NYSE : IBN
ICICI Bank Limited — Financial statements
Financials · Banks - Regional · India
Last price 29.13 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 104.53B
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Financial statements
Income statement
Fiscal year April - March; amounts in INR.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 2.05T | 1.95T | 1.86T | 1.60T | 1.21T | 954.07B |
| Interest Paid on Deposits | 926.41B | 890.29B | 890.28B | 741.08B | 505.43B | 411.67B |
| Net Interest Income | 1.14T | 1.06T | 973.04B | 854.08B | 705.23B | 542.40B |
| Gain (Loss) on Sale of Assets | 2.89B | 2.89B | 439.08M | 144.09M | 542.58M | 56.63M |
| Gain (Loss) on Sale of Investments | 39.65B | 39.65B | 52.34B | 37.87B | 11.41B | 25.13B |
| Other Non-Interest Income | 1.19T | 1.13T | 1.03T | 727.20B | 639.16B | 596.11B |
| Total Non-Interest Income | 1.23T | 1.17T | 1.08T | 765.22B | 651.12B | 621.29B |
| Revenues Before Loan Losses | 2.37T | 2.23T | 2.06T | 1.62T | 1.36T | 1.16T |
| Provision for Loan Losses | 244.84B | 250.23B | 233.41B | 191.40B | 187.33B | 174.34B |
| Revenue | 2.12T | 1.98T | 1.82T | 1.43T | 1.17T | 989.36B |
| Salaries and Employee Benefits | 253.23B | 242.90B | 228.40B | 184.69B | 147.16B | 120.75B |
| Occupancy Expenses | 101.89B | 101.89B | 87.28B | 72.58B | 65.64B | 54.38B |
| Selling, General & Administrative | 67.30B | 66.90B | 67.82B | 80.67B | 77.75B | 60.39B |
| Other Non-Interest Expense | 1.05T | 982.55B | 886.60B | 632.86B | 528.66B | 493.33B |
| Total Non-Interest Expense | 1.48T | 1.40T | 1.28T | 967.09B | 814.41B | 723.97B |
| EBT Excluding Unusual Items | 638.18B | 579.36B | 545.69B | 460.81B | 354.61B | 265.38B |
| Pretax Income | 638.18B | 579.36B | 545.69B | 460.81B | 354.61B | 265.38B |
| Income Tax Expense | 9.91B | |||||
| Earnings From Continuing Operations | 628.27B | 579.36B | 545.69B | 460.81B | 354.61B | 265.38B |
| Minority Interest in Earnings | -37.61B | -37.29B | -35.40B | -18.24B | -14.25B | -14.28B |
| Net Income | 590.66B | 542.08B | 510.29B | 442.56B | 340.37B | 251.10B |
| Net Income to Common | 590.66B | 542.08B | 510.29B | 442.56B | 340.37B | 251.10B |
| Basic Shares Outstanding | 7.16B | 7.14B | 7.05B | 7.00B | 6.97B | 6.93B |
| Diluted Shares Outstanding | 7.25B | 7.25B | 7.17B | 7.13B | 7.11B | 7.08B |
| EPS (Basic) | 82.47 | 75.89 | 72.41 | 63.19 | 48.86 | 36.21 |
| EPS (Diluted) | 81.42 | 74.77 | 71.14 | 61.96 | 47.84 | 35.44 |
| Dividend Per Share | 12.00 | 11.00 | 10.00 | 8.00 | 5.00 | |
| Effective Tax Rate | 1.55% |
Balance sheet
Fiscal year April - March; amounts in INR.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.75T | 1.49T | 1.00T | 817.82B | 764.89B | 807.23B |
| Investment Securities | 9.49T | 7.20T | 7.25T | 6.62T | 4.95T | 4.16T |
| Trading Asset Securities | 215.73B | 161.65B | 169.99B | 178.02B | 105.35B | |
| Total Investments | 9.49T | 7.41T | 7.41T | 6.79T | 5.13T | 4.27T |
| Gross Loans | 19.35T | 16.45T | 14.21T | 12.61T | 10.84T | 9.20T |
| Net Loans | 19.35T | 16.45T | 14.21T | 12.61T | 10.84T | 9.20T |
| Property, Plant & Equipment | 175.40B | 174.20B | 158.12B | 132.40B | 109.69B | 106.05B |
| Goodwill | 117.28B | 105.50B | 84.59B | 24.74B | 1.01B | 1.01B |
