ICICI Bank Limited Q2 FY26 earnings call summary

Earnings call of 18 Oct 2025, summarised by AI from the filing.

ICICI Bank Q2 FY26 PAT up 5.2% to ₹12,359 cr; NIM range-bound, loan growth to improve in H2.

Key takeaways

1. Guidance NIM expected to remain range-bound; loan growth to improve in second half.
2. Change Provisions fell to ₹914 cr from ₹1,800 cr in Q1 FY26 due to KCC seasonality.
3. Driver Business banking portfolio grew 24.8% year-on-year, driven by formalisation and digital platforms.
4. Risk Competitive pressures and monetary policy impact NIM trajectory.

Original filing on BSE

ICICI Bank Limited Q1 FY27 results

As filed: Revenue ₹52,241 cr, EBITDA −₹6,141 cr, PAT ₹16,210 cr, EBITDA margin -11.8%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹43,275 cr, EBITDA ₹10,794 cr, PAT ₹13,702 cr, EBITDA margin 24.9%. Not scored. Bank result format: not scored yet. Share price after the results: −8.5% in 30 days (Nifty 500: +0.9%).
• Q3 FY26: Revenue ₹48,364 cr, EBITDA −₹10,664 cr, PAT ₹13,411 cr, EBITDA margin -22.1%. Not scored. Bank result format: not scored yet. Share price after the results: +1.1% in 30 days (Nifty 500: +0.7%).
• Q2 FY26: Revenue ₹48,181 cr, EBITDA −₹8,901 cr, PAT ₹14,256 cr, EBITDA margin -18.5%. Not scored. Bank result format: not scored yet. Share price after the results: +0.5% in 30 days (Nifty 500: +2.2%).
• Q1 FY26: Revenue ₹49,080 cr, EBITDA −₹6,002 cr, PAT ₹14,394 cr, EBITDA margin -12.2%. Not scored. Bank result format: not scored yet. Share price after the results: −0.2% in 30 days (Nifty 500: −2.6%).
• Q3 FY25: Revenue ₹47,037 cr, EBITDA −₹9,106 cr, PAT ₹13,829 cr, EBITDA margin -19.4%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹46,326 cr, EBITDA −₹8,121 cr, PAT ₹13,861 cr, EBITDA margin -17.5%. Not scored. Bank result format: not scored yet.
• Q1 FY25: Revenue ₹44,582 cr, EBITDA −₹5,927 cr, PAT ₹12,406 cr, EBITDA margin -13.3%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

ICICI Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (18 Jul 2026), Results deck (18 Jul 2026)
• Q4 FY26: Earnings call (18 Apr 2026), Results deck (18 Apr 2026)
• Q3 FY26: Earnings call (17 Jan 2026), Results deck (17 Jan 2026)
• Q2 FY26: Earnings call (18 Oct 2025), Results deck (18 Oct 2025)
• Q1 FY26: Earnings call (19 Jul 2025), Results deck (19 Jul 2025)
• Q4 FY25: Earnings call (19 Apr 2025), Results deck (19 Apr 2025)
• Other events: Strategy deck (22 Jul 2026)