ICICI Bank Q4 Results: At Rs 13,702 crore, profit beats Street estimates; interest income meets mark—600% dividend declared

ICICI Bank Q4 FY26 Earnings: Mumbai-headquartered private sector lender ICICI Bank on Saturday reported better-than-expected financial results for the final three months of FY26, on the back of growing interest income and improving asset quality. Its net profit increased 8.5 per cent on a year-on-year basis, beating Street estimates.

The lender announced a dividend of 600 per cent its face value.

Read on to learn about the bank's latest quarterly earnings in detail:

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ICICI Bank Q4 Results: Net profit and interest income vs expectations

ICICI Bank registered a net profit of Rs 13,702 crore for the January-March period, marking an 8.5 per cent increase over the corresponding period a year ago.

Its net interest income -- or the difference between interest earned and interest paid -- grew to Rs 22,979 crore for the quarter ended March, versus Rs 21,193 crore a year ago. The NII went up 8.4 per cent over the year-ago period.

The March-quarter net profit as well as interest income exceeded analysts' expectations.

According to Zee Business research, ICICI Bank was estimated to log a net profit of Rs 13,230 crore with Rs 22,810 crore in net interest income for the fourth quarter of FY26.

ICICI Bank asset quality

The bank staged an improvement in its asset quality, beating Street expectations. Typically, a bank's asset quality is measured by sequential changes in the proportion of bad loans in its total loans.

ICICI Bank's gross non-performing assets (NPAs) -- or bad loans -- stood at 1.40 per cent for the March quarter, versus 1.53 per cent for the previous three months.

Its net NPAs were recorded at 0.33 per cent per cent of total loans, decreasing from 0.37 per cent three months ago.

According to Zee Business research, ICICI Bank's fourth-quarter gross and net NPAs were pegged at 1.5 per cent and 0.4 per cent of its total loans, respectively -- unchanged from the previous three months.

ICICI Bank provisions

The private lender reported Rs 96 crore in provisions for the quarter ended March 31, 2026, as against Rs 2,556 crore for the quarter ended December 31, 2025, and Rs 891 crore for the quarter ended March 31, 2025.

Provisions are the amount of money set aside to cover anticipated future losses or liabilities.

Adjusting this value in profits strengthens a bank's balance sheet though it dents its current profitability.

ICICI Bank capital adequacy ratio

The bank's capital adequacy ratio -- a key metric that compares a lender's capital to its risk-weighted assets -- stood at 17.18 per cent as of March 31.

It determines a bank's ability to absorb potential losses and protect its depositors.

Its provision coverage ratio -- or the proportion of funds set aside to cover potential losses from bad loans -- came in at 75.8 per cent. Generally, a higher provisiona coverage ratio signifies strong asset quality, and vice versa.

ICICI Bank dividend

The bank announced a dividend of Rs 12 per equity share -- a 600 per cent payout given the face value of Rs 2 per equity share.

ICICI Bank shares vs Nifty50 vs Nifty Bank

On Friday, the ICICI Bank stock gained by Rs 7.3 -- or 0.5 per cent -- to close at Rs 1,352.8 apiece on NSE.

At this level, ICICI Bank shares are up about 1.1 per cent for the year so far, outperforming losses of 6.9 per cent and 5.3 per cent in the Nifty50 and Nifty Bank indices, respectively.