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ICICI Bank Ltd

Q2 FY26

ICICI Bank Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹1,397
Market cap₹10.0L Cr
P/E17.9
Updated16 Oct 2026
Read4 min read

The short version

Loan growth has picked up, with sequential growth rising from 1% to 3% in the recent quarter. The bank is positive on growth outlook with pick-up seen in loan growth across retail portfolios and strong business banking growth.

From ICICI Bank Ltd's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

  • Loan growth has picked up, with sequential growth rising from 1% to 3% in the recent quarter.
  • Retail loan growth has accelerated; mortgage portfolio up 9.9% YoY, business banking up 24.8% YoY.
  • Positive outlook on growth driven by investments in distribution and focus on growth segments and markets.
  • Expectation of improving retail growth in the second half of the year following government measures and GST rate cuts.
  • Business banking growth continues strong and is expected to sustain momentum.
  • Corporate loan growth remains moderate due to corporates’ strong internal accruals and alternative funding sources.
  • Overall loan growth forecast to be better in the second half, supported by government and RBI initiatives.

2 more points from ICICI Bank Ltd's call on revenue

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Profitability & Margins

See what ICICI Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The document does not explicitly mention any current or future capex, capital investment, or strategic investment plans. However, some related points include: - The bank focuses on sustainable growth supported by retained earnings and strong capital adequacy (CET1 ratio at 16.35% as of September 30, 2025). - There is an emphasis on leveraging capital for growth while maintaining a strong balance sheet. - The bank continues to invest in expanding branches and ATMs, with 263 new branches opened in H1-2026, totaling 7,246 branches and 10,610 ATMs as of September 30, 2025.

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Fundraising & Capital Structure

See what ICICI Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript from the provided pages does not specifically mention details about the current or expected order book or pending orders for ICICI Bank. The discussion primarily revolves around financial performance, loan growth, asset quality, capital adequacy, margins, and related banking operations. Therefore, based on the available information: - No explicit information on current or expected order book or pending orders is provided in the transcript. - Focus is on loan growth, asset quality, capital ratios, and profitability rather than order book metrics. - The bank expects credit demand to improve in the second half of the financial year due to better economic momentum and supportive government and RBI measures. If you need details specifically on order book or pending orders, it might not be covered in this document.

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Frequently Asked Questions

What were ICICI Bank Ltd Q2 FY26 results?

Loan growth has picked up, with sequential growth rising from 1% to 3% in the recent quarter. The bank is positive on growth outlook with pick-up seen in loan growth across retail portfolios and strong business banking growth.

What is ICICI Bank Ltd share price analysis?

ICICI Bank Ltd currently shows a neutral. The stock trades at a P/E of 17.9 with a market cap of ₹1,002,871 Cr. Investors should review the full earnings analysis for detailed insights.

Is ICICI Bank Ltd planning capital expenditure?

The document does not explicitly mention any current or future capex, capital investment, or strategic investment plans.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.