Last Updated:January 17, 2026, 16:22 IST

ICICI Bank’s interest income stands at Rs 41,966 crore in Q3 FY26, reflecting a 1.6% year-on-year increase from Rs 41,300 crore in the same quarter last year.

ICICI Bank Q3 Results.

Private sector lender ICICI Bank on Saturday reported a 4.02 per cent fall in its standalone net profit to Rs 11,317.86 crore for the third quarter ended December 31, 2025. Its net profit had stood at Rs 11,792.42 crore in the corresponding period last year, according to a regulatory filing.

The lender reported interest income of Rs 41,966 crore in Q3 FY26, reflecting a 1.6% year-on-year increase from Rs 41,300 crore in the same quarter last year. Interest expenses declined 4.3% to Rs 20,034 crore during the quarter, compared with Rs 20,929 crore in the year-ago period.

Operating expenses increased 13.2% year-on-year to Rs 11,944 crore from Rs 10,552 crore. The bank said this figure includes Rs 145 crore of estimated provisions made in line with the new Labour Codes. The quarter was also impacted by treasury performance, with the bank posting a treasury loss of Rs 157 crore, compared with a gain of Rs 371 crore in Q3 FY25.

Core operating profit rose 6.0% year-on-year to Rs 17,513 crore in Q3 FY26, driven by steady growth in net interest income and fee-based income. Net interest income increased 7.7% year-on-year to Rs 21,932 crore, supported by loan expansion and stable margins.

Asset quality showed marginal improvement during the quarter. The gross NPA ratio declined to 1.53% as of December 31, 2025, from 1.58% at September 30, 2025 and 1.96% a year earlier. The net NPA ratio eased to 0.37% at end-December 2025, compared with 0.39% in the preceding quarter and 0.42% at December 31, 2024.

Provisions, excluding tax-related provisions, rose to Rs 2,556 crore in Q3 FY26 from Rs 1,227 crore in Q3 FY25. The bank said this included an additional standard asset provision of Rs 1,283 crore, made following the Reserve Bank of India’s annual supervisory review, relating to a portfolio of agricultural priority sector loans that were found to be not fully compliant with regulatory norms.

The domestic loan book expanded 11.5% year-on-year to Rs 14,30,895 crore as of December 31, 2025. Including profits for the nine months ended December 31, 2025, the bank said its total capital adequacy ratio stood at 17.34%, while the CET-1 ratio was 16.46% on a standalone basis at end-December 2025.

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