The results show steady operational momentum with strong loan/deposit growth and improving asset quality, but NIM compression to 4.18% and a treasury loss of Rs. 230 crore are headwinds. Monitor the RBI review outcome on the agricultural priority sector provision (Rs. 1,283 crore) and NIM trajectory in coming quarters.
Price Chart
Executive Summary
ICICI Bank reported Q2-2027 (standalone) net profit of Rs. 14,843 crore, up 20.1% YoY from Rs. 12,359 crore, driven by 17.7% YoY net interest income growth to Rs. 25,339 crore and strong fee income growth of 20.1% YoY. Asset quality improved further with gross NPA ratio declining to 1.20% from 1.58% YoY and net NPA ratio at 0.30%. The results reflect steady operational performance with robust loan growth of 30.0% YoY and deposit growth of 27.1% YoY, though net interest margin compressed to 4.18% from 4.30% YoY.
Key Facts
- Standalone net profit for Q2-2027: Rs. 14,843 crore, up 20.1% YoY from Rs. 12,359 crore
- Net interest income (NII) grew 17.7% YoY to Rs. 25,339 crore
- Net interest margin was 4.18% in Q2-2027 vs 4.30% in Q2-2026
- Fee income grew 20.1% YoY to Rs. 7,795 crore
- Gross NPA ratio improved to 1.20% from 1.58% YoY; net NPA ratio at 0.30% from 0.39% YoY
- Total loan portfolio grew 30.0% YoY to Rs. 18,31,580 crore
- Total period-end deposits grew 27.1% YoY to Rs. 20,49,874 crore
- Total capital adequacy ratio at 16.68% and CET-1 ratio at 16.01% on standalone basis
- Consolidated profit after tax increased to Rs. 16,333 crore in Q2-2027 from Rs. 13,357 crore in Q2-2026
- Bank purchased 2% additional stake in ICICI Life Insurance for Rs. 1,470 crore during Q2-2027
Financial Impact
Standalone net profit of Rs. 14,843 crore (US$ 1.5 billion) for Q2-2027, up 20.1% YoY; NII of Rs. 25,339 crore (US$ 2.6 billion), up 17.7% YoY
Risk Factors
- Net interest margin compressed to 4.18% from 4.30% YoY, with further pressure possible
- Treasury loss of Rs. 230 crore in Q2-2027 vs gain of Rs. 220 crore in Q2-2026
- RBI-directed additional standard asset provision of Rs. 1,283 crore remains unresolved
- Borrowings increased significantly to Rs. 2,04,553 crore from Rs. 1,11,818 crore YoY, raising debt-equity ratio to 0.35 from 0.19
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 6-K Filing (Primary) | 0000950103-26-015987 |
| Document: 0000950103-26-015987-index-headers.html | 0000950103-26-015987 |
| Document: 0000950103-26-015987-index.html | 0000950103-26-015987 |
| Document: 0000950103-26-015987.txt | 0000950103-26-015987 |
Track record builds as more directional reports settle.
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| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 1d ago | 6-K | $29.60 | awaiting T+60 | — | $28.92 (−2.30%) |
Oct 26, 2026 1d ago | 6-K | $29.60 | awaiting T+60 | — | $28.92 (−2.30%) |
Oct 22, 2026 5d ago | 6-K | $29.94 | awaiting T+60 | — | $28.92 (−3.41%) |
Oct 22, 2026 5d ago | 6-K | $29.94 | awaiting T+60 | — | $28.92 (−3.41%) |
Oct 22, 2026 5d ago | 6-K | $29.94 | awaiting T+60 | — | $28.92 (−3.41%) |
Oct 14, 2026 12d ago | 6-K | $29.44 | awaiting T+60 | — | $28.92 (−1.77%) |
Oct 6, 2026 21d ago | 6-K | $28.02 | awaiting T+60 | — | $28.92 (+3.21%) |
Sep 30, 2026 27d ago | 6-K | $27.55 | awaiting T+60 | — | $28.92 (+4.97%) |
Sep 28, 2026 29d ago | 6-K | $27.30 | awaiting T+60 | — | $28.92 (+5.93%) |
Sep 23, 2026 4w ago | 6-K | $27.91 | awaiting T+60 | — | $28.92 (+3.62%) |
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