequent quarters.
- 11
Loan Book and Deposit Trajectory: Monitor subsequent quarterly disclosures for continued advance growth relative to the 19.6% year-on-year pace and CASA ratio stability.
- 12
Asset Quality Metrics: Track future movements in Net NPA ratio (0.35% in Q1 FY27) and provision coverage levels.
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