Quick Overview
ICICI Bank has shared its financial results for the April to June 2025 quarter (Q1 FY26). The bank earned a profit of ₹12,768 crore, which is 15.5% more than the same time last year. This strong growth shows that the bank is doing well even in a competitive market.
ICICI Bank Q1 Results
Key Numbers from ICICI Bank Q1 FY26
| Item | Q1 FY26 | Growth |
|---|---|---|
| Net Profit | ₹12,768 crore | ↑ 15.5% |
| Net Interest Income (NII) | ₹21,635 crore | ↑ 10.6% |
| Net Interest Margin (NIM) | 4.34% | Slight drop |
| Gross NPA | 1.67% | Lower than last year |
| Net NPA | 0.41% | Improved |
| Loan Book | ₹13.64 lakh crore | ↑ 11.5% |
| Deposits | ₹16.08 lakh crore | ↑ 12.8% |
| Capital Adequacy Ratio | 16.97% | Stable |
What Helped the Bank Grow?
✅ More Loans Given
The bank gave out more loans to individuals, small businesses, and companies. The Business Banking section grew nearly 30%, which helped boost overall income.
✅ Less Bad Loans (NPAs)
The number of people not repaying loans (NPAs) is going down. This shows the bank is managing risks better.
✅ Extra Earnings from Investments
The bank earned over ₹1,200 crore from treasury investments, more than double of last year.
What’s a Concern?
Even though the bank earned more interest, the Net Interest Margin (NIM) fell a little to 4.34%. This may be because the bank is giving better interest rates to attract depositors, which increases costs.
ICICI Bank Q1 Results
What Do Experts Say?
Experts are positive about ICICI’s performance.
“ICICI Bank is growing in a steady and smart way. Low NPAs and strong profits make it a good long-term bet.” — Motilal Oswal Securities
Final Thoughts
The ICICI Bank Q1 Results show that the bank is in a strong position. It is growing its loan business, improving asset quality, and managing risks well. If you are an investor or follow banking news, ICICI Bank looks like a stable and reliable choice.
Leave a Reply