Slides
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Q2-2026: Performance review October 18, 2025
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2 Certain definitions in this release relating to a future period of time (including inter alia concerning our future business plans or growth prospects) are forward-looking statements intended to qualify for the 'safe harbor' under applicable securities laws including the US Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. These risks and uncertainties include, but are not limited to statutory and regulatory changes, international economic and business conditions; political or economic instability in the jurisdictions where we have operations or which affect global or Indian economic conditions, increase in non-performing loans, unanticipated changes in interest rates, foreign exchange rates, equity prices or other rates or prices, our growth and expansion in business, the adequacy of our allowance for credit losses, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks, changes in India’s sovereign rating, as well as other risks detailed in the reports filed by us with the United States Securities and Exchange Commission. Any forward-looking statements contained herein are based on assumptions that we believe to be reasonable as of the date of this release. ICICI Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. Additional risks that could affect our future operating results are more fully described in our filings with the United States Securities and Exchange Commission. These filings are available at www.sec.gov.
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Highlights for Q2-2026 3
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4 Key highlights for Q2-2026 (1/2) • Profit before tax excluding treasury grew by 9.1% y-o-y to ₹ 161.64 bn in Q2-2026 • Core operating profit grew by 6.5% y-o-y to ₹ 170.78 bn in Q2-2026 • Profit after tax grew by 5.2% y-o-y to ₹ 123.59 bn in Q2-2026 • Average deposits grew by 9.1% y-o-y and 1.6% q-o-q in Q2-2026 • Average savings account deposits increased by 8.5% y-o-y and 3.2% q-o-q • Average current account deposits increased by 12.6% y-o-y and 1.6% q-o-q • Period end total deposits grew by 7.7% y-o-y and 0.3% q-o-q at Sep 30, 2025 • Domestic loans grew by 10.6% y-o-y and 3.3% q-o-q • Retail loans grew by 6.6% y-o-y and 2.6% q-o-q • Business banking1 portfolio grew by 24.8% y-o-y and 6.5% q-o-q • Domestic corporate portfolio grew by 3.5% y-o-y and 1.0% q-o-q Earnings Deposits Advances 1. This portfolio comprises borrowers with turnover of upto ₹ 7.50 bn