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 and six months ended September 30, 2026.

October 17, 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 and six months ended September 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. Yours sincerely, For ICICI Bank Limited Vivek Ranjan Leadership Team Encl. : as above. Copy to: (i) New York Stock Exchange (ii) SIX Swiss Exchange Limited (iii) Singapore Stock Exchange (iv) Japan Securities Dealers Association Q2-2027: Performance review October 17, 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 Q2-2027 Key highlights for Q2-2027 (1/2) • Profit before tax excluding treasury grew by 23.4% y-o-y and 5.2% q-o-q to ₹ 199.54 bn in Q2-2027 • Core operating profit grew by 21.8% y-o-y and 2.8% q-o-q to ₹ 208.05 bn Earnings • Core operating profit excluding dividend from subsidiaries grew by 25.0% y-o-y and 6.4% q-o-q to ₹ 203.42 bn • Profit after tax grew by 20.1% y-o-y to ₹ 148.43 bn in Q2-2027 • Net NPA ratio was 0.30% at Sep 30, 2026 (Jun 30, 2026: 0.35%) • Net additions of ₹ 12.13 bn to gross NPAs in Q2-2027 (Q2-2026: ₹ 13.86 bn) Asset • Provision coverage ratio was 75.0% at Sep 30, 2026 (Jun 30, 2026: 74.7%) quality • Standard, contingency and other provisions of ₹ 238.15 bn (1.3% of advances) • Contingency provisions of ₹ 131.00 bn at Sep 30, 2026 • Excludes additional standard asset provision of ₹ 12.83 billion in respect of agricultural priority sector portfolio • Common Equity Tier 1 ratio of 16.01%1 (Jun 30, 2026: 16.19%1) Capital • Total capital adequacy ratio of 16.68%1 1. Including profits for the period Key highlights for Q2-2027 (2/2) • Period-end total deposits grew by 27.1% y-o-y and 11.8% q-o-q at Sep 30, 2026 • Excluding FCNR (B) deposits, period end total deposits grew by 17.0% y-o- Deposits y and 3.1% q-o-q at Sep 30, 2026 • Average deposits grew by 21.2% y-o-y and 8.0% q-o-q in Q2-2027 • Average current and savings account deposits grew by 10.7% y-o-y and 1.4% q-o-q in Q2-2027 • Total loans grew by 30.0% y-o-y and 12.3% q-o-q • Excluding loans provided by international branches of the Bank against FCNR (B) deposits, total loans grew by 24.1% y-o-y and 7.3% q-o-q Advances • Retail and rural loans grew by 14.8% y-o-y and 3.2% q-o-q • Business banking1 portfolio grew by 33.8% y-o-y and 11.1% q-o-q • Domestic corporate portfolio grew by 30.6% y-o-y and 10.4% q-o-q 1. This portfolio comprises borrowers with turnover of upto ₹ 7.50 bn Financial performance Profit & loss statement Q2- H1- Q1- Q2- H1- Q2-o-Q2 (₹ billion) FY2026 2026 2026 2027 2027 2027 (%) Net interest income1 880.75 215.29 431.64 243.84 253.39 497.23 17.7% Non-interest income 295.60 73.56 146.20 84.25 82.77 167.02 12.5% - Fee income 257.42 64.91 123.91 72.86 77.95 150.81 20.1% - Dividend income from 34.58 8.10 21.46 11.10 4.63 15.73 (42.9)% subsidiaries - Others 3.60 0.55 0.83 0.29 0.19 0.48 (64.4)% Core operating income 1,176.35 288.85 577.84 