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 and six months ended September 30, 2026.

October 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 and six months ended September 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-september-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) New York Stock Exchange (ii) Japan Securities Dealers Association (iii) Singapore Stock Exchange (iv) SIX Swiss Exchange Limited ICICI Bank Limited Media conference call for quarter ended September 30, 2026 On 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 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: 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 the consistent actions and initiatives of the policymakers. We continue to monitor the 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 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. Our Board has today approved the financial results of ICICI Bank for the quarter and half-year ended September 30, 2026. I would like to highlight some key numbers: Page 1 of 18 First, moving on to profit and capital A. Profit and capital 1. Net interest income grew by 17.7% year-on-year to ₹25,339 crore in Q2-2027 2. Net interest margin was 4.18% in Q2-2027 compared to 4.36% in Q1-2027. Excluding the benefit of interest on tax refund, the net interest margin would have been 4.28% in Q1-2027 3. Fee income grew by 20.1% year-on-year to ₹7,795 crore in Q2-2027 4. Operating expenses grew by 8.5% year-on-year to ₹12,811 crore in Q2-2027 5. Core operating profit grew by 21.8% year-on-year to ₹20,805 crore in Q2-2027 6. Core operating profit excluding dividend from subsidiaries grew by 25% year-on- year to ₹20,342 crore in Q2-2027 7. Provisions (excluding provision for tax) were ₹851 crore in Q2-2027 8. Profit before tax excluding treasury grew by 23.4% year-on-year to ₹19,954 crore in Q2-2027 9. Profit after tax grew by 20.1% year-on-year to ₹14,843 crore in Q2-2027 10. Standalone RoE was 16.6% in Q2-2027 11. At September 30, 2026, the Bank had net worth of about ₹3.6 lakh crore. CET-1 ratio was 16.01%, and total capital adequacy ratio was 16.68% at September 30, 2026 Moving on to deposit growth B. Deposit growth 1. Total period-end deposits increased by 27.1% year-on-year and 11.8% quarter- on-quarter at September 30, 2026. The Bank has mobilised gross FCNR (B) deposits of about $18 billion, pursuant to Reserve Bank of India’s swap facility 2. Average deposits increased by 21.2% year-on-year and 8% sequentially during Q2-2027 3. Average current and savings account deposits increased by 10.7% year-on-year 4. The Bank opened 145 branches in H1-2027 and had a network of 7,656 branches and 12,143 ATMs and cash recycling machines at September 30, 2026 Moving on to loan growth C. Loan growth 1. The total loan portfolio grew by 30% year-on-year and 12.3% quarter on-quarter at September 30, 2026 2. The retail and rural loan book grew by 14.8% year-on-year. Including non-fund outstanding, the retail loan portfolio was 43% of the total portfolio. The mortgage portfolio grew by 15.3% year-on-year. The personal loan portfolio grew by 16.6% year-on-year. The credit card portfolio declined by 9.7% year-on-year. Jewel loans grew by 79.4% year-on-year. The business banking portfolio grew by 33.8% year- on-year. Growth in the domestic corporate portfolio was 30.6% year-on-year at September 30, 2026 3. About 73.2% of the corporate loan portfolio was rated ‘A- and above’ at September 30, 2026 Page 2 of 18 Now, moving to asset quality D. Asset Quality 1. Net NPA ratio was 0.3% at September 30, 2026 compared to 0.35% at June 30, 2026 and 0.39% at September 30, 2025 2. During Q2-2027, there were net additions to gross NPAs of ₹1,213 crore 3. Gross NPA additions were ₹4,833 crore in Q2-2027. Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹3,620 crore in Q2-2027 4. Gross NPAs written off were ₹1,592 crore in Q2-2027 5. There was sale of NPAs of ₹133 crore for cash in the current quarter 6. Provisioning coverage ratio on non-performing loans was 75% at September 30, 2026 7. Total fund based outstanding to all borrowers under resolution as per the various extant regulations was ₹1,185 crore 8. Loans and non-fund based outstanding to performing corporate borrowers rated BB and below were ₹3,547 crore at September 30, 2026 9. The total provisions during Q2-2027 were ₹851 crore or 4.1% of core operating profit and 0.2% of average advances 10. The Bank continues to hold contingency provision [Showing first 8,000 characters — download PDF for full document]