ICICI Bank Limited Reports Audited Financial Results for FY 2025-26

ICICI Bank Limited (NSE: ICICIBANK, BSE: 532174) has released its audited consolidated financial results for the quarter and fiscal year ended March 31, 2026. The bank reported a steady performance with consolidated net profit for the full year crossing the ₹54,000 crore mark, supported by robust growth in its core banking and insurance subsidiaries.

Annual Financial Performance (FY2026 vs. FY2025)

The bank's full-year performance highlights a consistent growth trajectory in income and a strengthening of its balance sheet.

Total Income: Reached ₹312,118.36 crore, a growth of approximately 6% compared to ₹294,586.94 crore in FY2025.

Net Profit: Consolidated net profit for the year stood at ₹54,207.70 crore, up from ₹51,029.20 crore in the previous fiscal year.

Operating Profit: Grew to ₹82,696.16 crore, reflecting strong operational efficiency across its banking verticals.

Earnings Per Share (EPS): Basic EPS for the year improved to ₹75.89, compared to ₹72.41 in FY2025.

Quarterly Performance Highlights (Q4-2026)

The fourth quarter showcased a strong finish to the fiscal year, with a notable jump in net profit compared to the previous quarter.

Quarterly Net Profit: Stood at ₹14,755.06 crore, a sequential increase of 17.7% over the December 2025 quarter (₹12,537.98 crore).

Total Income (Q4): Reached ₹84,613.66 crore, driven by both interest income and a significant contribution from the insurance business.

Provisions: The bank significantly reduced its quarterly provisions to ₹260.67 crore, down from ₹2,646.52 crore in Q3-2026, indicating improved asset stability.

Asset Quality and Financial Ratios

ICICI Bank continues to demonstrate superior asset quality control with declining NPA levels:

Gross NPA Ratio: Improved to 1.40%, down from 1.67% in March 2025.

Net NPA Ratio: Strengthened to 0.33%, compared to 0.39% a year ago.

Return on Assets (RoA): The bank maintained a healthy annualised RoA of 2.33%.

Net Worth: Consolidated net worth rose to ₹326,794.68 crore as of March 31, 2026.

Segmental Highlights

The bank's diverse portfolio contributed to its overall stability:

Retail Banking: Remained the primary revenue driver with an annual segment revenue of ₹162,394.20 crore.

Wholesale Banking: Recorded an annual profit of ₹24,488.98 crore, a growth of 13.5% over the previous year.

Insurance Subsidiaries: Both Life and General Insurance segments showed healthy growth, with Life Insurance segment profit reaching ₹1,807.68 crore and General Insurance at ₹3,658.97 crore for the year.

Shares of ICICI Bank Limited was last trading in BSE at Rs. 1347.50 as compared to the previous close of Rs. 1345.45. The total number of shares traded during the day was 157520 in over 6257 trades.

The stock hit an intraday high of Rs. 1353.00 and intraday low of 1334.55. The net turnover during the day was Rs. 211411855.00.

Source : Equity Bulls

Keywords

ICICIBank INE090A01021 IBN Q4FY26 Q4FY2026 FY26 FY2026 ResultUpdate