Sun Jan 18 01:50:00 UTC 2026: ### ICICI Bank Reports Slight Dip in GNPA, Net Interest Income Surges in Q3 FY26

The Story:
ICICI Bank reported a slight decrease in its gross non-performing assets (GNPA) to 1.53% for the third quarter of fiscal year 2026, down from 1.58% in the previous quarter and 1.96% in Q3 of FY25. While the GNPA saw a marginal improvement, the bank’s net interest income (NII) experienced a surge of 7.7% year-over-year, reaching ₹21,932 crore. The bank’s net profit decreased by 8.42% on a sequential basis.

Key Points:

  • GNPA: Decreased to 1.53% in Q3 FY26 from 1.58% in Q2 FY26 and 1.96% in Q3 FY25.
  • Net Interest Income (NII): Increased by 7.7% YoY to ₹21,932 crore.
  • Net Interest Margin (NIM): Stood at 4.3% in Q3 FY26, up from 4.25% in the year-ago period.
  • Net Profit: Declined 8.42% QoQ.
  • Domestic Loan Portfolio: Grew by 11.5% annually to ₹14.3 lakh crore.
  • Total Advances: Grew by 11.5% annually and 4.1% QoQ to ₹14.66 lakh crore.
  • Capital Adequacy Ratio: Stood at 17.34% as of December 31, 2025.
  • Branch Network: Expanded to 7,385 branches and 11,983 ATMs by the end of the reporting quarter.

Key Takeaways:

  • ICICI Bank demonstrates improved asset quality with a reduction in GNPA, though marginal.
  • The bank’s core earning power, indicated by NII, continues to strengthen.
  • Profitability faced a slight setback on a sequential basis.
  • ICICI Bank continues to experience solid loan growth, reflecting robust business activity.
  • The bank maintains a healthy capital adequacy ratio, providing a buffer against potential risks.

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