7 months ago
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ICICI Bank Ltd., the 2nd largest backstage assemblage bank, for the 2nd 4th ended September 30, 2025 (Q2-2026) reported 5.2% Year connected Year (YoY) maturation successful standalone nett net astatine ₹12,359 crore.
Net involvement income (NII) accrued by 7.4% YoY to ₹21,529 crore. Net involvement borderline (NIM) was 4.30% successful Q2-2026.
Provisions (excluding proviso for tax) were ₹914 crore successful the 4th compared to ₹1,233 crore a twelvemonth ago.
The nett home advances grew by 10.6% YoY. The retail indebtedness portfolio grew by 6.6% YoY and comprised 52.1% of the full indebtedness portfolio astatine September 30, 2025.
Including non-fund outstanding, the retail portfolio was 42.9% of the full portfolio at
September 30, 2025. The concern banking portfolio grew by 24.8% YoY.
The agrarian portfolio declined by 1.3% YoY portion the home firm portfolio grew by 3.5% YOY.
Total advances accrued by 10.3% YoY to ₹14,08,456 crore.
During the 4th the bank’s average deposits grew by 9.1% YoY to ₹15,57,449 crore.
Total period-end deposits grew by 7.7% YoY to ₹16,12,825 crore.
The gross NPA ratio was 1.58% astatine September 30, 2025 compared to 1.97% a twelvemonth ago. The nett NPA ratio was 0.39% astatine September 30, 2025 compared to 0.42% a twelvemonth ago.
The gross NPA additions during the 4th were ₹5,034 crore compared to ₹5,073 crore a twelvemonth ago.
Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹ 3,648 crore compared to ₹3,319 crore a twelvemonth ago. The nett additions to gross NPAs, excluding write-offs and sale, were ₹ 1,386 crore compared to ₹ 1,754 crore successful the aforesaid play past year.
The slope has written-off gross NPAs amounting to ₹ 2,263 crore successful the quarter.
Excluding NPAs, the full money based outstanding to each borrowers nether solution arsenic per the assorted extant regulations/guidelines declined to ₹1,624 crore oregon astir 0.1% of full advances astatine September 30, 2025 compared to ₹ 2,546 crore a twelvemonth ago.
The indebtedness and non-fund based outstanding to performing firm borrowers rated BB and beneath was ₹ 3,661 crore compared to ₹3,386 crore a twelvemonth ago.
“The summation during the 4th was owed to upgrade of definite borrowers having non-fund outstanding from non-performing to performing status,” the slope said successful a filing.
At September 30, 2025, the slope holds full provisions, different than circumstantial provisions connected fund-based outstanding to borrowers classified arsenic non-performing, amounting to ₹22,620 crore oregon 1.6% of loans. These provisions see the contingency provisions of ₹13,100 crore, it said The bank’s consolidated nett aft taxation during the 4th accrued by 3.2% YoY to ₹ 13,357 crore.
