Analysts/Institutional Investor Meet/Con. Call Updates

July 23, 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, Please find attached the transcripts of the call with media and of earnings call with analysts and investors on the financial results for the quarter ended June 30, 2026. The same have also been uploaded on the website of the Bank and can be accessed at the below links: Sr. Particulars Link 1. Transcript of the Media https://www.icici.bank.in/about-us/news- Conference Call room/2026/interaction-with-media-on-icici- banks-financial-performance-in-the-quarter- ended-june-30-2026 2. Transcript of the Earnings Call https://www.icici.bank.in/about-us/qfr with Analysts and Investors This is for your records and information. Yours sincerely, For ICICI Bank Limited Vivek Ranjan Leadership Team Encl.: as above Copy to- I (iii) Singapore Stock Exchange (i) New York Stock Exchange (NYSE) ( (iv) SIX Swiss Exchange Ltd. (ii) Japan Securities Dealers Association @ ICICI Bank Limited +91-22 4008 8900 @ Regd. Office: ICICI Bank Towers, ~ companysecrctary@icici.bonk.in ICICI Bank Tower, Bandra-Kurla Complex, CIN: L65190GJ 1994PLC021012 N or Chaldl Clrcl , Old Padro Road. M mbal - 400 0 1 e www.iclci.bank.in Vododaro, Gujarat 390 007 ICICI Bank Limited Media conference call for quarter ended June 30, 2026 On 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 nonperforming 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. This release does not constitute an offer of securities. Moderator: 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: Thank you. Good evening, everyone, and thank you all for joining us today. I know it is going to be a busy afternoon for all of you. Amidst the global uncertainties, the Indian economy continues to be resilient as reflected by high frequency indicators, backed by various initiatives taken by the policy makers. We continue to monitor the developments closely and remain focussed 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 micromarkets. 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 key drivers for our risk calibrated profitable growth. Page 1 of 18 Our Board has approved the financial results of ICICI Bank for the quarter ended June 30, 2026. I would like to highlight some key numbers: First, moving on to profit and capital A. Profit and capital 1. Net interest income grew by 12.7% year-on-year to ₹24,384 crore in Q1-2027 2. Net interest margin was 4.36% in Q1-2027 compared to 4.32% in Q4-2026 3. Fee income grew by 23.5% year-on-year to ₹7,286 crore in Q1-2027 4. Operating expenses grew by 10.4% year-on-year to ₹12,574 crore in Q1-2027 5. Core operating profit grew by 15.6% year-on-year to ₹20,235 crore in Q1-2027 6. Core operating profit excluding dividend from subsidiaries grew by 18.3% year- on-year to ₹19,125 crore in Q1-2027 7. Provisions (excluding provision for tax) were ₹1,260 crore in Q1-2027 8. Profit before tax excluding treasury grew by 20.9% year-on-year to ₹18,975 crore in Q1-2027 9. Profit after tax grew by 15.9% year-on-year to ₹14,805 crore in Q1-2027 10. Standalone RoE was 17.1% in Q1-2027 11. At June 30, 2026, the Bank had net worth of about ₹3.5 lakh crore. CET-1 ratio was 16.19% and total capital adequacy ratio was 16.84% at June 30, 2026 Moving on to deposit growth B. Deposit growth 1. Total period-end deposits increased by 14.0% year-on-year and 2.2% quarter-on- quarter at June 30, 2026 2. Average deposits increased by 14.0% year-on-year and 6.1% sequentially during Q1-2027 3. Average current and savings account deposits increased by 12.1% year-on-year 4. The Bank opened 97 branches during Q1-2027 and had a network of 7,608 branches and 12,190 ATMs and cash recycling machines at June 30, 2026 Moving on to loan growth C. Loan growth 1. The total loan portfolio grew by 19.6% year-on-year and 5.0% quarter-on-quarter at June 30, 2026 2. The retail loan portfolio grew by 12.0% year-on-year. Including non-fund outstanding, the retail loan portfolio was 41.1% of the total portfolio. The mortgage portfolio grew by 14.6% year-on-year. The personal loan portfolio grew by 12.9% year-on-year. The credit card portfolio declined by 1.9% year-on-year. The rural portfolio grew by 35.4% year-on-year. The business banking portfolio grew by 28.2% year-on-year. Growth in the domestic corporate portfolio was 18.5% year-on-year at June 30, 2026 3. About 71.9% of the corporate loan portfolio was rated ‘A- and above’ at June 30, 2026 Page 2 of 18 Now, moving to asset quality D. Asset Quality 1. Net NPA ratio was 0.35% at June 30, 2026 compared to 0.33% at March 31, 2026 and 0.41% at June 30, 2025 2. During Q1-2027, there were net additions to gross NPAs of ₹2,707 crore 3. Gross NPA additions were ₹5,552 crore in Q1-2027. Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹2,845 crore in Q1-2027 4. Gross NPAs written off were ₹1,673 crore in Q1-2027 5. There was sale of NPAs of ₹239 crore for cash in the current quarter 6. Provisioning coverage ratio on non-performing loans was 74.7% at June 30, 2026 7. Total fund based outstanding to all borrowers under resolution as per the various extant regulations was ₹1,363 crore 8. Loans and non-fund based outstanding to performing corporate borrowers rated BB and below were ₹3,485 crore at June 30, 2026 9. The total provisions during Q1-2027 were ₹1,260 crore or 6.2% of core operating profit and 0.32% of average advances 10. The Bank continues to hold contingen [Showing first 8,000 characters — download PDF for full document]