ICICI Bank's Q2 FY 2025-26 Quarterly Results

Result Summary

• ICICI Bank Ltd reported a 2.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 4.4%.
• Its expenses for the quarter were up by 5.5% QoQ and 5.9% YoY.
• The net profit decreased 1.0% QoQ and increased 3.0% YoY.
• The earnings per share (EPS) of ICICI Bank Ltd stood at 18.42 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

ICICI Bank Ltd is a leading private sector bank in India, providing a wide range of banking and financial services. The bank is engaged in offering products across retail banking, corporate banking, and treasury operations. ICICI Bank has a significant presence in India and abroad, including subsidiaries in the UK and Canada, branches in the United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar, and Dubai International Finance Centre, and representative offices in the United Arab Emirates, China, South Africa, Bangladesh, Malaysia, and Indonesia. The bank focuses on leveraging technology to deliver enhanced customer experiences and drive operational efficiencies.

Revenue

In the second quarter of the fiscal year 2026 (Q2FY26), ICICI Bank Ltd reported a total income of ₹76,146.59 crores, marking a quarter-over-quarter (QoQ) increase of 2.1% from ₹74,576.03 crores in Q1FY26 and a year-over-year (YoY) increase of 4.4% from ₹72,942.55 crores in Q2FY25. This growth in total income reflects the bank's ability to enhance its revenue streams through its diverse banking services. The continuous growth in income on both a quarterly and annual basis underscores the bank's stable operational performance amidst varying market conditions.

Profitability

For Q2FY26, ICICI Bank Ltd recorded a profit before tax (PBT) of ₹19,064.58 crores, which represents a 2.2% decline from the previous quarter (Q1FY26) where the PBT was ₹19,494.48 crores. However, when compared to the same period last year (Q2FY25), PBT showed an increase of 3.1% from ₹18,496.46 crores. The profit after tax (PAT) for Q2FY26 stood at ₹14,318.15 crores, slightly down by 1.0% from ₹14,456.33 crores in Q1FY26 but up by 3.0% from ₹13,905.99 crores in Q2FY25. Earnings per share (EPS) also saw a slight decrease of 1.5% QoQ to ₹18.42 from ₹18.71 in the previous quarter, but rose by 2.0% YoY from ₹18.05 in Q2FY25. This data indicates a moderate level of profitability growth over the year, despite a slight dip in sequential comparison.

Operating Metrics

The total expenses for ICICI Bank Ltd in Q2FY26 were reported at ₹56,172.70 crores, which represents a 5.5% increase from ₹53,259.22 crores in Q1FY26 and a 5.9% increase from ₹53,064.21 crores in Q2FY25. The provisions and contingencies for Q2FY26 saw a significant decrease of 50.1% QoQ to ₹909.31 crores from ₹1,822.33 crores in Q1FY26, and a decrease of 34.2% YoY from ₹1,381.88 crores in Q2FY25. The tax expense for the quarter was ₹4,808.18 crores, which decreased by 5.7% QoQ from ₹5,100.68 crores in Q1FY26 but increased by 3.7% YoY from ₹4,635.66 crores in Q2FY25. These figures indicate a reduction in provisions and tax expenses over the quarter, contributing to the overall financial health of the company.