ICICI Bank Q4 FY2026: Strong growth, steady margins, lower credit cost

Standalone profit after tax was ₹13,702 crore (₹137.02 bn) and profit before tax excluding treasury was ₹18,209 crore (₹182.09 bn) in Q4 FY2026.

Standalone net interest income was ₹22,979 crore (₹229.79 bn), up 8.4% year on year, and net interest margin was 4.32% in Q4 FY2026.

Total advances grew 15.8% year on year to ₹15,53,893 crore, and total deposits grew 11.4% year on year to ₹17,94,625 crore at March 31, 2026.

Gross NPA ratio was 1.40% and net NPA ratio was 0.33% at March 31, 2026. Provision coverage ratio was 75.8%.

Management stated provisions were low due to improved portfolio quality and corporate recoveries and write-backs, including recoveries from written-off accounts; they also said contingency provisions were not utilised.

The board recommended a dividend of ₹12 per equity share for FY2026, subject to requisite approvals.