ICICI Bank reported a standalone net profit of ₹12,768 crore for the first quarter of FY26, marking a 15.5% increase year-on-year from ₹11,059 crore in the corresponding quarter of last year. The rise was supported by a healthy expansion in core operating profit, improved asset quality, and steady credit growth.
NII rose 11% YoY to ₹19,093 crore, driven by stable loan growth and strong deposit momentum. However, the net interest margin (NIM) slightly moderated to 4.34%, down from 4.41% in the March 2025 quarter and 4.36% a year ago.
The bank’s core operating profit increased 13.6% YoY to ₹17,505 crore from ₹15,412 crore in Q1 FY25, indicating strong business fundamentals.
Total provisions (excluding taxes) stood at ₹1,815 crore, up from ₹1,332 crore in the same quarter last year. The previous year's figure included a one-time ₹389 crore release related to AIF exposure.
The gross NPA ratio improved significantly to 1.67% as of June 30, 2025, from 2.15% a year ago. Net NPA also declined to 0.41% from 0.43% during the same period. The provisioning coverage ratio on NPAs remained high at 75.3%.
Treasury income surged to ₹1,241 crore in Q1 FY26, nearly doubling from ₹613 crore a year earlier. The gains were primarily from mark-to-market and realised profits on fixed income and equity investments.
Average deposits expanded 11.2% YoY to ₹15.33 lakh crore. The CASA ratio stood at 38.7%, indicating a balanced mix of low-cost deposits.
ICICI Bank’s total advances rose 11.5% YoY and 1.7% sequentially to ₹13.64 lakh crore. Domestic advances grew by 12%, with the retail loan segment contributing 52.2% of the overall loan book. Retail loans grew 6.9% YoY and 0.5% QoQ.
The bank maintained strong capital adequacy and liquidity buffers, underscoring its ability to support sustained credit growth.
ICICI Bank’s Board has proposed a dividend of ₹11 per equity share (face value ₹2 each) for FY 2024–25, subject to shareholder approval at the upcoming Annual General Meeting (AGM).
As per the bank’s stock exchange filing, August 12, 2025, has been designated as the record date to determine the list of eligible shareholders. Once approved, the dividend will be credited directly to the registered bank accounts of eligible shareholders.
It's important to note that, unlike bonus shares, which are reflected in your demat account as additional holdings, dividends are monetary payouts and are deposited as funds into your linked bank account.
Shareholders whose email IDs are not registered will receive a physical letter with a link to access the AGM notice and Annual Report for FY 2024–25.
ICICI Bank share price opened at ₹1,440.65 on July 21, 2025, and was trading at ₹1,449 as of 09:18 AM, marking a gain of ₹22.50 or 1.58% over the previous close of ₹1,426.50. The stock hit an intraday high of ₹1,456.35 and a low of ₹1,436.35, with a volume-weighted average price (VWAP) of ₹1,449.63.
Currently, the stock is trading close to its 52-week high of ₹1,471.10, well above its 52-week low of ₹1,153.30. The upper and lower price bands are ₹1,569.15 and ₹1,283.85, respectively.
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ICICI Bank’s Q1 FY26 results reflect stable operational performance with consistent growth across core metrics, including net profit, deposits, and advances. While the net interest margin saw a modest dip, improvements in asset quality and a strong capital position highlight the bank’s steady financial footing. The results offer insight into the broader health of the banking sector as companies continue reporting their quarterly performance.
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.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Jul 21, 2025, 9:23 AM IST
Neha Dubey
Neha Dubey is a Content Analyst with 3 years of experience in financial journalism, having written for a leading newswire agency and multiple newspapers. At Angel One, she creates daily content on finance and the economy. Neha holds a degree in Economics and a Master’s in Journalism.
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