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 in Q3FY26, up from ₹6,697 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.
Credit growth
As per the bank’s exchange filing, the net domestic advances increased by 11.5% year-on-year and 4.0% on a sequential basis as of December 31, 2025, in comparison to 10.6% and 3.3% for September 30, 2025.
Deposit growth
As stated in the bank’s exchange filing, average deposits rose by 8.7% compared to the previous year and by 1.8% from the previous quarter, reaching ₹15,86,088 crore in Q3FY26. Average deposits in current and savings accounts saw an increase of 8.9% year-on-year and 1.5% sequentially in Q3FY26.
