ICICI Bank Q3 Earnings Call Highlights MarketBeat Sat, January 17, 2026 at 8:09 PM GMT+5:30 9 min read IBN ICICI Bank logo Key Points ICICI reported core operating profit up 6% YoY to INR 175.13 billion, but results were weighed by an RBI-mandated additional standard-asset provision of INR 12.83 billion; on an adjusted basis (ex-provision) PBT ex-treasury would have risen ~6.2% YoY to INR 162.40 billion and PAT to INR 122.80 billion. Deposit and loan growth remained solid with average deposits +8.7% YoY (total deposits +9.2%), CASA +8.9% YoY, and domestic loans +11.5% YoY (retail +7.2%, business banking +22.8%), while liquidity stayed healthy with an average LCR of ~126%. Credit quality held up—net NPA 0.37% and provisioning coverage 75.4%—backed by INR 131 billion of contingency provisions, and capital ratios remained strong with CET1 16.46% and total CAR 17.34%.
