ICICI银行二季度单体净利1484.3亿卢比增20.1% 核心净利息收入增17.7%
孟买讯——印度第二大私营银行ICICI Bank（纽交所：IBN）10月17日公布截至2026年9月30日的2027财年第二季度业绩，董事会于同日在孟买开会批准。单体净利润为1484.3亿卢比，上年同期为1235.9亿卢比，同比增长20.1%；合并净利润为1633.318亿卢比，上年同期为1335.706亿卢比，同比增长22.28%。
核心净利息收入同比增长17.7%至2533.9亿卢比，净息差为4.18%，低于上年同期的4.30%及上一季度的4.36%。核心经营利润增长21.8%至2080.5亿卢比；手续费收入增长20.1%至779.5亿卢比，其中零售、农村及企业银行客户贡献约75%。贷款总额同比增长30.0%，剔除国际分行以侨民存款为基础发放的贷款后增幅为24.1%；存款总额同比增长27.1%，剔除相关侨民存款后增长17%。
拨备及或有支出降至85.069亿卢比，上年同期为91.411亿卢比。不良贷款率由上一季度的1.38%及上年同期的1.58%改善至1.20%，净不良率降至0.30%。期末整体资本充足率为16.68%，核心一级资本充足率为16.01%。当季国库业务录得亏损23亿卢比，上年同期为收益22亿卢比。
ICICI Bank Q2 Standalone Net Profit Jumps 20.1% to Rs 148.43 Billion; Core NII Up 17.7%
MUMBAI — ICICI Bank (NYSE: IBN), India's second-largest private-sector lender, reported results for the second quarter of fiscal 2027, ended September 30, 2026, on October 17, with the board approving the results at its meeting in Mumbai the same day. Standalone net profit grew 20.1% to Rs 148.43 billion, from Rs 123.59 billion a year earlier, while consolidated net profit jumped 22.28% to Rs 163.33 billion, from Rs 133.57 billion.
Core net interest income grew 17.7% to Rs 253.39 billion, and the net interest margin stood at 4.18%, compared with 4.30% a year earlier and 4.36% in the preceding quarter. Core operating profit grew 21.8% to Rs 208.05 billion. Fee income grew 20.1% to Rs 77.95 billion, with retail, rural and business banking customers contributing about 75% of fees. Total advances grew 30.0% year over year — 24.1% excluding loans by international branches against foreign-currency non-resident deposits — and total deposits grew 27.1%, or 17% on the same adjusted basis.
Provisions and contingencies fell to Rs 8.51 billion from Rs 9.14 billion a year earlier. The gross non-performing asset ratio improved to 1.20%, from 1.38% a quarter ago and 1.58% a year earlier, and the net NPA ratio fell to 0.30%. Overall capital adequacy stood at 16.68% as of September 30, 2026, with a CET1 ratio of 16.01%. The bank recorded a treasury loss of Rs 2.3 billion for the quarter, compared with a gain of Rs 2.2 billion a year earlier.
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