ICICI Bank Q2 FY2027 Net Profit Rises 20.1% to ₹14,843 Crore; NIM Slips to 4.18%
IBN sits 18% above its 52-week low of $25.082.
Summary
ICICI Bank posted Q2 FY2027 profit after tax of ₹14,843 crore, up 20.1% year-on-year, with net NPA at 0.30% and capital adequacy at 16.68%, even as net interest margin narrowed to 4.18%.
Key Events · Earnings and Guidance · IBN
-
Q2 FY2027 Profit Up 20.1%
Standalone profit after tax came in at ₹14,843 crore versus ₹12,359 crore a year earlier, on net interest income of ₹25,339 crore, up 17.7% year-on-year.
-
Net Interest Margin Narrows to 4.18%
NIM declined from 4.36% in Q1-2027 and 4.30% in Q2-2026; stripping out the prior quarter's 8 basis point tax-refund benefit, Q1-2027 NIM was 4.28%.
-
Asset Quality Improves Further
Gross NPA ratio dropped to 1.20% from 1.38% at June 30, 2026, and net NPA to 0.30% from 0.35%, with provisioning coverage on non-performing loans at 75.0%.
-
Loan and Deposit Growth Strong
Advances rose 30.0% year-on-year to ₹18,31,580 crore and deposits 27.1% to ₹20,49,874 crore; excluding FCNR(B), loans grew 24.1% and deposits 17.0%.
Analysis · IBN · Finance
Profit after tax for Q2 FY2027 climbed 20.1% year-on-year to ₹14,843 crore, powered by 17.7% growth in net interest income, while gross NPA eased to 1.20% and net NPA to 0.30%. The counterweight is margin compression: net interest margin narrowed to 4.18% from 4.36% in the prior quarter and 4.30% a year ago, and a ₹230 crore treasury loss replaced last year's ₹220 crore gain. Advances grew 30.0% and deposits 27.1%, evidence the balance sheet is still expanding fast—but the margin trend will decide whether that growth converts into earnings. Separately, the filing discloses the board's application to RBI to retain Pradeep Kumar Sinha as part-time chairperson from July 1, 2027 through February 16, 2029.
How filings like this one have moved
In the 30 days to Oct 22, 2026, 29.4% of the 1560 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.47%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, IBN was trading at $29.60 on NYSE in the Finance sector, with a market capitalization of approximately $105.3B. The 52-week trading range was $25.08 to $31.85. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.