ICICI Bank Limited (IBN) Q4 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Ladies and gentlemen, good day and welcome to ICICI Bank Limited Q4F526 Earnings Conference Call. As a reminder, all participant lines will be in the listen only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touchstone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Sandeep Bakshi, Managing Director and Chief Executive Officer of ICICI Bank. Thank you and over to you, sir. Thank you. Good evening to all of you and welcome to the ICICI Bank earnings call to discuss the results for Q4 of FY2026. Joining us today on this call are Sandeep Batra, Rakesh, Ajay, Anandiya and Abhinay. At ICSA Bank, our strategic focus continues to be on growing profits before tax, excluding treasury, through the 360-degree customer-centering approach and by serving opportunities across ecosystems and micro-markets. We continue to operate within the framework of our values to strengthen our franchise. Maintaining high standards of governance, keeping coverage, and enhancing delivery capabilities with a focus on simplicity and operational resilience, are key drivers for a risk-calibrated profitable growth. The profit before tax, excluding Treasury, grew by 10.1% year-on-year to Rs. 182.09 billion in this quarter and by 7.1% year-on-year to Rs. 650.21 billion in FY2026. The core operating profit increased by 5.1% year-on-year to 183.05 billion rupees in this quarter and by 7.7% year-on-year to 704.01 billion rupees in FY2026. The profit after tax grew by 8.5% year-on-year to 137.02 billion rupees in this quarter and by 6.2% year-on-year to 501.47 billion rupees in financial year 202...