ICICI Bank Q2 FY27: PAT ₹14,805 Cr & Rev ₹24,384 Cr

Investor Takeaways

15.9% YoY PAT growth to ₹14,805 crore

19.6% YoY loan portfolio expansion

23.5% YoY fee income increase

4.36% net interest margin maintained

0.35% net NPA ratio recorded

CET-1 capital ratio at 16.19%

Capital adequacy ratio reached 16.84%

Overall Tone: Neutral

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹24,384 Cr	12.7%
Net Profit	₹14,805 Cr	15.9%
EBITDA	Not available	Not available
EPS	Not available	Not available
OPM	Not available	Not available

What Changed

ICICI Bank reported Q1 FY2027 results showing 15.9% year-on-year growth in profit after tax to ₹14,805 crore, driven by 12.7% YoY growth in net interest income to ₹24,384 crore and 23.5% YoY expansion in fee income. The bank maintained a net interest margin of 4.36% and a low net NPA ratio of 0.35%. Loan portfolio growth reached 19.6% YoY, with retail loans increasing 12% and corporate loans 18.5%, while rural loans surged 35.4%. CET-1 capital ratio stood at 16.19%, and capital adequacy ratio improved to 16.84%. The results reflect strong execution in profitability and credit quality, though future performance will depend on sustainable deposit mobilization and NIM stability.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
ICICIBANK	15.47	Not available	Not available	8,92,242
HDFCBANK	15.5	14.3%	24.4%	11,81,607.38
SBIN	10.44	Not available	Not available	8,89,093.09
BAJFINANCE	30.94	18.65%	22.45%	5,66,842.01

ICICI Bank's P/E ratio of 15.47 is comparable to HDFC Bank's 15.5 but significantly lower than Bajaj Finance's 30.94, indicating relatively moderate valuation against peers.

Risks & Concerns

No specific risks identified in this filing. The company did not disclose explicit future guidance or targets for FCNR inflows or AI cost management.

Quarterly Trend

[Not available]

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About ICICI Bank Limited (ICICIBANK)

Financial Services · Banks · Listed on NSE

Market Cap: ₹8,92,242 Cr P/E: 15.5

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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