| Revenue growth | NII up 17.7% YoY; total deposits grew 27.1% YoY. |
|---|---|
| Margins | NIM moderated to 4.18%; bottoming out expected by Q3 FY27. |
| Demand visibility | Strong credit demand across retail, MSME, and corporate sectors. |
| Management confidence | Balanced and transparent; focused on risk-calibrated profitable growth. |
Growth
Domestic loan growth of 22.8% YoY is balanced across retail, business banking, and corporate segments.
Outlook
Credit cost normalized at 50 bps; margins expected to recover from Q4 FY27 onwards.
Risks
NIM moderation to 4.18% due to rising cost of deposits and FCNR(B) leveraging impact.
Last quarter's promises, checked
Delivered
- Range-bound NIM target → delivered 4.36% (= BEAT)
- Contingency provisions ₹131bn maintained → delivered ₹131bn (= BEAT)
- Operating expense growth deceleration → delivered 10.4% YoY (= BEAT)
Partly delivered
- Loan growth sustainability focus → delivered 19.6% YoY vs previous high-teen trends (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: ICICIBANK. Summary written with AI assistance from the document.
ICICI Bank Ltd: key numbers
- Share price
- ₹1,377.60
- Market cap
- ₹9,89,105 Cr
- Revenue (annual)
- ₹1,95,218 Cr
- Net profit (annual)
- ₹54,208 Cr
- P/E (TTM)
- 16.8×Sector 19.7×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 34.68%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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ICICI Bank Q2 FY27 Results: Net Profit ₹16,333 Cr, Up 22.3% YoY
ICICI Bank Ltd reported revenue from operations of ₹55,992 Cr (+16.2% YoY) and net profit of ₹16,333 Cr (+22.3% YoY) for Q2 FY27.
- Key figure
- Net profit ₹16,333 Cr · +22.3% YoY