ICICI Bank Q2-2027: profit after tax up 20.1% to ₹148.43 bn, total loans up 30.0% y-o-y
Q2-2027 PAT up 20.1% y-o-y to ₹148.43 bn; loans up 30.0%, deposits up 27.1%; net NPA 0.30%.
By ScoutQuest · · 1 min read
- Profit After Tax (Q2-2027)
- ₹148.43 bn, up 20.1% y-o-y
- Total Advances
- ₹18,315.80 bn, up 30.0% y-o-y
- Net NPA Ratio
- 0.30% versus 0.35% in June
- Period
- Q2-2027 (quarter ended September 30, 2026)
- Positioning
- ICICI Bank presents itself as a large Indian bank with ₹18,315.80 bn of advances, ₹20,498.74 bn of deposits, 7,656 branches and market-leading subsidiaries in asset management and broking.
📈 Profit before tax excluding treasury grew 23.4% y-o-y to ₹199.54 bn in Q2-2027, core operating profit rose 21.8% to ₹208.05 bn and profit after tax rose 20.1% to ₹148.43 bn.
🌍 Total advances grew 30.0% y-o-y to ₹18,315.80 bn and deposits 27.1% to ₹20,498.74 bn, boosted by FCNR (B) flows; excluding these, loans grew 24.1% and deposits 17.0%. Business banking (33.8%) and domestic corporate (30.6%) outpaced retail and rural (14.8%). CASA share was 36.1%.
📈 Asset quality held firm: net NPA ratio 0.30% versus 0.35% in June, provision coverage 75.0%, and contingency provisions of ₹131.00 bn. CET1 was 16.01% including profits.
🎯 Management states it will continue to invest in and leverage AI across enterprise-wide platforms, internal capabilities and responsible governance; the ESG slide says the bank remains focused on managing Scope 1 and 2 emissions under its carbon neutrality roadmap.
Also from ICICI Bank
[ICRA]AAA (Stable) and [ICRA]A1+ reaffirmed on Rs 1,11,794.00 crore of ICICI Bank facilities; Rs 945 crore Tier II bonds withdrawn
24 Oct 2026
Transcripts of media and analyst calls on Q2 FY2027 results
23 Oct 2026
Analysis of ICICI Bank and ICICI Prudential's margin trends, with NII growth staying strong and insurance commission cuts likely to impact persistency ratio
19 Oct 2026
More numbers
- Profit after tax, Q2-2027₹ 148.43 bn
- PAT growth y-o-y, Q2-202720.1%
- Core operating profit, Q2-2027₹ 208.05 bn
- PBT excluding treasury, Q2-2027₹ 199.54 bn
- Net NPA ratio, Sep 30, 20260.30%
- Provision coverage ratio, Sep 30, 202675.0%
- CET1 ratio, Sep 30, 202616.01%
- Total deposits, Sep 30, 202620,498.74 (₹ billion)
- Total advances, Sep 30, 202618,315.80 (₹ billion)
- Total advances growth y-o-y30.0%
- CASA share, Sep 30, 202636.1%
- Total branches, Sep 30, 20267,656
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