Icici Bank Limited · NSE:ICICIBANK
Icici Bank — Debt Investor Presentation (July 2026)
18 slides from Icici Bank's debt investor presentation, Jul 22, 2026
Slide 1: Cover letter to stock exchanges: Investor Presentation
July 22, 2026 BSE Limited National Stock Exchange of India Limited Listing Department Listing Department Phiroze Jeejeebhoy Towers Exchange Plaza, 5th floor Dalal Street Plot No. C/1, G Block Mumbai 400 001 Bandra-Kurla Complex Bandra(East) Mumbai 400 051 Dear Sir/Madam, Sub: Investor Presentation P
Slide 2: ICICI Bank Debt Market Investor Meetings
ICICI Bank Debt Market Investor Meetings July 22-23, 2026
Slide 3: Important notice and disclaimer
NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES, EXCEPT TO “QUALIFIED INSTITUTIONAL BUYERS” (AS DEFINED IN RULE 144A UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S. SECURITIES ACT”), OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, P
Slide 4: Disclaimer: proprietary orders and order book
Prospective investors who do not indicate this information when placing an order are hereby deemed to confirm that their order is not such a “proprietary order”. If a prospective investor is otherwise affiliated with a CMI, such that its order may be considered to be a “proprietary order” (pursuant to
Slide 5: Disclaimer: India offering restrictions
This presentation has not been and will not be reviewed or approved by any regulatory or statutory or adjudicatory authority in India or by the Indian stock exchanges. The securities mentioned herein will not be offered sold, resold, pledged, delivered, distributed or transferred, directly or indire
Slide 6: Credit Highlights
Credit Highlights 5
Slide 7: Credit highlights (1/4)
Credit highlights (1/4) • ICICI is the 2nd largest private-sector bank in India by assets1 • Designated as 1 of the 3 Domestic Systemically Important Banks (D-SIBs) in Overview India • Market capitalisation of US$ 110.5 bn at Jul 21, 20262 • PAT of US$ 1.56 bn (₹ 148.05 bn) in Q1-2027, representing
Slide 8: Credit highlights (2/4)
Credit highlights (2/4) • Stable and granular funding franchise with period-end total deposits of US$ 193.3 bn (₹ 18,335.86 bn), representing a growth of 14.0% YoY Deposits • Period-end CASA ratio stood at 39.5% • Adequate liquidity with SLR investments of US$ 44.9 bn (₹ 4,255.10 bn) • Total advance
Slide 9: Credit highlights (3/4)
Credit highlights (3/4) Prudent credit quality • GNPA improved consistently from 2.16% in FY2024 to 1.4% in Q1-2027 Asset • Net NPA ratio was 0.35% at Jun 30, 2026 quality • Provision coverage ratio was 74.7% at Jun 30, 2026 • Contingency provisions of US$ 1.4 bn (₹ 131.00 bn) at Jun 30, 2026 Strong
Slide 10: Credit highlights (4/4)
Credit highlights (4/4) • Leadership across a full suite of financial services via scaled, highly profitable subsidiaries spanning • life insurance • general insurance Leadership • asset management • broking • housing finance • pension fund management • Highly qualified Board and strong leadership • S&P
Slide 11: Distribution network
Distribution network Branches % share at Mar 31, 2025 Mar 31, 2026 Mar 31, 2026 Metro 2,079 2,356 31.4% Urban 1,422 1,507 20.1% Semi urban 1,905 1,956 26.0% Rural 1,577 1,692 22.5% Total branches 6,983 7,511 100.0% Total ATMs and CRMs1 16,285 12,087 528 branches added in FY2026 Total branches were 7
Slide 12: Operating performance
Operating performance 11
Slide 13: Profit & loss statement
Profit & loss statement Q1- Q1- Q1-o-Q1 (₹ billion) FY2024 FY2025 FY2026 2026 2027 growth % Net interest income 743.06 811.65 880.75 216.35 243.84 12.7% Non-interest income 229.58 285.07 307.58 85.05 85.76 0.8% Core operating income 972.64 1,096.72 1,188.33 301.40 329.60 9.4% Non-interest expenses 39
Slide 14: Balance sheet growth
Balance sheet growth 13
Slide 15: Balance sheet: liabilities
Balance sheet: liabilities Mar 31, Mar 31, Mar 31, Jun 30, Jun 30, Q1-o-Q1 (₹ billion) 2024 2025 2026 2025 2026 growth % Net worth 2,383.99 2,920.76 3,373.71 3,063.21 3,534.91 15.4% Deposits 14,128.25 16,103.48 17,946.25 16,085.18 18,335.86 14.0% - Savings 4,023.00 4,407.72 4,756.06 4,458.42 4,763.7
Slide 16: Balance sheet: assets
Balance sheet: assets (₹ billion) Mar 31, Mar 31, Mar 31, Jun 30, Jun 30, Q1-o-Q1 2024 2025 2026 2025 2026 growth % Cash & bank balances 1,399.26 1,855.62 2,303.35 1,645.98 1,630.47 (0.9)% Investments 4,619.42 5,047.57 4,922.17 5,077.07 5,385.34 6.1% Advances 11,844.06 13,417.66 15,538.93 13,641.57
Slide 17: Key ratios
Key ratios Percent FY2024 FY2025 FY2026 Q1-2026 Q1-2027 Net interest margin 4.53 4.32 4.32 4.34 4.36 Cost/ average assets 2.29 2.18 2.22 2.19 2.15 Return on average assets 2.37 2.40 2.32 2.44 2.49 Return on average equity 18.71 17.95 15.97 17.07 17.14 Net NPA ratio1 0.42 0.39 0.33 0.41 0.35 Provisio
Slide 18: Thank you
PICICI Bank Thank you