328.09 336.16 664.25 16.4% Operating expenses 472.34 118.07 232.01 125.74 128.11 253.85 8.5% - Employee expenses 179.75 43.42 90.85 50.05 49.28 99.33 13.5% - Non-employee expenses 292.59 74.65 141.16 75.69 78.83 154.52 5.6% Core operating profit 704.01 170.78 345.83 202.35 208.05 410.40 21.8% Core operating profit 669.43 162.68 324.37 191.25 203.42 394.67 25.0% excluding dividend income 1. Includes interest on tax refund of ₹ 0.14 bn in Q2-2027 (FY2026: ₹ 7.11 bn, Q1-2027: ₹ 4.65 bn, Q2-2026: 0.08 bn) Profit & loss statement ₹ in billion Q2- H1- Q1- Q2- H1- Q2-o-Q2 FY2026 2026 2026 2027 2027 2027 (%) Core operating profit 704.01 170.78 345.83 202.35 208.05 410.40 21.8% Provisions 53.801 9.14 27.29 12.60 8.51 21.11 (7.0)% Profit before tax 650.21 161.64 318.54 189.75 199.54 389.29 23.4% excluding treasury Treasury income 11.98 2.20 14.61 1.51 (2.30) (0.79) - Profit before tax 662.19 163.84 333.15 191.26 197.24 388.50 20.4% Tax 160.72 40.25 81.88 43.21 48.81 92.02 21.3% Profit after tax 501.47 123.59 251.27 148.05 148.43 296.48 20.1% 1. Includes additional standard asset provision of ₹ 12.83 bn made pursuant to Reserve Bank of India’s annual supervisory review Key ratios Q2- H1- Q1- Q2- H1- Percent FY2026 2026 2026 2027 2027 2027 Net interest margin1,2 4.32 4.30 4.32 4.36 4.18 4.27 Cost of deposits 4.62 4.64 4.75 4.41 4.50 4.45 Cost-to-income 39.7 40.6 39.2 38.1 38.4 38.3 Core operating profit/average assets 3.26 3.22 3.28 3.40 3.17 3.28 Provisions/core operating profit 7.6 5.4 7.9 6.2 4.1 5.1 Provisions/average advances 0.38 0.26 0.40 0.32 0.20 0.25 Return on average assets 2.32 2.33 2.38 2.49 2.26 2.37 Standalone return on equity 16.0 16.0 16.6 17.1 16.6 16.9 Weighted average EPS (₹) 70.2 69.2 70.4 82.6 82.7 82.7 Book value (₹) 471.2 436.0 436.0 492.8 502.3 502.3 Yield, cost and margin: slide 44 Consolidated P&L and ratios: slide 45-47 1. Annualised on the basis of ‘number of months’ 2. Impact of interest on tax refund was negligible in Q2-2027 (3 bps in FY2026, 8 bps in Q1-2027 and negligible in Q2-2026) 9 Standalone segment-wise PBT Profit before tax FY2026 Q2-2026 H1-2026 Q1-2027 Q2-2027 H1-2027 (₹ billion) Retail 232.44 63.18 110.53 62.39 77.17 139.56 Wholesale 244.89 57.60 111.47 74.79 79.11 153.90 Treasury 172.30 41.42 104.03 48.22 40.15 88.38 Others 12.56 1.64 7.12 5.86 0.81 6.66 Total 662.19 163.84 333.15 191.26 197.24 388.50 Balance sheet growth Outstanding deposits (₹ billion) Sep 30, Jun 30, Sep 30, Y-o-Y Q-o-Q % share at 2025 2026 2026 growth growth Sep 30, 2026 CASA 6,588.71 7,242.56 7,408.51 12.4% 2.3% 36.1% - Current 2,067.47 2,478.86 2,652.47 28.3% 7.0% 12.9% - Savings 4,521.24 4,763.70 4,756.04 5.2% (0.2%) 23.2% Term 9,539.54 11,093.30 13,090.23 37.2% 18.0% 63.9% Total deposits 16,128.25 18,335.86 20,498.74 27.1% 11.8% 100.0% • Excluding FCNR (B) deposits, period end total deposits grew by 17.0% y-o [Showing first 8,000 characters — download PDF for full document]