Investor Presentation

July 18, 2026 BSE Limited National Stock Exchange of India Limited Listing Department Listing Department Phiroze Jeejeebhoy Towers Exchange Plaza, 5th floor Dalal Street Plot No. C/1, G Block Mumbai 400 001 Bandra-Kurla Complex Bandra(East) Mumbai 400 051 Dear Sir/Madam, Sub: Investor Presentation Please find attached the investor presentation which will be referred during the earnings call with analysts and investors for the financial results of the Bank for the quarter ended June 30, 2026. The said presentation is being uploaded on the website of the Bank and can be accessed at https://www.icici.bank.in/about-us/qfr. This is for your information and records. Thanking you, For ICICI Bank Limited Vivek Ranjan Leadership Team Encl.: as above. Copy to- (i) New York Stock Exchange (NYSE) (ii) Singapore Stock Exchange (iii) Japan Securities Dealers Association (iv) SIX Swiss Exchange Ltd Q1-2027: Performance review July 18, 2026 Certain definitions in this release relating to a future period of time (including inter alia concerning our future business plans or growth prospects) are forward-looking statements intended to qualify for the 'safe harbor' under applicable securities laws including the US Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. These risks and uncertainties include, but are not limited to statutory and regulatory changes, international economic and business conditions; political or economic instability in the jurisdictions where we have operations or which affect global or Indian economic conditions, increase in non-performing loans, unanticipated changes in interest rates, foreign exchange rates, equity prices or other rates or prices, our growth and expansion in business, the adequacy of our allowance for credit losses, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks, changes in India’s sovereign rating, as well as other risks detailed in the reports filed by us with the United States Securities and Exchange Commission. Any forward-looking statements contained herein are based on assumptions that we believe to be reasonable as of the date of this release. ICICI Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. Additional risks that could affect our future operating results are more fully described in our filings with the United States Securities and Exchange Commission. These filings are available at www.sec.gov. Highlights for Q1-2027 Key highlights for Q1-2027 (1/2) • Profit before tax excluding treasury grew by 20.9% y-o-y and 4.2% q-o-q to ₹ 189.75 bn in Q1-2027 • Core operating profit grew by 15.6% y-o-y and 10.5% q-o-q to ₹ 202.35 bn Earnings • Core operating profit excluding dividend from subsidiaries grew by 18.3% y-o-y and 8.2% q-o-q to ₹ 191.25 bn • Profit after tax grew by 15.9% y-o-y and 8.0% q-o-q to ₹ 148.05 bn in Q1-2027 • Average deposits grew by 14.0% y-o-y and 6.1% q-o-q in Q1-2027 Deposits • Average current and savings account deposits grew by 12.1% y-o-y and 4.7% q-o-q in Q1-2027 • Period end total deposits grew by 14.0% y-o-y and 2.2% q-o-q at Jun 30, 2026 • Total loans grew by 19.6% y-o-y and 5.0% q-o-q Advances • Retail loans grew by 12.0% y-o-y and 2.7% q-o-q • Business banking1 portfolio grew by 28.2% y-o-y and 6.9% q-o-q • Domestic corporate portfolio grew by 18.5% y-o-y and 6.9% q-o-q 1. This portfolio comprises borrowers with turnover of upto ₹ 7.50 bn Key highlights for Q1-2027 (2/2) • Net NPA ratio was 0.35% at Jun 30, 2026 (Mar 31, 2026: 0.33%) • Net additions of ₹ 27.07 bn to gross NPAs in Q1-2027 (Q1-2026: ₹ 30.34 bn) • Provision coverage ratio was 74.7% at Jun 30, 2026 (Mar 31, 2026: 75.8%) Asset • Standard, contingency and other provisions of ₹ 229.63 bn (1.4% of advances) quality at Jun 30, 2026 • Contingency provisions of ₹ 131.00 bn at Jun 30, 2026 • Excludes additional standard asset provision of ₹ 12.83 billion