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![Infintea_ Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1873059916753383424.png) Infintea☕️ [@Infintea_](/creator/twitter/Infintea_) on x XX followers
Created: 2025-07-19 10:25:24 UTC

#ICICIBank (ICICI Group) Q1 FY26 net profit soars XX% YoY to ₹12,768Cr, beats ₹11,770Cr est! 📈 Gross NPA drops to XXXX% from 2.15%.

Supporting News Summary
On July 19, 2025, ICICI Bank Ltd., India’s second-largest private lender, reported a Q1 FY26 standalone net profit of ₹12,768.21 crore, up XXXX% year-on-year from ₹11,059.11 crore, surpassing Bloomberg’s estimate of ₹11,770 crore, per @businesstoday.in and @NDTVProfitIndia. Revenue rose XXXX% YoY to ₹51,452 crore from ₹46,067 crore, driven by a XXXX% increase in net interest income (NII) to ₹21,635 crore from ₹19,553 crore. The net interest margin (NIM) dipped to XXXX% from XXXX% YoY, reflecting funding cost pressures. Core operating profit grew XXXX% to ₹17,505 crore. Asset quality improved, with the gross non-performing asset (GNPA) ratio falling to XXXX% from XXXX% YoY, and the net NPA ratio at XXXX% vs. 0.43%. Total advances increased XX% YoY to ₹13,31,196 crore, with retail loans up 14%. Deposits grew XXXX% YoY to ₹15,45,216 crore. The capital adequacy ratio was 16.97%, with CET1 at 16.31%, per @economictimes.indiatimes.com.

#Timeline
- Apr 2025: Q4 FY25 net profit up XX% YoY to ₹12,630Cr; GNPA at 1.67%. Shares up 2%.
- Jul 2025: Q1 FY26 net profit up XXXX% to ₹12,768Cr; NII up 10.6%. Shares up 0.99%.
- Jul 2025: Loan book grows XX% to ₹13,31,196Cr; GNPA improves to 1.67%. Nifty XX flat.
- Q3 2025 Outlook: Market tracks NIM stability, loan growth; US trade deal talks critical.

#Impact Analysis
ICICI Bank’s Q1 FY26 results, announced July 19, 2025, reinforce its dominance in India’s $X trillion banking sector, alongside #HDFCBank and #SBIBank. The XXXX% profit growth to ₹12,768 crore, beating estimates, reflects strong loan growth (12% YoY to ₹13,31,196Cr) and stable asset quality (GNPA at 1.67%), per @NDTVProfitIndia. Retail loans (54% of portfolio) and a XXXX% deposit rise to ₹15,45,216 crore, with a XXXX% CASA ratio, support profitability, per @economictimes.indiatimes.com. The slight NIM dip to XXXX% signals funding cost pressures, but a XXXX% provisioning coverage ratio ensures resilience, per @businesstoday.in.

#HDFCBank #SBIBank #BankingSector #StockMarketIndia #Nifty50 #sensex


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[Post Link](https://x.com/Infintea_/status/1946516717536239682)