Investment News · 19 October 2026 · 2 min read
In short: ICICI Bank reported a standalone net profit of ₹14,843 crore for July to September 2026, up 20.1% from ₹12,359 crore a year ago. Net interest income rose 17.7% to ₹25,339 crore. Including subsidiaries, profit was ₹16,333 crore.
Key numbers
| Jul–Sep 2026 | A year earlier | |
|---|---|---|
| Net profit (standalone) | ₹14,843 crore | ₹12,359 crore |
| Net interest income | ₹25,339 crore | ₹21,529 crore |
| Net interest margin | 4.18% | 4.30% |
| Fee income | ₹7,795 crore | up 20.1% |
| Gross NPA | 1.20% | 1.58% |
| Net NPA | 0.30% | 0.39% |
What stood out
- Fast growth: loans grew 30% and deposits 27%. Excluding foreign currency (FCNR) deposits and the loans made against them, growth was 24% and 17%.
- Lower margin: the interest margin slipped to 4.18% from 4.36% in the previous quarter, as deposits became costlier.
- Cleaner books: gross NPAs fell to 1.20% from 1.38% in June and 1.58% a year ago, and net NPAs were just 0.30%.
- Strong capital: the capital adequacy ratio was 16.68%, well above requirements.
ICICI Bank grew profit much faster than HDFC Bank (4.7%) this quarter. Axis Bank grew faster still, at 38%, though from a lower base.
Sources
- Equitybulls: ICICI Bank Q2 FY27 results (17 October 2026)
- Business Standard: ICICI Bank Q2 FY27 result
This is a news summary for education, not investment advice. Figures are as reported by the banks and media on 17 October 2026; check the banks’ official filings before making decisions.