ICICI Bank Q4 FY26 Results: Profit Rises 8.5% to ₹13,702 Crore, ₹12 Dividend Announced

ICICI Bank Q4 FY26 Results: Profit Rises ₹13,702 Crore

The results of ICICI Bank during the quarter ending March 31, 2026, were excellent as there was an increase of 8.5% in standalone net profit YoY to ₹13,702 crore from ₹12,630 crore recorded during the same quarter last year. Sequentially, the profit grew by a whopping 21.06%.

Net Interest Income and Operating Performance

Net Interest Income (NII): NII stood at ₹22,979 crore, representing an increase of 8.43% from ₹21,193 crore recorded a year ago. This resulted in an additional income of ₹1,786 crore.

The consistent growth in core income helped drive the earnings trend in the quarter.

Pre-Tax Profit (PBT): Pre-Tax Profit (PBT) increased by 22.31% quarter-on-quarter (QoQ) to ₹18,

Sharp Decline in Provisions Boosts Profitability

One of the highlights in the quarter was the sharp decrease in provisions. Provisions fell by 89.20% year-on-year to ₹96.16 crore compared to ₹890.70 crore. The drop in provisions on a sequential basis was even sharper at 96.24% to ₹2,554.28 crore from Q3 FY26.

The sharp fall in provisions was instrumental in driving profits.

Asset Quality Remains Strong

The quality of assets also continued to show an improvement. The gross NPA ratio stood at 1.40% against 1.67% YoY, resulting in a 27 basis point improvement on a year-over-year basis and 13 basis points improvement compared to last quarter’s 1.53%.

Meanwhile, net NPA was recorded at 0.33%, down from 0.39% last year and 0.37% last quarter.

RBI-Directed Additional Provision

An extra standard asset provision of ₹1,283 crore was made by the bank after a review by the RBI. This provision pertains to a set of loans given to the agriculture priority sector that do not completely adhere to the regulatory requirements.

It must be noted here that there has been no change in the asset classification, the borrower’s behavior, or the terms of the loan. It is simply a regulatory provision that will stay on the books till the loans become norm-compliant.

Consolidated Performance Supported by Subsidiaries

In consolidated terms, the bank reported its profit after tax at ₹14,755.06 crore, registering a growth of 9.28% on a year-over-year basis from ₹13,502.22 crore, whereas, on a sequential basis, the growth was 17.68%. In this case, the consolidated profit was higher than the standalone profit by ₹1,053 crore.

Dividend Declaration

The bank declared a dividend of ₹12 per share for FY26.