| Accrued Interest Receivable | 236.60B | 238.38B | 208.55B | 151.10B | 108.39B | |
| Restricted Cash | 1.16T | 1.14T | 809.87B | 599.68B | 1.02T | |
| Other Current Assets | 149.34B | 115.08B | 85.28B | 75.27B | 66.34B | |
| Long-Term Deferred Tax Assets | 42.62B | 48.41B | 63.12B | 76.19B | 79.48B | |
| Other Long-Term Assets | 1.04T | 1.93T | 2.02T | 2.10T | 1.84T | 1.86T |
| Total Assets | 32.93T | 29.14T | 26.42T | 23.64T | 19.58T | 17.53T |
| Accounts Payable | 653.00B | 619.26B | 639.12B | 242.83B | 206.51B | |
| Interest Bearing Deposits | 20.92T | 15.58T | 14.04T | 12.45T | 10.45T | 9.28T |
| Non-Interest Bearing Deposits | 2.72T | 2.38T | 1.99T | 1.66T | 1.63T | |
| Total Deposits | 20.92T | 18.30T | 16.42T | 14.44T | 12.11T | 10.91T |
| Short-Term Borrowings | 497.49B | 412.04B | 349.48B | 98.02B | 90.35B | |
| Current Portion of Long-Term Debt | 1.04T | 934.67B | ||||
| Current Portion of Leases | 340.30M | 230.50M | 207.20M | 201.30M | 176.70M | |
| Accrued Interest Payable | 42.05B | 42.15B | 38.99B | 33.39B | 27.52B | |
| Other Current Liabilities | 98.81B | 90.51B | 128.61B | 139.27B | 135.10B | |
| Long-Term Debt | 2.96T | 1.96T | 1.96T | 862.11B | 1.04T | 1.64T |
| Long-Term Leases | 1.77B | 1.02B | 319.00M | 527.20M | 718.10M | |
| Other Long-Term Liabilities | 4.96T | 3.80T | 3.59T | 3.45T | 2.77T | 2.63T |
| Total Liabilities | 28.83T | 25.35T | 23.13T | 20.94T | 17.37T | 15.65T |
| Common Stock | 14.36B | 14.32B | 14.24B | 14.04B | 13.97B | 13.90B |
| Additional Paid-In Capital | 623.04B | 606.13B | 519.44B | 507.23B | 497.65B | |
| Retained Earnings | 2.71T | 2.26T | 1.80T | 1.41T | 1.11T | |
| Comprehensive Income & Other | 3.89T | 278.78B | 259.94B | 226.38B | 209.88B | 200.51B |
| Total Common Equity | 3.91T | 3.63T | 3.14T | 2.56T | 2.14T | 1.82T |
| Minority Interest | 196.81B | 165.11B | 148.37B | 138.88B | 66.87B | 59.81B |
| Shareholders' Equity | 4.10T | 3.80T | 3.29T | 2.70T | 2.21T | 1.88T |
| Total Liabilities & Equity | 32.93T | 29.14T | 26.42T | 23.64T | 19.58T | 17.53T |
| Total Debt | 2.96T | 2.46T | 2.38T | 2.25T | 2.08T | 1.73T |
| Net Cash (Debt) | -202.99B | -748.42B | -1.21T | -1.26T | -1.13T | -817.27B |
| Net Cash Per Share | -27.99 | -103.27 | -169.03 | -177.16 | -159.35 | -115.50 |
| Filing Date Shares Outstanding | 7.18B | 7.16B | 7.14B | 7.04B | 7.00B | 6.96B |
| Total Common Shares Outstanding | 7.18B | 7.16B | 7.12B | 7.02B | 6.98B | 6.95B |
| Book Value Per Share | 544.19 | 507.06 | 440.76 | 364.76 | 307.18 | 261.99 |
| Tangible Book Value | 3.79T | 3.53T | 3.05T | 2.54T | 2.14T | 1.82T |
| Tangible Book Value Per Share | 527.85 | 492.33 | 428.88 | 361.23 | 307.03 | 261.85 |
Cash flow statement
Fiscal year April - March; amounts in INR.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 590.66B | 542.08B | 510.29B | 442.56B | 340.37B | 251.10B |
| Depreciation & Amortization | 31.96B | 30.08B | 26.06B | 19.96B | 16.35B | 14.70B |
| Gain (Loss) on Sale of Assets | -2.87B | -2.89B | -439.08M | -144.09M | -542.58M | -56.63M |
| Gain (Loss) on Sale of Investments | -6.52B | 2.90B | -1.02B | 16.17B | 27.05B | 18.32B |
| Total Asset Writedown | 1.14B | 1.14B | 848.00M | |||
| Provision for Credit Losses | 73.26B | 71.12B | 48.28B | 21.29B | 1.25B | 67.84B |
