ICICI Bank Ltd.
ICICIBANKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
5 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 5 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20211027 | 2021-09-30 | yes | |
| TRANSCRIPT | 20220131 | 2021-12-31 | yes | |
| TRANSCRIPT | 20220429 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220727 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221028 | 2022-09-30 | yes | |
| ANALYST_MEET | 20251024 | 2025-09-30 | yes | |
| ANALYST_MEET | 20260723 | 2026-06-30 | yes |
ICICIBANK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 1,334.50 |
| 52-week range | 1205.9 – 1463.1 |
| Return 1M | -6.2% |
| Return 3M | -3.82% |
| Return 1Y | -3.49% |
| Return 3Y | 39.54% |
| Return 5Y | 84.59% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 52,241.00 |
| Interest on advances and bills | 37,183.00 |
| Income on investments | 12,371.00 |
| Interest on balances with the RBI and interbank funds | 1,259.00 |
| Other interest | 1,428.00 |
| Interest expended | 23,064.00 |
| Other income | 27,448.00 |
| Total income | 79,689.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | not disclosed | — |
| institutions foreign | 0.50 | 0.15 |
| institutions domestic | 0.42 | 0.02 |
| mutual funds | 0.30 | 0.02 |
| public | 1.00 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| ANALYST_MEET | 2026-06-30 | 2 |
| TRANSCRIPT | 2022-09-30 | 5 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Net cash from operating activities | 203.00 | 157,284.00 | 45,099.00 | 122,805.00 | -17,361.00 | 67,325.00 |
| Net cash from investing activities | -3,472.00 | -145,931.00 | -49,434.00 | -77,288.00 | -18,807.00 | -13,014.00 |
| Net cash from financing activities | -4,160.00 | 13,765.00 | 5,900.00 | 5,589.00 | -10,746.00 | -4,661.00 |
| Purchase of property, plant and equipment | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net increase in cash | -7,355.00 | 25,541.00 | 1,616.00 | 51,255.00 | -46,455.00 | 50,957.00 |
| con:CFO.BEFORE_TAX | 5,317.00 | 170,628.00 | 53,458.00 | 140,922.00 | -11,542.00 | 83,873.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 5,114.00 | 13,344.00 | 8,359.00 | 18,116.00 | 5,819.00 | 16,548.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 1,624.00 | 142,322.00 | 46,687.00 | 72,583.00 | 16,784.00 | 9,467.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | -1,848.00 | -3,609.00 | -2,747.00 | -4,705.00 | -2,023.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 26,159.00 | 38,938.00 | 40,865.00 | 42,607.00 | 44,582.00 | 46,326.00 | 47,037.00 | 48,387.00 | 49,080.00 | 48,181.00 | 48,364.00 | 49,594.00 | 52,241.00 |
| Interest on advances and bills | 18,454.00 | 28,501.00 | 30,031.00 | 30,970.00 | 31,756.00 | 33,141.00 | 33,800.00 | 34,547.00 | 34,271.00 | 33,975.00 | 34,347.00 | 35,211.00 | 37,183.00 |
| Income on investments | 6,126.00 | 9,280.00 | 9,523.00 | 10,473.00 | 11,666.00 | 11,930.00 | 11,779.00 | 11,928.00 | 12,653.00 | 12,608.00 | 12,290.00 | 12,138.00 | 12,371.00 |
| Interest on balances with the RBI and interbank funds | 563.00 | 700.00 | 681.00 | 687.00 | 718.00 | 836.00 | 822.00 | 1,052.00 | 1,105.00 | 949.00 | 1,006.00 | 1,120.00 | 1,259.00 |
| Other interest | 1,016.00 | 458.00 | 631.00 | 476.00 | 443.00 | 419.00 | 636.00 | 859.00 | 1,050.00 | 648.00 | 722.00 | 1,125.00 | 1,428.00 |
| Interest expended | 11,089.00 | 17,908.00 | 19,409.00 | 20,424.00 | 21,122.00 | 22,225.00 | 22,633.00 | 23,047.00 | 23,090.00 | 22,017.00 | 21,874.00 | 22,047.00 | 23,064.00 |
