ICICI Bank
ICICI Bank has declared the results for the fourth quarter of financial year 2026. In this last quarter (Q4 FY26) ending in March, the bank’s profit has taken a huge jump. The bank has recorded a net profit of Rs 13,702 crore during this period. At the same time last year (Q4 FY25), this figure was Rs 12,629 crore. That is, there has been a direct increase of 8.5 percent in profits. At the same time, if we look at the total income of the bank, it has been Rs 50,584 crore, which is 1.8 percent more than Rs 49,690 crore in the same quarter last year. Such a huge amount directly means that the business of the bank is expanding continuously and rapidly.
Strong jump in bank’s real earnings
The real strength of any bank is measured by its Net Interest Income or NII. This is the amount that the bank earns from interest on loans given to customers and pays interest to depositors on their money, the difference between these two is the real income of the bank. On this front also the bank has achieved an impressive growth of 8.4 percent. The bank’s NII stood at Rs 22,979 crore in the March quarter, which was Rs 21,193 crore at the same time a year ago.
Huge decline in bad loans (NPAs)
The biggest fear in the banking sector is of bad loans i.e. NPA. ICICI Bank has won here also. The net NPA ratio of the bank has come down to just 0.33 percent as on March 31, 2026, which was 0.39 percent a year ago on March 31, 2025. Reduction in NPA simply means that the people or companies to whom the bank had given loans are repaying their money on time. From the point of view of an ordinary customer, this is a big relief. Due to reduction in bad debts, the health of the bank remains good and your deposited money also remains completely safe.
Bank has the most trust on retail customers
The bank has also gained momentum in the matter of loan distribution. The total advances (loans) given by the bank have increased by 15.8 percent on an annual basis and by 6.0 percent as compared to the previous quarter. By March 31, 2026, this figure has increased to Rs 15,53,893 crore. The most interesting thing is that the bank has given huge loans to the common people (retail customers). Retail loan portfolio has increased by 9.5 percent on annual basis and 4.2 percent on quarterly basis. At present, only retail loans account for 50.4 percent of the total loans distributed by the bank.
declaration of dividend
ICICI Bank has declared dividend for its investors. The bank has said that a dividend of Rs 12 will be given on every equity share (whose face value is Rs 2). However, this is not final, for this the approval of the shareholders will be required. The bank has made it clear that dividend will be paid only if the shareholders get the green signal in the upcoming AGM.
Now if we look at the performance of the share, on Friday the share of ICICI Bank closed at Rs 1352.80 with a gain of 0.54%. The stock has seen a decline of about 4.04% in the last one year, but there is some relief in the short term, the stock has risen by about 4.93% in the last one month.
