icici bank q4 results
ICICI Bank Q4 Results: Net Profit Rises 8.5% to Record ₹13,702 Crore, Asset Quality Shines(icici bank results)
Mumbai, April 18, 2026 – ICICI Bank Ltd, India’s second-largest private sector lender, on Saturday reported an 8.5% year-on-year (YoY) rise in its standalone net profit for the fourth quarter ending March 31, 2026, reaching ₹13,702 crore. The earnings significantly surpassed market estimates, driven by a sharp reduction in provisions, robust loan growth, and an improvement in asset quality .
The bank’s board also recommended a final dividend of ₹12 per share for the financial year 2025-26, subject to shareholder approval .
Strong Financial Performance
According to the regulatory filing, the lender’s core income metrics remained resilient despite a mixed macroeconomic environment.icici bank results
· Net Interest Income (NII): The difference between interest earned and interest expended rose by 8.4% to ₹22,979 crore, up from ₹21,193 crore in the same quarter last year. This was slightly above the CNBC-TV18 poll estimate of ₹22,755 crore .
· Net Interest Margin (NIM): The bank reported a stable NIM of 4.32% for the quarter, compared to 4.3% in the previous quarter (Q3 FY26) .
The "Beat" Factor: Provisions Plunge
The most significant contributor to the profit beat was the dramatic reduction in provisions (money set aside for bad loans). ICICI Bank managed to lower its provisions to a mere ₹96 crore for the reporting quarter.
This represents a decline of nearly 89% compared to ₹891 crore in Q4 FY25 and a massive sequential drop of over 96% from the ₹2,556 crore set aside in the December quarter . This reduction directly bolstered the bottom line, allowing the net profit to jump over 21% sequentially.icici bank results
Asset Quality at a Decadal High
ICICI Bank continues to clean up its balance sheet, achieving some of the best asset quality metrics in its modern history.icici bank results
· Gross Non-Performing Assets (NPA): The gross NPA ratio improved to 1.40% of total loans, down from 1.53% in the previous quarter and 1.67% a year ago .
· Net NPA (NNPA): The net NPA ratio fell to 0.33% , compared to 0.37% in Q3 FY26 and 0.39% in Q4 FY25 .
· Absolute NPA: In absolute terms, gross NPAs declined to ₹23,051.9 crore from ₹23,758 crore in the preceding quarter .icici bank results
The bank’s total advances grew by 15.8% YoY and 6% sequentially, reaching ₹15.53 lakh crore as of March 31, 2026, indicating healthy credit demand .icici bank results
Consolidated Performance
On a consolidated basis (which includes its subsidiaries like ICICI Prudential Life, ICICI Lombard General Insurance, and ICICI Securities), the bank reported a net profit of ₹14,755 crore for the March quarter. This marks a 9.28% increase compared to ₹13,502 crore in the corresponding period of the previous fiscal year .
For the full fiscal year 2025-26, the consolidated post-tax profit stood at ₹50,147 crore, a 6.2% rise from ₹47,227 crore in FY25 .
Market Reaction and Outlook
icici bank results
Ahead of the results, ICICI Bank shares closed 0.5% higher at ₹1,352.8 on the BSE on April 17. The stock has shown resilience, rising nearly 4% over the past month .
Analysts attribute the strong performance to the bank's cautious underwriting standards and its ability to control operating expenses, which rose by 12% to ₹12,089 crore during the quarter .
"The sharp drop in provisions suggests that the worst of the asset quality cycle is behind the bank. The numbers are qualitatively very strong," said a banking analyst based in Mumbai.
With these results, ICICI Bank continues to solidify its position as a frontrunner in the Indian banking sector, showcasing profitability alongside robust balance sheet health.