| Other income | 13,060.00 | 18,354.00 | 18,615.00 | 24,575.00 | 22,688.00 | 26,617.00 | 27,589.00 | 31,361.00 | 25,496.00 | 27,966.00 | 28,418.00 | 35,020.00 | 27,448.00 |
| Total income | 39,218.00 | 57,292.00 | 59,480.00 | 67,182.00 | 67,270.00 | 72,943.00 | 74,627.00 | 79,748.00 | 74,576.00 | 76,147.00 | 76,782.00 | 84,614.00 | 79,689.00 |
| Employee benefit expense | 3,587.00 | 4,662.00 | 4,749.00 | 4,949.00 | 6,166.00 | 5,993.00 | 5,674.00 | 5,797.00 | 6,638.00 | 6,120.00 | 6,243.00 | 6,257.00 | 6,912.00 |
| Operating expenses | 17,007.00 | 23,911.00 | 23,909.00 | 29,906.00 | 28,071.00 | 30,839.00 | 32,242.00 | 36,648.00 | 30,169.00 | 34,155.00 | 34,507.00 | 41,562.00 | 34,021.00 |
| Expenditure excluding provisions and contingencies | 28,096.00 | 41,819.00 | 43,317.00 | 50,330.00 | 49,193.00 | 53,064.00 | 54,876.00 | 59,695.00 | 53,259.00 | 56,173.00 | 56,382.00 | 63,609.00 | 57,085.00 |
| Operating profit before provisions | 11,123.00 | 15,473.00 | 16,162.00 | 16,852.00 | 18,077.00 | 19,878.00 | 19,751.00 | 20,053.00 | 21,317.00 | 19,974.00 | 20,401.00 | 21,005.00 | 22,604.00 |
| Provisions and contingencies | 1,131.00 | 649.00 | 1,020.00 | 698.00 | 1,316.00 | 1,382.00 | 1,268.00 | 940.00 | 1,822.00 | 909.00 | 2,647.00 | 261.00 | 1,297.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 9,992.00 | 14,824.00 | 15,142.00 | 16,154.00 | 16,761.00 | 18,496.00 | 18,483.00 | 19,113.00 | 19,494.00 | 19,065.00 | 17,754.00 | 20,744.00 | 21,307.00 |
| Tax expense | 2,505.00 | 3,809.00 | 3,887.00 | 4,181.00 | 4,355.00 | 4,636.00 | 4,654.00 | 4,789.00 | 5,101.00 | 4,808.00 | 4,343.00 | 5,132.00 | 5,097.00 |
| Profit for the period | 7,487.00 | 11,015.00 | 11,255.00 | 11,973.00 | 12,406.00 | 13,861.00 | 13,829.00 | 14,323.00 | 14,394.00 | 14,256.00 | 13,411.00 | 15,612.00 | 16,210.00 |
| Profit attributable to owners | 7,385.00 | 10,896.00 | 11,053.00 | 11,672.00 | 11,696.00 | 12,948.00 | 12,883.00 | 13,502.00 | 13,558.00 | 13,357.00 | 12,538.00 | 14,755.00 | 15,440.00 |
| Profit attributable to non-controlling interests | 314.00 | 455.00 | 463.00 | 529.00 | 767.00 | 958.00 | 964.00 | 851.00 | 899.00 | 961.00 | 943.00 | 926.00 | 836.00 |
| con:SHARE_OF_ASSOCIATES | 211.00 | 335.00 | 260.00 | 227.00 | 57.00 | 45.00 | 18.00 | 30.00 | 63.00 | 62.00 | 70.00 | 69.00 | 66.00 |
| Earnings per share, basic | 10.62 | 15.57 | 15.77 | 16.63 | 16.64 | 18.39 | 18.26 | 19.11 | 19.02 | 18.71 | 17.54 | 20.62 | 21.54 |
| Earnings per share, diluted | 10.41 | 15.27 | 15.47 | 16.32 | 16.32 | 18.05 | 17.95 | 18.84 | 18.71 | 18.42 | 17.29 | 20.36 | 21.29 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 159,516.00 | 186,331.00 | 195,218.00 |
| Interest on advances and bills | 116,590.00 | 133,244.00 | 137,804.00 |
| Income on investments | 38,107.00 | 47,303.00 | 49,689.00 |
| Interest on balances with the RBI and interbank funds | 2,650.00 | 3,429.00 | 4,181.00 |
| Other interest | 2,169.00 | 2,357.00 | 3,545.00 |
| Interest expended | 74,108.00 | 89,028.00 | 89,029.00 |
| Other income | 76,522.00 | 108,255.00 | 116,900.00 |
| Total income | 236,038.00 | 294,587.00 | 312,118.00 |
| Employee benefit expense | 19,172.00 | 23,630.00 | 25,259.00 |
| Operating expenses | 97,783.00 | 127,800.00 | 140,394.00 |
| Expenditure excluding provisions and contingencies | 171,891.00 | 216,828.00 | 229,422.00 |
| Operating profit before provisions | 64,147.00 | 77,759.00 | 82,696.00 |
| Provisions and contingencies | 3,712.00 | 4,906.00 | 5,639.00 |