in respect of agricultural priority sector portfolio • Common Equity Tier 1 ratio of 16.19%1 (Mar 31, 2026: 16.35%2) Capital • Total capital adequacy ratio of 16.84%1 1. Including profits for Q1-2027 2. Including profits for FY2026 Operating performance Profit & loss statement Q1-o-Q1 (₹ billion) FY2026 Q1-2026 Q4-2026 Q1-2027 Net interest income1 880.75 216.35 229.79 243.84 12.7% Non-interest income 295.60 72.64 74.15 84.25 16.0% - Fee income 257.42 59.00 67.79 72.86 23.5% - Dividend income from 34.58 13.36 6.31 11.10 (16.9)% subsidiaries - Others 3.60 0.28 0.05 0.29 2.9% Core operating income 1,176.35 288.99 303.94 328.09 13.5% Operating expenses 472.34 113.94 120.89 125.74 10.4% - Employee expenses 179.75 47.43 44.68 50.05 5.5% - Non-employee expenses 292.59 66.51 76.21 75.69 13.8% Core operating profit 704.01 175.05 183.05 202.35 15.6% Core operating profit excluding 669.43 161.69 176.74 191.25 18.3% dividend income 1. Includes interest on tax refund of ₹ 4.65 bn in Q1-2027 (FY2026: ₹ 7.11 bn, Q4-2026: ₹ 2.90 bn, Q1-2026: 3.61 bn) Profit & loss statement ₹ in billion Q1-o-Q1 FY2026 Q1-2026 Q4-2026 Q1-2027 Core operating profit 704.01 175.05 183.05 202.35 15.6% Provisions 53.801 18.15 0.96 12.60 (30.5)% Profit before tax excluding 650.21 156.90 182.09 189.75 20.9% treasury Treasury income 11.98 12.41 (1.06) 1.51 (87.8)% Profit before tax 662.19 169.31 181.03 191.26 13.0% Tax 160.72 41.63 44.01 43.21 3.8% Profit after tax 501.47 127.68 137.02 148.05 15.9% 1. Includes additional standard asset provision of ₹ 12.83 bn made pursuant to Reserve Bank of India’s annual supervisory review Key ratios Percent FY2026 Q1-2026 Q4-2026 Q1-2027 Net interest margin1,2 4.32 4.34 4.32 4.36 Cost of deposits 4.62 4.85 4.43 4.41 Cost-to-income 39.7 37.8 39.9 38.1 Core operating profit/average assets 3.26 3.34 3.20 3.40 Provisions/core operating profit 7.6 10.4 0.5 6.2 Provisions/average advances 0.38 0.53 0.03 0.32 Return on average assets 2.32 2.44 2.40 2.49 Standalone return on equity 16.0 17.1 16.6 17.1 Weighted average EPS (₹) 70.2 71.6 76.6 82.6 Book value (₹) 471.2 429.3 471.2 492.8 Yield, cost and margin: slide 40 Consolidated P&L and ratios: slide 41-43 1. Annualised on the basis of ‘number of months’ 2. Impact of interest on tax refund was 8 bps in Q1-2027 (3 bps in FY2026, 5 bps in Q4-2026 and 7 bps in Q1-2026) Standalone segment-wise PBT Profit before tax FY2026 Q1-2026 Q4-2026 Q1-2027 (₹ billion) Retail 232.44 47.35 69.27 62.39 Wholesale 244.89 53.87 70.37 74.79 Treasury 172.30 62.61 37.42 48.22 Others 12.56 5.48 3.97 5.86 Total 662.19 169.31 181.03 191.26 Balance sheet growth Outstanding deposits (₹ billion) % share at Jun 30, Mar 31, Jun 30, Y-o-Y Q-o-Q Jun 30, 2025 2026 2026 growth growth 2026 CASA 6,628.13 7,435.87 7,242.56 9.3% (2.6)% 39.5% - Current 2,169.71 2,679.81 2,478.86 14.2% (7.5)% 13.5% - Savings 4,458.42 4,756.06 4,763.70 6.8% 0.2% 26.0% Term 9,457.04 10,510.38 11,093.30 17.3% 5.5% 60.5% Total deposits 16,085.17 17,946.25 18,335.86 14.0% 2.2% 100.0% Balance sheet-liabilities: slide 44-45 Consolidated balance sheet: slide 46 Extensive franchise: slide 47 Average deposits Y-o-Y Q-o-Q (₹ billion) Q1-2026 Q4-2026 Q1-2027 growth growth CASA 5,939.09 6,359.38 6,657.75 12.1% 4.7% Term 9,393.32 10,108.53 10,822.53 15.2% 7.1% Total deposits 15,332.41 16,467.91 17,480.28 14.0% 6.1% Average CASA ratio 38.7% 38.6% 38.1% Loan portfolio Jun 30, Mar 31, Jun 30, Y-o-Y Q-o-Q % share at (₹ billion) 2025 2026 2026 growth growth Jun 30, 20263 Retail 7,205.40 7,851.57 8,067.48 12.0% 2.7% 49.2% Rural loans 771.51 983.76 1,044.49 35.4% 6.2% 6.4% Business banking1 2,730.83 3,276.65 3,501.56 28.2% 6.9% 21.4% Domestic corporate and 2,757.32 3,055.40 3,266.31 18.5% 6.9% 19.9% others Total domestic book 13,465.06 15,167.38 15,879.84 17.9% 4.7% 96.9% (gross o [Showing first 8,000 characters — download PDF for full document]