ICICI Bank Q1 FY27 Results: PAT Rises 14% YoY, NII Grows 12%
ICICI Bank Q1 Results FY2027: ICICI Bank reported a healthy Q1 FY27 performance, with PAT rising 14% YoY to ₹15,440 crore and NII growing 12% YoY to ₹29,177 crore. Asset quality remained strong, margins improved sequentially, and operating profit increased, although total income declined from the previous quarter.
ICICI Bank Q1 Results 2027: On 18 July, ICICI Bank reported a healthy performance for the first quarter of FY27. Net Interest Income (NII) increased 12.26% year-on-year to ₹29,177.13 crore, while Profit After Tax (PAT) rose 13.88% YoY to ₹15,440.06 crore. The bank also maintained strong asset quality and reported an improvement in margins. Here's a detailed breakdown of ICICI Bank's Q1 FY27 results.
ICICI Bank Q1 FY2027 Results Highlights ( CONSOLIDATED )
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Total Income stood at ₹79,689.22 crore in Q1 FY27, registering a 6.86% YoY increase from ₹74,576.03 crore in Q1 FY26. Sequentially, total income declined 5.82% from ₹84,613.66 crore in Q4 FY26.
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Net Interest Income (NII) increased to ₹29,177.13 crore, up 12.26% YoY from ₹25,989.90 crore. Compared with ₹27,546.94 crore in Q4 FY26, NII grew 5.92% QoQ.
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Pre-Provision Operating Profit (PPOP) stood at ₹22,604.33 crore, registering 6.04% YoY growth from ₹21,316.81 crore. Sequentially, PPOP increased 7.61% from ₹21,004.88 crore.
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Operating Profit Margin stood at 28.37%, compared with 28.58% in Q1 FY26 and 24.82% in Q4 FY26, contracting 21 basis points YoY while expanding 354 basis points QoQ.
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Profit After Tax (PAT) stood at ₹15,440.06 crore, rising 13.88% YoY from ₹13,557.60 crore. Compared with ₹14,755.06 crore in Q4 FY26, PAT increased 4.64% QoQ.
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Net Interest Margin (NIM) improved to 4.36%, compared with 4.34% in Q1 FY26 and 4.32% in Q4 FY26.
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Earnings Per Share (EPS) increased to ₹21.54 from ₹19.02 in Q1 FY26, registering 13.25% YoY growth. Compared with ₹20.62 in Q4 FY26, EPS increased 4.46% QoQ.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
79,689.22 |
84,613.66 |
-5.82% |
74,576.03 |
6.86% |
|
Net Interest Income (₹ Cr) |
29,177.13 |
27,546.94 |
5.92% |
25,989.90 |
12.26% |
|
Operating Profit (PPOP) (₹ Cr) |
22,604.33 |
21,004.88 |
7.61% |
21,316.81 |
6.04% |
|
Operating Profit Margin |
28.37% |
24.82% |
+354 bps |
28.58% |
-21 bps |
|
Profit After Tax (₹ Cr) |
15,440.06 |
14,755.06 |
4.64% |
13,557.60 |
13.88% |
|
Gross NPA (%) |
1.38% |
1.40% |
-2 bps |
1.67% |
-29 bps |
|
Net NPA (%) |
0.35% |
0.33% |
+2 bps |
0.41% |
-6 bps |
|
ROA (%) |
2.18% |
2.14% |
+4 bps |
2.03% |
+15 bps |
|
ROE (%) |
11.90% |
12.27% |
-37 bps |
11.13% |
+77 bps |
|
NIM (%) |
4.36% |
4.32% |
+4 bps |
4.34% |
+2 bps |
|
EPS (₹) |
21.54 |
20.62 |
4.46% |
19.02 |
13.25% |
Source: ICICI Bank Q1 FY27 Investor Presentation and Consolidated Financial Results.
ICICI Bank Q1 FY27 Segment-wise Revenue (CONSOLIDATED)
Retail Banking remained the bank's largest operating segment during the quarter, while Treasury and Wholesale Banking also posted healthy growth. Life Insurance revenue declined sharply on a sequential basis, whereas General Insurance and Other Banking delivered steady growth.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Retail Banking |
42,166.49 |
40,608.58 |
3.84% |
40,458.10 |
4.22% |
|
Wholesale Banking |
25,326.59 |
23,114.71 |
9.57% |
21,450.76 |
18.07% |
|
Treasury |
37,211.69 |
34,339.39 |
8.36% |
36,973.20 |
0.65% |
|
Other Banking |
2,431.60 |
2,068.90 |
17.53% |
2,112.59 |
15.10% |
|
Life Insurance |
13,633.29 |
22,511.95 |
-39.44% |
12,070.95 |
12.94% |
|
General Insurance |
7,541.71 |
7,343.90 |
2.69% |
6,897.64 |
9.34% |
|
Others |
5,173.64 |
4,743.39 |
9.07% |
5,273.53 |
-1.89% |
|
Gross Segment Revenue |
1,33,485.01 |
1,34,730.82 |
-0.92% |
1,25,236.77 |
6.59% |
|
Less: Inter-segment Revenue |
53,795.79 |
50,117.16 |
7.34% |
50,660.74 |
6.19% |
|
Total Income |
79,689.22 |
84,613.66 |
-5.82% |
74,576.03 |
6.86% |
Source: ICICI Bank Q1 FY27 Segment Information.
ICICI Bank Share Price Today
As of 17 July, 3.30 PM
Ahead of the Q1 FY27 results, ICICI Bank shares ended Friday's session 2.52% higher. The stock is up 8.67% so far in 2026 and has gained around 2% over the past one year (July 17, 2025, to July 17, 2026).
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