ICICI Bank Q3 FY26 results: Net profit declines 4% to Rs 11,317 crore, retail loan portfolio grows by 7.2%

ICICI Bank’s Q3 FY26 profit fell 4% YoY, while NII rose 7.7%, retail loans grew 7.2%, and net NPAs improved to 0.37%.

Updated: January 17, 2026 15:52 IST

ICICI Bank reported a 4.02 per cent YoY decline in profit in the third quarter of FY26

ICICI Bank reported a 4.02 per cent YoY decline in profit in the third quarter of FY26. The bank posted a profit of Rs 11,317 crore in Q3 FY26, compared to a profit of Rs 11,792 crore in Q3 FY25.

ICICI Bank’s Net Interest Income (NII) in the quarter grew by 7.7 per cent YoY. Its NII in Q3 FY26 stood at Rs 21,932 crore. The bank had reported NII of Rs 20,371 crore in the corresponding quarter of the last fiscal year.

ICICI Bank’s total income in the December quarter of FY26 stood at Rs 49,334 crore, growing by 2 per cent on a yearly basis, as its total income in Q3 FY25 was Rs 48,367 crore.

ICICI Bank’s Net NPA ratio was 0.37 per cent at December 31, 2025, compared to 0.42 per cent at December 31, 2024.

ICICI Bank Q3 credit-deposit growth

ICICI Bank’s total advances increased by 11.5 per cent YoY and 4.1 per cent sequentially to Rs 14,66,154 crore at the December 2025 quarter. The bank’s net domestic advances grew by 11.5 per cent YoY and 4 per cent QoQ.

ICICI Bank’s retail loan portfolio grew by 7.2 per cent year-on-year and 1.9 per cent QoQ, and comprised 51.2 per cent of the total loan portfolio in the December quarter.

Further, ICICI Bank’s total Q3 deposits increased by 9.2 per cent YoY to Rs 16,59,611 crore. The bank’s average current and savings account deposits increased by 8.9 per cent on a yearly basis.

This article was first uploaded on January seventeen, twenty twenty-six, at forty-six minutes past three in the afternoon.