ICICI Bank Q3 Results: India’s second largest private sector lender ICICI Bank on Saturday reported that its standalone Q3 profit after tax fell by 4.02% year-on-year (YoY) to ₹₹11,317.86 crore. The bank had earned a net profit of ₹11,792.42 crore in the October-December quarter of the previous year.
Net interest income (NII) rose by 7.7% compared to the previous year, reaching ₹21,932 crore in Q3FY26, up from ₹20,371 crore in Q3FY25.
The net interest margin was 4.30% in Q3FY26, slightly above the 4.25% recorded in Q3FY25 and unchanged from 4.30% in Q2FY26.
Further, the private bank’s non-interest income, not including treasury, rose by 12.4% year-on-year to ₹7,525 crore (US$ 837 million) in Q3FY26, up from ₹6,697 crore in Q3FY25.
Operating expenses saw a year-on-year increase of 13.2%, reaching ₹11,944 crore in Q3FY26 compared to ₹10,552 crore in Q3FY25.
asset quality
As per the bank’s filing with the exchanges, the gross NPA ratio stood at 1.53% on December 31, 2025, down from 1.58% on September 30, 2025, and 1.96% on December 31, 2024.
The net NPA ratio was recorded at 0.37% on December 31, 2025, compared to 0.39% on September 30, 2025, and 0.42% on December 31, 2024.