| Profit before exceptional items and tax | — | 72,854.00 | 77,057.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 60,434.00 | 72,854.00 | 77,057.00 |
| Tax expense | 15,428.00 | 18,435.00 | 19,384.00 |
| Profit for the period | 45,007.00 | 54,419.00 | 57,673.00 |
| Profit attributable to owners | 44,256.00 | 51,029.00 | 54,208.00 |
| Profit attributable to non-controlling interests | 1,824.00 | 3,540.00 | 3,729.00 |
| con:SHARE_OF_ASSOCIATES | 1,074.00 | 151.00 | 263.00 |
| Earnings per share, basic | 63.19 | 72.41 | 75.89 |
| Earnings per share, diluted | 61.96 | 71.14 | 74.77 |
Balance sheet, as filed
| Line | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Capital | 1,401.00 | 1,405.00 | 1,409.00 | 1,425.00 | 3,746.00 | 4,114.00 |
| Reserves and surplus | 230,483.00 | 268,628.00 | 278,677.00 | 327,318.00 | 348,045.00 | 375,457.00 |
| Deposits | 1,325,253.00 | 1,443,580.00 | 1,529,514.00 | 1,641,637.00 | 1,645,865.00 | 1,830,020.00 |
| Borrowings | 189,710.00 | 207,428.00 | 219,761.00 | 218,883.00 | 215,240.00 | 220,264.00 |
| Other liabilities and provisions | 378,003.00 | 443,023.00 | 487,151.00 | 452,978.00 | 473,590.00 | 484,642.00 |
| Total equity and liabilities | 2,124,850.00 | 2,364,063.00 | 2,516,512.00 | 2,642,241.00 | 2,686,485.00 | 2,914,498.00 |
| Cash and balances with the RBI | 66,270.00 | 89,943.00 | 89,199.00 | 120,241.00 | 79,543.00 | 121,237.00 |
| Balances with banks and money at call | 62,832.00 | 72,826.00 | 75,186.00 | 93,783.00 | 88,025.00 | 143,744.00 |
| Investments | 715,264.00 | 827,163.00 | 874,760.00 | 886,377.00 | 899,798.00 | 870,720.00 |
| Advances | 1,182,109.00 | 1,260,776.00 | 1,360,046.00 | 1,420,664.00 | 1,492,161.00 | 1,644,658.00 |
| Property, plant and equipment | 11,658.00 | 13,240.00 | 14,254.00 | 15,812.00 | 16,562.00 | 17,420.00 |
| Other assets | 86,718.00 | 100,115.00 | 103,066.00 | 105,365.00 | 110,396.00 | 116,719.00 |
| Total assets | 2,124,850.00 | 2,364,063.00 | 2,516,512.00 | 2,642,241.00 | 2,686,485.00 | 2,914,498.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 29,726.00 | 28,551.00 | 27,961.00 | 28,711.00 | 27,122.00 | 27,718.00 | 24,331.00 | 24,939.00 | 24,111.00 | 24,063.00 | 23,427.00 | 24,176.00 |
| Net non-performing assets | 5,536.00 | 5,860.00 | 5,836.00 | 6,160.00 | 6,174.00 | 6,356.00 | 6,155.00 | 6,541.00 | 6,401.00 | 6,309.00 | 6,096.00 | 6,505.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| Domestic institutions | 45.37 | 45.25 | 45.51 | 46.24 | 45.34 | 44.70 | 44.17 | 44.95 | 44.78 | 43.90 | 0.45 | 0.47 | 0.40 | 0.42 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 29.62 | 0.31 | 0.32 | 0.28 | 0.30 |
| Insurance companies | 12.55 | 12.42 | 12.13 | 11.74 | 11.88 | 11.89 | 11.94 | 11.70 | 11.25 | 10.62 | 0.10 | 0.10 | 0.08 | 0.08 |
| Foreign institutions | 44.16 | 44.53 | 44.38 | 43.64 | 44.78 | 45.47 | 46.21 | 45.69 | 45.82 | 46.76 | 0.46 | 0.44 | 0.34 | 0.50 |
| Government | — | — | — | — | — | — | — | — | — | 0.27 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Non-institutional | 10.23 | 9.97 | 9.85 | 9.84 | 9.60 | 9.55 | 9.35 | 9.09 | 9.13 | 9.07 | 0.09 | 0.09 | 0.25 | 0.08 |
| Shares outstanding | 5647615524 | 5644430509 | 5636443490 | 5644742134 | 5647671442 | 5663460301 | 5684792881 | 5741141286 | 5797122701 | 5797851723 | 5806018072 | 5815381576 | 5871542106 | 6023642029 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| ICICI Securities Primary Dealership Limited | Subsidiary of the Bank | Any other transaction, Dividend received, Interest p | 846,751,808,000.00 | 26 |
