NYSE$IBN
ICICI Bank Ltd-ADR · Q3 2026 earnings
Q3 2026 earnings · · Before market open · Investor relations
Briefing
ICICI Bank reported solid results in Q3 2026 with stable profitability and strong growth in core operations.
ICICI Bank posted a net income of $1.3 billion and revenue of $3.24 billion for Q3 2026, supported by growth in net interest and fee income, despite a rise in provisions.
- Net income for Q3 2026 was $1.3 billion, slightly lower than the previous year.
- Revenue reached approximately $3.24 billion, driven by higher net interest income.
- Provisions surged to $284 million due to regulatory requirements on agricultural sector loans.
- Net NPA ratio improved to 0.37%, reflecting asset quality strength.
Headline financials
Revenue & EPS history
ICICI Bank · Revenue · Quarterly
$3.25B
Forward guidance
ICICI Bank remains optimistic about continued loan growth and stable margins, though it remains cautious on regulatory provisioning and rural portfolio compliance.
Tailwinds
- Strong growth in domestic loan book (11.5% YoY).
- Retail and business banking portfolio showed resilience.
- CASA ratio maintained at 39%.
- Capital adequacy ratio at 17.34%, well above regulatory requirement.
- Improved asset quality metrics.
Headwinds
- Higher provisions due to regulatory scrutiny of agri-loans.
- Treasury losses of $17 million impacting bottom line.
- Moderation in profit growth versus prior year.
- Rising operating expenses driven by labor code provisions.
- Muted performance in rural portfolio growth.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2026
+1.4%
Avg return
Earnings day
+0.7%
Avg return
5 days after
+1.8%
Avg return
30 days after
67%
24 / 36 earnings
Positive
+12.6%
Q3 2021
Best reaction
-8.4%
Q1 2016
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q3 2026 | -4.4% | -2.6% | -10.3% | |
| Q1 2026 | +0.6% | +5.7% | -0.6% | |
| Q3 2025 | +1.4% | +3.1% | +1.0% | |
| Q2 2025 | +5.7% | -2.2% | -8.4% | |
| Q2 2024 | +1.2% | -0.7% | -0.0% | |
| Q1 2024 | +0.0% | +1.3% | -3.5% | |
| Q4 2023 | +1.6% | +2.6% | +4.2% | |
| Q3 2023 | +1.2% | -3.1% | -3.3% | |
| Q2 2023 | +3.7% | +0.6% | -0.8% | |
| Q1 2023 | +0.0% | -7.8% | -2.4% | |
| Q4 2022 | +3.0% | +3.4% | -2.2% | |
| Q3 2022 | +0.3% | -0.7% | -5.3% | |
| Q2 2022 | +9.0% | +2.4% | +8.0% | |
| Q1 2022 | +0.4% | +2.9% | +1.8% | |
| Q4 2021 | +5.7% | +11.2% | +17.9% | |
| Q3 2021 | +12.6% | +14.9% | +12.1% | |
| Q2 2021 | -4.7% | -4.8% | +17.3% | |
| Q1 2021 | -4.2% | -9.0% | +1.0% | |
| Q4 2020 | +5.8% | +11.9% | -11.0% | |
| Q3 2020 | -2.1% | -1.3% | +2.0% | |
| Q2 2020 | +4.2% | +6.7% | +13.3% | |
| Q1 2020 | +6.1% | +0.5% | -4.8% | |
| Q4 2019 | -4.8% | -3.7% | +4.9% | |
| Q3 2019 | +5.3% | +2.1% | +2.4% | |
| Q2 2019 | +6.3% | +8.3% | +12.2% | |
| Q1 2019 | +5.5% | -0.7% | +16.1% | |
| Q4 2018 | +6.3% | -0.5% | +12.2% | |
| Q3 2018 | -0.8% | -7.4% | -13.2% | |
| Q1 2018 | -4.6% | -2.0% | +13.4% | |
| Q4 2017 | +8.8% | +1.3% | +3.0% | |
| Q3 2017 | +2.8% | +3.3% | +0.6% | |
| Q2 2017 | -0.5% | -4.4% | -8.5% | |
| Q1 2016 | -8.4% | -8.9% | -8.2% | |
| Q4 2016 | -7.6% | — | — | |
| Q3 2016 | -5.2% | — | — | |
| Q2 2015 | +1.0% | — | — |
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