ICICI Bank Q4 Results: Net Profit Hits ₹13,702 Cr; Annual PAT Surpasses ₹50,000 Cr Milestone

Synopsis: ICICI Bank has delivered a historic financial performance for FY2026, with annual profits crossing the Rs. 50,000 crore mark. Supported by a 90% drop in provisions and robust 15.8% loan growth, the bank has recommended a dividend of Rs. 12 per share.

During the earnings call held on April 24, 2026, ICICI Bank Executive Director Sandeep Batra announced that the bank’s annual Profit After Tax (PAT) has surpassed the monumental Rs. 50,000 crore threshold. 

For the final quarter (Q4-2026), PAT rose 8.5% year-on-year to Rs. 13,702 crore, showcasing extreme resilience despite global macroeconomic pressures. This record-breaking annual performance was bolstered by a net interest margin that remained healthy at 4.32% and a total loan portfolio that expanded by 15.8%, driven specifically by a 24.4% surge in business banking and a 13.2% rise in mortgages.

The bank’s balance sheet strength reached new heights as the Net NPA ratio hit an all-time low of 0.33%, positioning it among the best in the Indian banking sector. A significant driver of the quarterly result was the 90% drop in total provisions, which fell to just Rs. 96 crore due to strong corporate recoveries and high portfolio quality. In light of these results, the Board has recommended a final dividend of Rs. 12 per equity share for FY2026.

Management further confirmed a “fortress-like” capital position, maintaining a Capital Adequacy Ratio of 17.18% and Rs. 13,100 crore in contingency provisions to navigate future geopolitical uncertainties.

ICICI Bank shares closed at Rs. 1,326.20, down 1.62% on April 24, 2026, tracking a broader 1.14% Nifty 50 slide. Despite hitting an intraday high of Rs. 1,348.80, the stock saw a mild “sell-on-news” correction following its record profit announcement. 

Investor confidence remained exceptionally strong, reflected in a high 80.01% delivery rate on a traded volume of 140.56 lakh shares. With a market cap of Rs. 9.50 lakh crore, the bank maintains its status as a premier performer, delivering a 132% gain over the last five years.

Company Overview

ICICI Bank is India’s leading private sector lender, providing a full range of retail, corporate, and investment banking services. With over 6,000 branches and a presence in 17 countries, the bank is a pioneer in digital banking through its iMobile Pay and InstaBIZ platforms. It focuses on a “360-degree” customer approach, maintaining high asset quality and a “fortress-like” balance sheet.

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