ICICI Bank Q4 FY26 Results: Net Profit Rises 8.5%, ₹12 Dividend Announced

ICICI Bank reported results for the March 2026 quarter (Q4 FY26), with growth in profit, income, loans and deposits, along with improving asset quality.

ICICI Bank Q4 FY26 Earnings: Net Profit and Income Growth

The bank reported a standalone net profit of ₹13,701.68 crore, up 8.5% YoY from ₹12,629.58 crore. On a quarterly basis, profit rose 21% from ₹11,317.86 crore in Q3FY26.

Total standalone income stood at ₹50,584 crore, up 1.8% YoY and 2.5% QoQ.

Net Interest Income (NII) increased 8.4% YoY to ₹22,979 crore. Net Interest Margin (NIM) was 4.32%, almost unchanged from last year.

Core operating profit grew 5.1% YoY to ₹18,305 crore. Non-interest income (excluding treasury) rose 5.6% YoY to ₹7,415 crore.

Operating expenses increased 12% YoY to ₹12,089 crore. The bank reported a small treasury loss of ₹106 crore during the quarter.

Lower Provisions and Strong Asset Quality

Provisions dropped sharply to ₹96 crore from ₹891 crore last year due to better recoveries.

Asset quality improved:

• Gross NPA ratio: 1.40% (vs 1.67% last year)
• Net NPA ratio: 0.33% (vs 0.39% last year)
  Provision coverage ratio stood at 75.8%.

Loan Growth Across Segments

Total advances grew 15.8% YoY to ₹15.53 lakh crore.

Segment growth:

• Retail loans: +9.5% YoY (50.4% of portfolio)
• Business banking: +24.4% YoY
• Rural portfolio: +25.6% YoY
• Corporate loans: +9.3% YoY

Deposits and Network Expansion

Total deposits rose 11.4% YoY to ₹17.94 lakh crore. CASA deposits increased 11.3% YoY.

The bank expanded its network with 126 new branches in Q4, taking the total to 7,511 branches and 12,087 ATMs/cash machines.

Capital Strength and Dividend

Capital Adequacy Ratio stood at 17.18%, well above regulatory requirements.

The bank recommended a dividend of ₹12 per share for FY26 (subject to approvals).

Fundraising and Management Update

The board approved fundraising plans:

• Up to ₹250 billion via domestic debt securities
• Up to $1.5 billion through overseas bonds and deposits

The tenure of the Group Chief Risk Officer was extended till July 2028.

Read More: GAIL Share Price in Focus; Signs Long-Term LNG Carrier Charter Agreement with Alpha Gas! 

ICICI Bank Share Price Movement

ICICI Bank share price (NSE: ICICIBANK) was trading at ₹1,358.70 on the NSE at 11:17 AM, up ₹11.90 (0.88%) for the day. The stock opened at ₹1,364.70, touched a high of ₹1,376.40, and a low of ₹1,355.10 during the session. Over the past year, the stock has recorded a 52-week high of ₹1,500.00 and a 52-week low of ₹1,187.60. It offers a dividend yield of 0.81%, with a quarterly dividend amount of ₹2.75 per share.

Conclusion

ICICI Bank delivered healthy Q4 results with strong loan growth, improving asset quality and stable margins. The dividend and fundraising plans highlight the bank’s confidence in future growth and expansion.

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.