ICICI Bank Limited (IBN) Q3 2026 Earnings Call

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WEBVTT 00:00:01.415 -- 00:00:06.483 Ladies and gentlemen, good day and welcome to ICICI Bank Limited Q3 FY26 00:00:06.483 -- 00:00:11.271 Earnings Conference Call. As a reminder, all participant lines will be in the listen-only 00:00:11.271 -- 00:00:15.497 mode and there will be an opportunity for you to ask questions after the presentation 00:00:15.497 -- 00:00:17.060 concludes. 00:00:17.060 -- 00:00:20.746 Should you need assistance during this conference call, please signal an operator by 00:00:20.746 -- 00:00:24.472 pressing star then zero on your touchtone phone. 00:00:24.472 -- 00:00:27.554 Please note that this conference is being recorded. 00:00:27.554 -- 00:00:32.181 I now hand the conference over to Mr. Sandeep Bakshi, Managing Director and Chief Executive 00:00:32.181 -- 00:00:37.229 Officer of ICICI Bank. Thank you and over to you, sir. 00:00:37.229 -- 00:00:39.052 Thank you. 00:00:39.052 -- 00:00:44.139 Good evening to all of you and welcome to the ICICI Bank Earnings Call to 00:00:44.139 -- 00:00:49.324 discuss the results for Q3 of FY2026. 00:00:49.688 -- 00:00:55.076 Joining us today on this call are Sandeep Batra, Rakesh, Ajay, Anandya 00:00:55.076 -- 00:00:57.236 and Abhinay. 00:00:57.490 -- 00:01:02.676 At ICSA Bank, our strategic focus continues to be on growing profit before tax, excluding 00:01:02.676 -- 00:01:07.823 treasury, through the 360-degree customer-centric approach and by serving opportunities 00:01:07.823 -- 00:01:10.927 across ecosystems and micro-markets. 00:01:10.927 -- 00:01:16.013 We continue to operate within the framework of our values to strengthen our franchise. 00:01:16.013 -- 00:01:19.958 Maintaining high standards of governance, deepening coverage, and enhancing delivery 00:01:19.958 -- 00:01:25.405 capabilities with a foc...