| ICICI Bank UK PLC | Subsidiary of the Bank | Any other transaction, Dividend received, Interest r | 57,616,738,000.00 | 17 |
| ICICI Bank Canada | Subsidiary of the Bank | Any other transaction | 33,026,022,000.00 | 9 |
| ICICI Home Finance Company Limited | Subsidiary of the Bank | Any other transaction, Dividend received, Interest p | 30,228,439,000.00 | 27 |
| ICICI Lombard General Insurance Company Limited | Subsidiary of the Bank | Any other transaction, Dividend received, Interest p | 18,029,343,000.00 | 22 |
| ICICI Prudential Life Insurance Company Limited | Subsidiary of the Bank | Any other transaction, Dividend received, Interest p | 17,271,291,000.00 | 13 |
| India Infradebt Limited | Associate of the Bank | Any other transaction, Dividend received, Interest r | 16,767,953,000.00 | 16 |
| ICICI Securities Limited | Subsidiary of the Bank | Any other transaction, Dividend received, Interest p | 10,268,610,000.00 | 24 |
| ICICI Bank Limited Provident Fund | Related Party of Subsidiaries | Any other transaction, Interest paid | 6,607,487,000.00 | 6 |
| ICICI Prudential Asset Management Company Limited | Subsidiary of the Bank | Any other transaction, Dividend paid, Dividend recei | 5,306,496,000.00 | 15 |
| I-Process Services (India) Private Limited | Subsidiary of the Bank | Any other transaction, Interest paid | 5,257,910,000.00 | 8 |
| Prudential Corporation Holdings Limited | Related Party of Subsidiaries | Any other transaction, Dividend paid | 4,776,629,000.00 | 4 |
| ICICI Foundation for Inclusive Growth | Related Party of the Bank | Any other transaction, Interest paid | 4,528,458,000.00 | 18 |
| Gratuity Fund of ICICI Bank Limited | Related Party of Subsidiaries | Any other transaction, Interest paid | 3,719,444,000.00 | 8 |
| ICICI Merchant Services Private Limited | Associate of the Bank | Any other transaction, Interest paid | 1,571,801,000.00 | 8 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2022-10-28 | Q2FY23 | Read the call | |
| 2022-07-27 | Q1FY23 | Read the call | |
| 2022-04-29 | Q4FY22 | Read the call | |
| 2022-01-31 | Q3FY22 | Read the call | |
| 2021-10-27 | Q2FY22 | Read the call |
What they said about it, quarter by quarter
| Topic | Q1FY23 | Q2FY22 | Q2FY23 | Q3FY22 | Q4FY22 |
|---|---|---|---|---|---|
| Capex | — | Any comment on corporate capex visibility? | — | — | — |
| Capital allocation | Excluding dividend income from subsidiaries and associates, core operating profit grew by 21.1% year-on-year. | Non-interest income, excluding treasury income, grew by 26.2% year-on-year to 44.00 billion Rupees in Q2 of 2022 Fee income increased by 21.4% year-… | Excluding dividend income from subsidiaries and associates, core operating profit grew by 24.4% year-on-year. | Fees from retail, business banking and SME customers grew by 16.3% year-on-year and constituted about 76% of the total fees in this quarter. Dividen… | First- Growth in the core operating profit in a risk-calibrated manner through the focused pursuit of target market segments The core operating profit… |
| Costs | — | We saw 12 basis point decline in the cost of deposit driven by the 36% year-on- year growth in daily average current account deposits and 25% year-on-… | — | — | — |
