ICICI Bank, India’s second-largest personal sector financial institution, for the primary quarter ended June 30, reported a 15.5% development in net profit to ₹12,768 crore in contrast with ₹11,059 crore a 12 months earlier.
Net curiosity earnings (NI) elevated by 10.6% Year on Year (YoY) to ₹ 21,635 crore from ₹19,553 crore a 12 months earlier.
Net curiosity margin was 4.34% in contrast with 4.36% within the 12 months in the past interval.
Treasury positive aspects have been ₹1,241 crore as in contrast with ₹613 crore a 12 months in the past primarily reflecting realised and mark-to-market positive aspects in fastened earnings securities and equities.
Provisions (excluding provision for tax) have been ₹1,815 crore and included the impression of launch of Alternative Investment Fund (AlF)-related provisions of ₹389 crore.
The net home advances grew by 12% YoY. The retail mortgage portfolio grew by 6.9% YoY and comprised 52.2% of the overall mortgage portfolio at June 30, 2025.
Including non-fund excellent, the retail portfolio was 43.2% of the overall portfolio at June 30, 2025. The enterprise banking portfolio grew by 29.7% YoY, the financial institution stated.
Total period-end deposits elevated by 12.8% YoY to ₹16,08,517 crore.
The gross NPA additions have been ₹6,245 crore in Q1-2026 in contrast with ₹5,916 crore within the 12 months in the past interval.
Recoveries and upgrades of NPAs, excluding write-offs and sale, have been ₹3,211 crore as in contrast with ₹3,292 crore a 12 months in the past.
The net additions to gross NPAs, excluding write-offs and sale, have been ₹3,034 crore in contrast to ₹2,624 crore a 12 months in the past.
The financial institution has written-off gross NPAs amounting to ₹2,359 crore within the quarter.
The provisioning protection ratio on non-performing loans was 75.3% at June 30.
Excluding NPAs, the overall fund based mostly excellent to all debtors below decision as per the varied extant laws/pointers declined to ₹1,788 crore or about 0.1% of whole advances at June 30, 2025 in contrast to ₹1,956 crore at March 31, 2025 and ₹2,735 crore at June 30, 2024.
At June 30, 2025, the financial institution holds whole provisions, apart from particular provisions on fund-based excellent to debtors categorised as non-performing, amounting to ₹22,664 crore.
These provisions embody the contingency provisions of ₹13,100 crore in addition to normal provision on commonplace belongings, provisions held for non-fund based mostly excellent to debtors categorised as non-performing, mortgage and non-fund based mostly excellent to commonplace debtors below decision and the BB and under portfolio.
Including income for Q1-2026, the financial institution’s whole capital adequacy ratio at June 30, 2025 was 16.97%. The consolidated profit after tax of the financial institution elevated by 15.9% YoY to ₹13,558 crore. Consolidated belongings grew by 10.9% YoY to ₹26,68,636 crore.
