India’s Second-Largest Private Sector Bank Reports Q4FY26 Results: PAT Rises 8.5% YoY; Declares Rs 12 Dividend and Approves Fundraising Plan

DSIJ Intelligence/ 20 Apr 2026 /Categories: Mindshare, Quarterly Results, Trending

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India’s Second-Largest Private Sector Bank Reports Q4FY26 Results: PAT Rises 8.5% YoY; Declares Rs 12 Dividend and Approves Fundraising Plan

ICICI Bank NII grows 8.4 per cent YoY with stable margins; deposits and CASA see steady growth while NPAs decline

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On Friday, Bank-ltd-132174">ICICI Bank reported its Q4FY26 and FY26 financial results, along with Dividend declaration and capital raising plans.

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ICICI Bank Q4FY26 Results: QoQ and YoY Performance

On a QoQ basis, net interest income (NII) increased by 4.8 per cent to Rs 22,979 crore in Q4FY26 from Rs 21,932 crore in Q3FY26. Non-interest income declined marginally by 1.5 per cent to Rs 7,415 crore from Rs 7,525 crore in the previous quarter.

Core operating income rose by 3.2 per cent to Rs 30,394 crore, while operating expenses increased by 1.2 per cent to Rs 12,089 crore. Core operating profit stood at Rs 18,305 crore, up 4.5 per cent QoQ. Profit before Tax (PBT) increased by 22.3 per cent to Rs 18,103 crore from Rs 14,800 crore in Q3FY26. Profit after tax (PAT) rose by 21.1 per cent to Rs 13,702 crore from Rs 11,318 crore in the previous quarter.

On a YoY basis, net interest income (NII) increased by 8.4 per cent to Rs 22,979 crore in Q4FY26 from Rs 21,193 crore in Q4FY25. Non-interest income grew by 5.6 per cent to Rs 7,415 crore.

Core operating income rose by 7.7 per cent to Rs 30,394 crore, while operating expenses increased by 12.0 per cent to Rs 12,089 crore. Profit before tax (PBT) grew by 7.9 per cent to Rs 18,103 crore from Rs 16,773 crore. Profit after tax (PAT) stood at Rs 13,702 crore, registering a growth of 8.5 per cent YoY from Rs 12,630 crore.

ICICI Bank FY26 Annual Financial Performance

For the full financial year FY26, net interest income increased to Rs 88,075 crore from Rs 81,165 crore in FY25, resulting in a growth of 8.5 per cent. Profit after tax stood at Rs 50,147 crore, compared to Rs 47,227 crore in FY25, marking a growth of 6.2 per cent YoY.

Balance Sheet Growth and Key Ratios

Total advances grew by 15.8 per cent YoY to Rs 15,53,893 crore as of March 31, 2026, driven by growth across retail, business banking, and corporate segments. Total deposits increased by 11.4 per cent YoY to Rs 17,94,625 crore, while CASA deposits rose by 10.4 per cent YoY to Rs 7,43,587 crore, with CASA ratio at around 41.4 per cent.

The bank reported a stable net interest margin (NIM) of around 4.32 per cent. Capital adequacy remained strong, with CET1 ratio at 16.35 per cent.

ICICI Bank Asset Quality

Asset quality improved during the quarter, with gross NPA ratio declining to 1.40 per cent from 1.67 per cent YoY. Net NPA ratio stood at 0.33 per cent, compared to 0.39 per cent in the previous year. Provision coverage ratio improved to 75.8 per cent.

Dividend Announcement & Fundraising Plans

The Board declared a dividend of Rs 12 per equity share of face value Rs 2 each for FY26, subject to shareholder approval at the upcoming AGM.

The bank also approved fund-raising plans, including domestic debt issuance up to Rs 25,000 crore via private placement. Additionally, it can raise up to USD 1.5 billion through overseas bonds, notes, or certificates of deposit to support growth and funding requirements.