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ICICI Bank Q1 preview points to modest profit growth and stable asset quality
Estimates ahead of ICICI Bank’s Q1 FY27 results call for net profit to rise to ₹13,164 crore and gross NPA to remain flat at 1.4%.
ICICI Bank is scheduled to announce its first-quarter results for FY27 after its board meeting on 18 July 2026, and investors will also be watching for a potential revision to its fund-raising limit via issuance of bonds or notes and offshore certificates of deposit, according to LiveMint Markets.
Ahead of the release, analysts expect modest year-on-year profit growth in the April to June quarter as provisions normalize and asset quality holds up. Motilal Oswal Financial Services estimates net profit could increase 3.1% to ₹13,164 crore, up from ₹12,768 crore in the prior year period.
The preview also flags expectations for stronger net interest income, with NII estimated to grow 10.5% to ₹23,906 crore. Net interest margin is expected to decline marginally on a seasonal basis, with adjusted NIMs largely flat quarter on quarter amid deposit repricing and interest reversals in Q1.
On credit quality, forecasts from Motilal Oswal Financial Services point to stable sequential asset quality, with gross non-performing assets seen flat at 1.4% and net NPA also flat at 0.3%. The estimates additionally expect loan growth of 18.5% year on year, supported by gold loans, corporate loans, personal loans and mortgages, while deposits are projected to rise 15.2% year on year.
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