ICICI Bank Q3 FY26 results (Oct–Dec 2025) and concall

Financial Services · Concall AI · Call held 17 Jan 2026

Company page: ICICI Bank share price, financials & guidance record

ICICI Bank delivered a resilient performance in Q3 FY26, marked by healthy domestic loan and deposit growth, stable Net Interest Margins, and improved asset quality. The reported profit was impacted by a one-time RBI-directed standard asset provision of ₹1,283 crore for an agricultural priority sector portfolio. The bank maintains strong capital adequacy and continues its focus on risk-calibrated profitable growth and customer-centric digital initiatives.

You’re reading a preview. Opening the full call uses 1 concall credit.

What they filed

Q3 FY26: revenue up 2.8%, net profit down 2.6% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26
Revenue	47,037	48,387	49,080	48,181	48,364 +3%
Expenses	33,510	37,588	31,991	35,065	37,154
Other income	27,589	31,361	25,496	27,966	28,418
Interest	22,633	23,047	23,090	22,017	21,874
Depreciation	0	0	0	0	0
Profit before tax	18,483	19,113	19,494	19,065	17,754 −4%
Tax rate	25%	25%	26%	25%	24%
Net profit	13,847	14,354	14,456	14,318	13,481 −3%
EPS	18.25	18.96	19.00	18.70	17.53

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

More Financial Services earnings calls