ICICI Bank Ltd., the second largest private sector bank, for the second quarter ended September 30, 2025 (Q2-2026) reported 5.2% Year on Year (YoY) growth in standalone net profit at ₹12,359 crore.
Net interest income (NII) increased by 7.4% YoY to ₹21,529 crore. Net interest margin (NIM) was 4.30% in Q2-2026.
Provisions (excluding provision for tax) were ₹914 crore in the quarter compared to ₹1,233 crore a year ago.
The net domestic advances grew by 10.6% YoY. The retail loan portfolio grew by 6.6% YoY and comprised 52.1% of the total loan portfolio at September 30, 2025.
Including non-fund outstanding, the retail portfolio was 42.9% of the total portfolio at
September 30, 2025. The business banking portfolio grew by 24.8% YoY.
The rural portfolio declined by 1.3% YoY while the domestic corporate portfolio grew by 3.5% YOY.
Total advances increased by 10.3% YoY to ₹14,08,456 crore.
During the quarter 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% at September 30, 2025 compared to 1.97% a year ago. The net NPA ratio was 0.39% at September 30, 2025 compared to 0.42% a year ago.
The gross NPA additions during the quarter were ₹5,034 crore compared to ₹5,073 crore a year ago.
Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹ 3,648 crore compared to ₹3,319 crore a year ago. The net additions to gross NPAs, excluding write-offs and sale, were ₹ 1,386 crore compared to ₹ 1,754 crore in the same period last year.
The bank has written-off gross NPAs amounting to ₹ 2,263 crore in the quarter.
Excluding NPAs, the total fund based outstanding to all borrowers under resolution as per the various extant regulations/guidelines declined to ₹1,624 crore or about 0.1% of total advances at September 30, 2025 compared to ₹ 2,546 crore a year ago.
The loan and non-fund based outstanding to performing corporate borrowers rated BB and below was ₹ 3,661 crore compared to ₹3,386 crore a year ago.
“The increase during the quarter was due to upgrade of certain borrowers having non-fund outstanding from non-performing to performing status,” the bank said in a filing.
At September 30, 2025, the bank holds total provisions, other than specific provisions on fund-based outstanding to borrowers classified as non-performing, amounting to ₹22,620 crore or 1.6% of loans. These provisions include the contingency provisions of ₹13,100 crore, it said The bank’s consolidated profit after tax during the quarter increased by 3.2% YoY to ₹ 13,357 crore.
Published – October 18, 2025 07:27 pm IST
