ICICI Bank Limited (IBN) Q2 2027 Earnings Call Transcript

SA Transcripts 162.5K Followers Follow ICICI Bank Limited ( IBN ) Q2 2027 Earnings Call October 17, 2026 6:30 AM EDT Company Participants Sandeep Batra - Executive Director Anindya Banerjee - Group CFO & Head of Investor Relations Conference Call Participants Ritu Singh Piyush Shukla Srishti Sharma Shivam Khilar Hamsini Karthik Ashish Agashe Samriddhi Mahar Subrata Panda Falaknaaz Syed Ashokamithran T. Atmadip Ray Presentation Operator Ladies and gentlemen, we welcome you all to ICICI Bank's Results Conference Call with Mr. Sandeep Batra, Executive Director, ICICI Bank; and Mr. Anindya Banerjee, Group Chief Financial Officer, ICICI Bank. Mr. Batra will now give you an overview of the results, which will be followed by a Q&A session. Thank you, and over to you, sir. Sandeep Batra Executive Director Good evening, everyone. Thank you all for joining us on this busy Saturday afternoon. The Indian economy continues to remain resilient as reflected by India's economic fundamentals, supported by consistent actions and initiatives of the policymakers. We continue to monitor developments closely and remain focused on our long-term strategy aligned with India's evolving economic landscape. 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 the key drivers for our risk-calibrated profitable growth. Our Board today approved the financial results of ICICI Bank for the quarter and the -- quarter and half year ended September 30, 2026. I would like to highlight some key numbers. First, moving on to profit and capital. The net interest income grew by 17.7% year-on-year to INR 25,339 crores in Q2 2027. The net interest margin was 4.18% in Q2 2027 compared to 4.36% in Q1 2027. Excluding the benefit of interest on