<\/p>\n
The bank had to make a $143m for regulatory compliance related to agri loans.<\/p>\n
ICICI Bank\u2019s profit after tax saw a slight decline in the Q3 2026 period as provisions doubled.<\/p>\n
Profit after tax was a $1.3b for the period, or the quarter that ended in December 2025, according to its latest financial results released on 17 January 2026.<\/p>\n
This is almost equal to the $1.3b it earned in Q3 2025.<\/p>\n
All incomes and fees increased during the quarter. However, provisions more than doubled to $284m in Q3 2026 compared to just $137m in Q3 2025.<\/p>\n
The Reserve Bank of India (RBI) had directed ICICI Bank to make a $143m provision during the quarter in respect of a portfolio of agricultural priority sector loans. The terms of these loans were found to not be fully compliant with regulatory requirements for classification as agricultural priority sector lending.<\/p>\n
Net interest income (NII) rose by 7.7% year-on-year (YoY) to $2.4b. Net interest margin was 4.3%, higher than the 4.25% in Q3 2025.<\/p>\n
Non-interest income (NOII) increased 12.4% YoY to $837m.<\/p>\n
Fee income grew by 6.3% YoY to $731m in the same quarter. ICICI Bank reported a treasury loss of $17m, attributed to \u201cmarket movements.\u201d<\/p>\n
Operating expenses rose by 13.2% YoY to $1.3b in Q3 2026. This includes $16m of provisions on an estimated basis pursuant of new labour codes, the bank said.<\/p>\n
Average deposits grew by 8.7% to $176.5b.<\/p>\n
ICICI Bank\u2019s retail loan portfolio grew by 7.2% YoY, whilst its business banking portfolio grew by 22.8% YoY, the bank said.<\/p>\n
<\/p>","protected":false},"excerpt":{"rendered":"
The bank had to make a $143m for regulatory compliance related to agri loans. ICICI Bank\u2019s profit after tax saw a slight decline in the Q3 2026 period as provisions doubled. Profit after tax was a $1.3b for the period, or the quarter that ended in December 2025, according to its latest financial results released […]<\/p>\n","protected":false},"author":1,"featured_media":5403,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/ICICI-Bank-6-959x445.jpg",959,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/ICICI-Bank-6-463x348.jpg",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/ICICI-Bank-6-300x200.jpg",300,200,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/ICICI-Bank-6.jpg",959,639,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=5402"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5402\/revisions"}],"predecessor-version":[{"id":5404,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5402\/revisions\/5404"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/5403"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=5402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=5402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=5402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}