ICICI Bank releases transcript of Q1 FY2027 earnings call with analysts and investors
IBN•Q1 earnings call transcript released
ICICI Bank released transcripts of a media call, attended by the Executive Director and Group CFO, on results for the quarter ended June 30, 2026.
Loan growth and lending opportunities
Loan growth reflected higher working-capital demand; management cited moderation in bond and equity markets as supporting corporate lending opportunities.
Margin, deposits and asset quality commentary
Management flagged Q1 net interest margin of 4.36% as boosted by tax-refund interest; FY27 margin seen range-bound if rates stay unchanged.
FCNR(B) deposit program expected to be slightly NIM-dilutive; leverage to diaspora customers set case-by-case; no mobilization target disclosed.
Gross NPA additions rose sequentially to INR 5,552 crore, driven by seasonal Kisan Credit Card slippages; corporate saw virtually no new NPL formation.
