$IBN · ICICI BANK LTD
ICICI Bank filed unaudited standalone and consolidated financial results for Q2 and H1 FY2027 (ended September 30, 2026). Standalone net profit rose 20.1% YoY to ₹14,843.03 crore, with H1 profit at ₹29,647.53 crore (+18.0% YoY). Gross NPA ratio improved to 1.20% from 1.58% a year ago. Total deposits grew 27.1% YoY to ₹20.5 lakh crore. The Board also approved filing an application with RBI to extend Non-executive Part-time Chairperson Pradeep Kumar Sinha's term from July 1, 2027 to February 16, 2029.
- Standalone net profit for Q2-FY2027 rose 20.1% YoY to ₹14,843.03 crore from ₹12,358.89 crore in Q2-FY2026.
- H1-FY2027 standalone net profit reached ₹29,647.53 crore, up 18.0% from ₹25,127.10 crore in H1-FY2026.
- Gross NPA ratio improved to 1.20% at September 30, 2026, versus 1.58% a year earlier and 1.40% at March 31, 2026.
- Total deposits surged to ₹2,049,874.18 crore, up 27.1% YoY from ₹1,612,824.94 crore at September 30, 2025.
- Capital adequacy ratio (Basel III) stood at 16.68%, down from 17.18% at FY2026 but above the 15.76% a year ago.
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India's second-largest private bank delivers 20% profit growth with asset quality at multi-period bests, signaling a strong credit cycle.
ICICI Bank's 20% profit growth and NPA improvement to 1.20% reinforce the strong credit cycle underway for large Indian private banks, outpacing public-sector peers on asset quality.
Deposit growth of 27.1% YoY far outpaces advances growth, which could pressure net interest margins if loan demand doesn't keep pace. Borrowings jumped to ₹204,552.66 crore from ₹111,818.38 crore YoY, raising leverage.
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