{"id":5903,"date":"2026-04-23T18:11:12","date_gmt":"2026-04-23T15:11:12","guid":{"rendered":"https:\/\/relinvestmentsgroup.com\/?p=5903"},"modified":"2026-04-24T23:35:15","modified_gmt":"2026-04-24T20:35:15","slug":"snizhenie-kreditnyh-izderzhek-povysilo-pribyl-icici-bank-do-1-46-mlrd-dollarov-v-4-kvartale","status":"publish","type":"post","link":"https:\/\/relinvestmentsgroup.com\/en\/snizhenie-kreditnyh-izderzhek-povysilo-pribyl-icici-bank-do-1-46-mlrd-dollarov-v-4-kvartale\/","title":{"rendered":"Lower credit costs lift ICICI Bank profits to $1.46b in Q4"},"content":{"rendered":"<p><\/p>\n<p class=\"p1\">Net interest income grew 8%.<\/p>\n<p class=\"p1\">ICICI Bank beat estimates, reporting a profit after tax of $1.46b (IND137b) for Q4 FY2026, lifted by lower credit costs, said InCred Equities.<\/p>\n<p class=\"p1\">Core performance was broadly in line, with a healthy net interest income (NII) and strong average balance sheet growth, said Bhavik Shah and Rishabh Jogani, analysts for InCred Equities.<\/p>\n<p class=\"p1\">\u201cICICI Bank continues to consistently post superior profitability, while re-rating from here on will hinge on sustained volume growth delivery,\u201d the analysts said.<\/p>\n<p class=\"p1\">NII grew 8% year-on-year (YoY), led by an average balance sheet growth of 11% YoY.<\/p>\n<p class=\"p1\">However, core fee income growth did not meet expectations at just 8% YoY, said Shah and Jogani.<\/p>\n<p class=\"p1\">Loan growth is 16% YoY in Q4, compared to 12% the previous quarter. Deposit growth improved to 11% YoY, from 9% YoY a quarter earlier.<\/p>\n<p class=\"p1\">Key downside risks for ICICI Bank are lower-than-expected deposit growth, weak margin progression, and worsening asset quality trend, said Shah and Jovani.<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Net interest income grew 8%. ICICI Bank beat estimates, reporting a profit after tax of $1.46b (IND137b) for Q4 FY2026, lifted by lower credit costs, said InCred Equities. Core performance was broadly in line, with a healthy net interest income (NII) and strong average balance sheet growth, said Bhavik Shah and Rishabh Jogani, analysts for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5904,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5903","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\/04\/ICICI-Bank-2-1140x445.webp",1140,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/04\/ICICI-Bank-2-463x348.webp",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/04\/ICICI-Bank-2-300x200.webp",300,200,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/04\/ICICI-Bank-2.webp",2000,1333,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5903","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=5903"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5903\/revisions"}],"predecessor-version":[{"id":5905,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5903\/revisions\/5905"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/5904"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=5903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=5903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=5903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}