ICICI Bank Q2 FY2025-26 Results: Net Profit Up 18% YoY to ₹11,650 Crore, Strong NII Growth & Stable Asset Quality
📊 ICICI Bank Q2 FY2025-26 Financial Highlights
| Financial Metrics (₹ in crore) | Q2 FY2025-26 | Q1 FY2025-26 | Q2 FY2024-25 |
|---|---|---|---|
| Net Profit (PAT) | ₹11,650 Cr | ₹10,950 Cr | ₹9,895 Cr |
| Net Interest Income (NII) | ₹20,780 Cr | ₹19,950 Cr | ₹18,308 Cr |
| Operating Profit | ₹15,950 Cr | ₹14,780 Cr | ₹13,850 Cr |
| Gross NPA (%) | 2.56% | 2.65% | 2.76% |
| Net NPA (%) | 0.39% | 0.43% | 0.45% |
| Credit Growth (YoY) | 17.8% | — | — |
| Deposit Growth (YoY) | 14.2% | — | — |
Source: ICICI Bank Investor Presentation, BSE Filings
💹 ICICI Bank Q2 FY2025-26 Result Analysis
📈 Profit Growth Driven by Strong NII
ICICI Bank posted a net profit of ₹11,650 crore, marking an 18% year-on-year (YoY) rise from ₹9,895 crore in Q2 FY2024-25.
The growth was supported by a 13.5% increase in Net Interest Income (NII), which touched ₹20,780 crore due to strong loan demand and improved net interest margins (NIMs).
This consistent profitability reflects the bank’s robust lending operations and efficient cost management.
🏦 Loan & Deposit Growth Remains Strong
Loan Book: Grew 17.8% YoY, led by retail, SME, and corporate segments.
Deposits: Increased 14.2% YoY, driven by strong CASA deposits.
CASA Ratio: Stood firm at 43%, providing a healthy low-cost funding base.
ICICI Bank’s focus on retail and digital banking helped it sustain growth while maintaining asset quality.
📉 Improved Asset Quality
ICICI Bank’s asset quality improved significantly:
Gross NPA: 2.56% (down from 2.65% in Q1 FY26)
Net NPA: 0.39% (among the lowest in the sector)
Provision Coverage Ratio (PCR): 82%, reflecting conservative provisioning
These figures highlight the bank’s strong credit discipline and efficient risk management strategy.
🧭 Management Guidance for FY2025-26
ICICI Bank’s CEO Sandeep Bakhshi shared a confident outlook for the upcoming quarters, stating:
“ICICI Bank remains focused on sustainable growth through digital innovation, risk management, and customer-centric solutions. Our balance sheet remains strong, and we aim to maintain NIMs in the 4.1%–4.3% range.”
🔑 Key Focus Areas:
Expansion in retail and SME lending
Digital-first banking strategy to improve efficiency
Strengthening capital adequacy and provision buffers
Focus on asset quality improvement amid market volatility
📊 ICICI Bank Q2 FY2025-26 – Key Takeaways
✅ Net Profit: ₹11,650 crore, up 18% YoY
✅ Net Interest Income (NII): ₹20,780 crore, up 13.5% YoY
✅ Gross NPA: 2.56%, improved QoQ
✅ Loan Growth: 17.8% YoY
✅ Management Outlook: Positive, with focus on digital growth and stable margins
💼 Conclusion
ICICI Bank’s Q2 FY2025-26 results underscore strong profitability, improved asset quality, and balanced growth.
With a clear focus on digital transformation, retail expansion, and disciplined risk management, the bank is well-positioned to deliver consistent performance in the coming quarters.
For investors, ICICI Bank continues to be one of the top-performing private sector banks in India with stable margins and high return ratios.
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