| Change in Other Net Operating Assets | -4.34T | -1.88T | -1.34T | -1.29T | -1.69T | -1.14T |
| Other Operating Activities | -8.27B | 19.68B | -4.04B | 29.62B | 63.42B | 51.27B |
| Operating Cash Flow | -3.66T | -1.21T | -752.52B | -757.09B | -1.23T | -733.14B |
| Capital Expenditures | -33.34B | -37.30B | -47.70B | -36.79B | -24.68B | -18.60B |
| Sale of Property, Plant and Equipment | 1.89B | 1.83B | 646.12M | 698.89M | 2.87B | 1.17B |
| Investment in Securities | -436.18B | -94.67B | -725.83B | -1.42T | -658.25B | -375.79B |
| Investing Cash Flow | -467.64B | -130.14B | -772.88B | -1.46T | -680.05B | -393.21B |
| Short-Term Debt Issued | 38.06B | 106.80B | 181.42B | 124.84B | 169.44B | |
| Long-Term Debt Issued | 481.79B | 404.46B | 391.97B | 417.36B | 356.98B | |
| Total Debt Issued | 1.26T | 519.85B | 511.26B | 573.39B | 542.20B | 526.41B |
| Long-Term Debt Repaid | -501.53B | -399.33B | -391.47B | -268.92B | -346.03B | |
| Total Debt Repaid | -454.84B | -501.53B | -399.33B | -391.47B | -268.92B | -346.03B |
| Net Debt Issued (Repaid) | 806.92B | 18.32B | 111.93B | 181.92B | 273.28B | 180.38B |
| Issuance of Common Stock | 11.98B | 13.61B | 14.38B | 11.71B | 9.42B | 7.98B |
| Common Dividends Paid | -86.11B | -78.53B | -70.41B | -55.99B | -34.79B | -13.85B |
| Total Dividends Paid | -86.11B | -78.53B | -70.41B | -55.99B | -34.79B | -13.85B |
| Net Increase (Decrease) in Deposit Accounts | 4.46T | 1.88T | 1.98T | 2.33T | 1.19T | 1.31T |
| Financing Cash Flow | 5.19T | 1.84T | 2.04T | 2.47T | 1.44T | 1.49T |
| Foreign Exchange Rate Adjustments | 9.59B | 13.06B | 1.48B | 4.23B | 3.16B | -1.27B |
| Net Cash Flow | 1.08T | 509.57B | 512.55B | 263.12B | -466.69B | 355.55B |
| Free Cash Flow | -3.69T | -1.25T | -800.22B | -793.87B | -1.26T | -751.74B |
| Free Cash Flow Margin | -173.88% | -63.00% | -43.91% | -55.60% | -107.53% | -75.98% |
| Free Cash Flow Per Share | -508.66 | -172.19 | -111.65 | -111.31 | -176.93 | -106.24 |
| Cash Interest Paid | 735.49B | 499.57B | 408.97B | |||
| Cash Income Tax Paid | 205.26B | 165.48B | 181.16B | 133.44B | 108.75B | 49.82B |
Ratios
Fiscal year April - March; amounts in INR.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 106.50B | 92.10B | 112.40B | 92.13B | 74.59B | 66.87B |
| Last Close Price | 29.45 | 25.72 | 31.09 | 25.87 | 20.98 | 18.32 |
| PE Ratio | 17.41 | 15.93 | 18.82 | 17.34 | 18.00 | 20.21 |
| PS Ratio | 4.74 | 4.36 | 5.27 | 5.38 | 5.24 | 5.13 |
| PB Ratio | 2.45 | 2.27 | 2.92 | 2.84 | 2.77 | 2.70 |
| Debt / Equity Ratio | 0.72 | 0.65 | 0.72 | 0.83 | 0.94 | 0.92 |
| Net Debt / Equity Ratio | 0.05 | 0.20 | 0.37 | 0.47 | 0.51 | 0.43 |
| Net Debt / FCF Ratio | -0.06 | -0.60 | -1.51 | -1.59 | -0.90 | -1.09 |
| Return on Equity (ROE) | 16.49% | 16.36% | 18.23% | 18.76% | 17.33% | 14.94% |
| Return on Assets (ROA) | 2.10% | 2.08% | 2.18% | 2.13% | 1.91% | 1.60% |
| Earnings Yield | 5.74% | 6.28% | 5.31% | 5.76% | 5.56% | 4.95% |
| FCF Yield | -37.09% | -14.45% | -8.33% | -10.34% | -20.52% | -14.81% |
| Dividend Yield | 0.71% | 1.00% | 0.82% | 0.92% | 0.91% | 0.69% |
| Payout Ratio | 12.42% | 14.49% | 13.80% | 12.65% | 10.22% | 5.52% |
| Buyback Yield / Dilution | -0.63% | -1.11% | -0.49% | -0.38% | -0.41% | -3.42% |
| Total Shareholder Return | 0.09% | -0.12% | 0.32% | 0.53% | 0.50% | -2.73% |