CALCULATE YOUR SIP RETURNS

ICICI Bank Q2 FY26 Earnings Results: Net Profit Rises 5% to ₹12,359 Crore on Lower Provisions

द्वारा लिखित: Kusum Kumariअपडेट किया गया: 20 Oct 2025, 5:44 pm IST
ICICI Bank posts Q2 FY26 profit of ₹12,359 crore, up 5%, boosted by low provisions; treasury income falls on rising bond yields.
ICICI Bank Q2 FY26 Earnings
शेयर करेंShare on 1Share on 2Share on 3Share on 4Share on 5

ICICI Bank’s standalone net profit for Q2FY26 grew 5.2% year-on-year to ₹12,359 crore, up from ₹11,746 crore in the same quarter last year. The growth was mainly due to lower provisions, as total provisions for the quarter stood at ₹914 crore compared to ₹1,233 crore a year earlier.

Treasury Segment Faces Pressure

Treasury income fell sharply to ₹220 crore from ₹680 crore due to rising bond yields affecting investment portfolios. Despite this, the bank’s core operating profit increased 6.5% Y-o-Y to ₹17,078 crore.

Strong Loan Growth and Stable NIM

Net interest income rose 7.4% Y-o-Y to ₹21,529 crore, aided by a 10.6% growth in the domestic loan portfolio. The net interest margin (NIM) remained steady at 4.30%. Non-interest income, excluding treasury gains, climbed 13.2% to ₹7,356 crore, with fee income up 10.1% to ₹6,491 crore, largely from retail, rural, and business banking.

Asset Quality Improves

The gross NPA ratio improved to 1.58% from 1.97% a year ago, while net NPA declined to 0.39% from 0.42%. Net additions to gross NPAs were ₹1,386 crore, while the bank wrote off NPAs worth ₹2,263 crore during the quarter. The provisioning coverage ratio stood at 75%.

Deposit and Advances Growth

Total advances rose 10.3% Y-o-Y to ₹14.08 trillion. Retail loans accounted for 52.1% of advances, growing 6.6%. Business banking loans grew 24.8%, corporate loans 3.5%, and rural loans fell 1.3%. Average CASA ratio was 39.2%, with current account deposits up 12.6% and savings accounts up 8.5%.

ICICI Bank Share Price Movement

As of 20 October 2025, ICICI Bank share price (NSE: ICICIBANK) is trading at ₹1,404.00, down ₹32.60 or 2.27% for the day. The stock opened at ₹1,442.00, reaching an intraday high of ₹1,445.00 and a low of ₹1,397.80. The bank has a market capitalisation of ₹10.03 lakh crore and a price-to-earnings (P/E) ratio of 19.07. Its 52-week high stands at ₹1,500.00, while the 52-week low is ₹1,186.00. ICICI Bank offers a dividend yield of 0.78%, with a quarterly dividend amount of ₹2.74.

Read more: Diwali 2025: When Are BSE and NSE Closed for the Festival of Lights?

Capital Position

The bank’s capital adequacy ratio stood at 17%, with a CET-1 ratio of 16.35%, maintaining a strong capital base to support future growth.

Conclusion

ICICI Bank’s Q2 performance reflects strong core banking growth, lower credit costs, and improving asset quality. While treasury gains were weak, steady loan growth and robust capital ratios position the bank well for the upcoming quarters.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Published on: Oct 20, 2025, 12:14 PM IST

Kusum Kumari

Kusum Kumari is a Content Writer with 4 years of experience in simplifying financial market concepts. Currently crafting insightful content at Angel One, She specialise in breaking down complex topics into easy-to-understand pieces, blending expertise in market fundamentals and technical analysis.

Know More

We're Live on WhatsApp! Join our channel for market insights & updates

Open Free Demat Account!

Join our 3 Cr+ happy customers

+91
Enjoy Zero Brokerage on Equity Delivery
4.4 Cr+DOWNLOADS
Enjoy ₹0 Account Opening Charges

Get the link to download the App

Get it on Google PlayDownload on the App Store
Open Free Demat Account!
Join our 3 Cr+ happy customers