Quarter Ended: March 2026
ICICI Bank – Q4 FY26 Results Analysis
NSE
icicibank
BSE
532174
ICICI Bank delivered a strong Q4 FY26 performance with healthy growth in income, profit, and balance sheet size. Growth was supported by broad-based contribution across Retail Banking, Wholesale Banking, Treasury, and Insurance businesses. Asset growth, deposit traction, and sustained profitability reinforce the bank’s structural growth story.
key financial highlights
- Revenue from Operations:
- Total Income (Q4 FY26): ₹84,613.66 crore
- QoQ Performance:
- Previous Quarter: ₹76,782.08 crore
- Growth: +10.2%
- YoY Performance
- Previous Year: ₹79,747.77 crore
- Growth: +6.1%
- Profit After Tax (PAT):
- Current PAT: ₹14,755.06 crore
- QoQ Performance
- Previous Quarter: ₹12,537.98 crore
- Change: +17.7%
- YoY Performance
- Previous Year: ₹13,502.22 crore
- Change: +9.3%
Margin Analysis
- Higher operating income growth
- Stable cost structure
- Lower provisioning intensity
- Improved segment profitability
Key Signal: Margins remain stable to improving
Segment performance
Segment Revenue:
| Segment | Q4 FY26 | Q.O.Q | Y.O.Y |
|---|---|---|---|
| Retail Banking | ₹40,608.58 Cr | +0.1% | Flat |
| Wholesale Banking | ₹23,114.71 Cr | +4.3% | +7.3% |
| Treasury | ₹34,339.39 Cr | +3.3% | -1.3% |
| Life Insurance | ₹22,511.95 Cr | +45.6% | +15.7% |
| General Insurance | ₹7,343.90 Cr | -0.3% | +10.4% |
Earning quality check
Growth driven by:
- Core banking earnings
- Controlled provisions
- Diversified segment contribution
- Not dependent on exceptional items
balance sheet analysis
Deposits
- FY26: ₹18,30,020.12 crore
- FY25: ₹16,41,637.40 crore
- Growth: +11.5%
Advances
- FY26: ₹16,44,657.97 crore
- FY25: ₹14,20,663.71 crore
- Growth: +15.8%
Total Assets
- FY26: ₹29,14,497.97 crore
- FY25: ₹26,42,241.41 crore
- YoY Growth: +10.3%
key risks
- Credit cycle risk
- Funding cost pressure
- Margin compression risk
- Retail slowdown risk
Financial Metrics
| Particular | Q4 FY26 | Q.O.Q | Y.O.Y |
|---|---|---|---|
| Total Income | ₹84,613.66 Cr | +10.2% | +6.1% |
| PBT | ₹20,812.98 Cr | +16.8% | +8.7% |
| PAT | ₹14,755.06 Cr | +17.7% | +9.3% |
| EPS | ₹20.62 | +17.6% | +7.9% |
ICICI Bank continues to show strong execution and compounding characteristics
Official Exchange Filing: ICICI Bank Limited
FISCAL YEAR
2025-2026
AUDIT STATUS
REVIEWED