One of India’s leading private lenders ICICI Bank reported a net profit of Rs 14,843 crore in the second quarter of financial year 2027, marking 20.1% year-on-year increase from Rs 12,359 crore posted in the same period last year.
The lender's net interest income (NII) increased 17.7% YoY to Rs 25,339 crore, compared with Rs 21,529 crore in Q2FY26, ICICI Bank said in a regulatory filing. Net interest margin or NIM stood at 4.18% in Q2FY27, compared with 4.36% in Q1FY27 and 4.30% in Q2FY26.
ICICI Bank’s gross non-performing asset (NPA) ratio stood at 1.20% as of September 30, 2026, compared with 1.38% in the previous quarter and 1.58% a year earlier. The net NPA ratio declined to 0.30% from 0.35% in the previous quarter and 0.39% as of September 30, 2025.
Gross NPA additions stood at Rs 4,833 crore for the quarter under review, compared with Rs 5,034 crore in the corresponding quarter of the previous financial year.
ICICI Bank’s total period-end deposits grew 27.1% year-on-year to Rs 20.49 lakh crore as of September 30, 2026. Excluding FCNR (B) deposits, total deposits increased 17% from the year-ago period.
Average deposits rose 21.2% YoY to Rs 18.88 lakh crore in Q2FY27. The bank’s total loan portfolio grew 30% YoY to Rs 18.31 lakh crore in the same quarter last year, the lender said in a regulatory filing.
Provisions stood at Rs 851 crore in Q2FY27, down from Rs 914 crore in Q2FY26. As of September 30, 2026, the bank held contingency provisions of Rs 13,100 crore and additional standard asset provisions of Rs 1,283 crore, made in Q3FY26 as directed by the RBI for its agricultural priority sector portfolio.
The bank’s total capital adequacy ratio stood at 16.68% as of September 30, 2026, while its Common Equity Tier 1 (CET-1) ratio was 16.01%, compared with minimum regulatory requirements of 11.70% and 8.20%, respectively.
During the second quarter, the bank acquired an additional 2% stake in ICICI Life Insurance Limited for Rs 1,470 crore.
On a consolidated basis, ICICI Bank’s net income rose to Rs 16,333 crore in Q2FY27 from Rs 13,357 crore in Q2FY26. Assets, the lender said, grew 22.6% year-on-year to Rs 32.93 lakh crore as of September 30, 2026, compared with Rs 26.86 lakh crore a year earlier.