By BullScreen Editorial Team 
ICICI Bank reported a steady performance in its Q4 results 2026, posting an 8.5% year-on-year rise in standalone net profit to ₹13,702 crore for the quarter ended March 31, 2026, compared with ₹12,629.58 crore a year ago.
The earnings were supported by consistent income growth and a sharp decline in provisions. On a sequential basis, profit surged 21.06% from Q3 FY26, highlighting improved operational efficiency and a strong balance sheet.
Net interest income (NII), a key measure of core earnings, rose 8.43% to ₹22,979 crore from ₹21,193 crore in the same quarter last year. This reflects steady loan growth and stable margins, reinforcing the bank’s earnings momentum in the Q4 results 2026 season.
A standout factor in the quarter was the sharp fall in provisions. These dropped 89.20% year-on-year to ₹96.16 crore and declined 96.24% sequentially from ₹2,554.28 crore in Q3 FY26. The reduction significantly boosted profitability, pushing pre-tax profit up 22.31% sequentially to ₹18,102.95 crore.
Asset quality remained robust. Gross non-performing assets (NPA) improved to 1.40% from 1.67% a year ago, while net NPA declined to 0.33% from 0.39%. Both metrics also showed improvement compared to the previous quarter, indicating continued strength in the loan book.
The bank also disclosed an additional standard asset provision of ₹1,283 crore following a regulatory review by the Reserve Bank of India. This relates to certain agricultural loans and is classified as a regulatory adjustment rather than stress in the portfolio.
On a consolidated basis, profit after tax rose 9.28% year-on-year to ₹14,755.06 crore, supported by contributions from subsidiaries like ICICI Prudential Life Insurance and ICICI Lombard General Insurance.
The bank declared a dividend of ₹12 per share for shareholders. Shares of ICICI Bank closed 0.5% higher at ₹1,352.8 on the BSE ahead of the results announcement.
The Q4 results 2026 underscore ICICI Bank’s improving asset quality, disciplined provisioning, and stable growth outlook, positioning it well among leading private sector lenders.