ICICI Bank Limited — PPTs, 18-07-2026: Investor Presentation

**Business Performance:** ICICI Bank reported strong Q1-2027 results, with Profit After Tax growing 15.9% YoY to ₹148.05 billion. Core operating profit increased 15.6% YoY to ₹202.35 billion. Total loans surged 19.6% YoY, driven by robust growth in business banking (+28.2%) and domestic corporate (+18.5%), while retail loans grew 12.0%. Average deposits rose 14.0% YoY, including a 12.1% increase in CASA deposits. Wholesale banking remained the largest PBT contributor. Net NPA ratio stood at 0.35%, with Gross NPA improving to 1.38%.

**Growth Drivers or Strategy:** The Bank maintains a diversified loan book, with retail forming 49.2% of total loans. Digital platforms like InstaBIZ and DigiEase are key for business banking expansion. Subsidiaries are also strong growth engines; ICICI Prudential Life saw new business sum assured up 31.8% YoY, and ICICI Prudential AMC's QAAUM grew over ₹11 trillion. ESG initiatives include a significant green financing portfolio and reduced operational emissions.

**Key Financial Metrics:**

* Profit After Tax: ₹148.05 billion (+15.9% YoY)

* Total Loans: +19.6% YoY

* Net Interest Margin: 4.36%

* RoAA: 2.49%, RoE: 17.1%

* EPS: ₹82.6