ICICI Bank Limited (IBN) Q4 2026 Earnings Call Transcript

Operator

Ladies and gentlemen, good day, and welcome to ICICI Bank Limited Q4 FY ’26 Earnings Conference Call. [Operator Instructions] Please note that this conference is being recorded. I now hand the conference over to Mr. Sandeep Bakhshi, Managing Director and Chief Executive Officer of ICICI Bank. Thank you, and over to you, sir.

Sandeep Bakhshi
MD, CEO & Executive Director

Thank you. Good evening to all of you, and welcome to the ICICI Bank earnings call to discuss the results for Q4 of FY 2026.

Joining us today on this call are Sandeep Batra, Rakesh, Ajay, Anindya and Abhinek.

At ICICI Bank, our strategic focus continues to be on growing profit before tax, excluding treasury, through the 360-degree customer-centric 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, deepening coverage and enhancing delivery capabilities with a focus on simplicity and operational resilience are key drivers for our risk-calibrated profitable growth.

The profit before tax, excluding treasury, grew by 10.1% year-on-year to INR 182.09 billion in this quarter and by 7.1% year-on-year to INR 650.21 billion in FY 2026. The core operating profit increased by 5.1% year-on-year to INR 183.05 billion in this quarter and by 7.7% year-on-year to