| Debt and cash | Recently, the Bank launched a revamped OneSCF, an integrated supply chain platform providing corporate customers, their vendors and dealers with a one… | The builder portfolio including construction finance, lease rental discounting, term loans and working capital loans was 228.14 billion Rupees at Sept… | The builder portfolio including construction finance, lease rental discounting, term loans and working capital was 319.63 billion Rupees at September … | The builder portfolio including construction finance, lease rental discounting, term loans and working capital loans was 257.53 billion Rupees at Dece… | The builder portfolio including construction finance, lease rental discounting, term loans and working capital loans was 269.48 billion Rupees at Marc… |
| Demand | But does the global scenario impact growth 6 months down the line or is there a resilient structural demand? | The underlying economic activity continues to show an upward momentum owing to higher peak power demand, e-way bill generation and rail freight revenu… | So, as Sandeep mentioned, that the recovery from the pandemic in India has been quite strong and that is evidenced in a number of indicators, whether … | This was on the back of improvement in indicators such as power demand, rail freight revenues, e-way bill generation and labour force participation. | Some of the major factors leading to improvement in this index were increase in power demand, rail freight revenues, e-way bill generation and GST col… |
| Guidance | The principles of “Fair to Customer, Fair to Bank” and “One Bank, One RoE” will guide our operations. | We expect the festive season to give further impetus to economic activity. | The principles of “Fair to Customer, Fair to Bank” and “One Bank, One Team, One RoE” will guide our operations. | While the trajectory of the pandemic is still evolving and the recent increase in cases has slowed the pace of economic activities in January, we expe… | I know you don't give any specific guidance, but given intense pricing competition in some segments, unsecured salaried and then even mortgages, do yo… |
| Margin | The net interest margin was 4.01% in this quarter compared to 4.00% in the previous quarter and 3.89% in Q1 of last year. | The net interest margin was at 4.00% in this quarter compared to 3.89% in the previous quarter and 3.57% in Q2 of last year. | The net interest margin was 4.31% in this quarter compared to 4.01% in the previous quarter and 4.00% in Q2 of last year. | The net interest margin was at 3.96% in this quarter compared to 4.00% in the previous quarter and 3.67% in Q3 of last year. | The net interest margin was at 4.00% in this quarter compared to 3.96% in the previous quarter and 3.84% in Q4 of last year. |
| People | — | — | How has been the attrition level at the bank? | — | — |
| Pricing | — | Our retail portfolio has been built based on proprietary data and analytics in addition to bureau checks, utilising the existing customer database for… | Could we catch up on the deposit side pricing? | Our retail portfolio has been built based on proprietary data and analytics in addition to bureau checks, utilising the existing customer database for… | I think in addition to the competitive pricing that you talked about, like you rightly said, it will also be a function of the repo rate movement thro… |
| Revenue growth | — | The growth of the domestic corporate portfolio was 11.5% year-on-year. | As we have said in the past, if in a quarter or two cost growth overshoots even revenue growth, we would not worry about it too much and if we find it… | The growth was driven by disbursements to well-rated corporates and in line with our risk framework. | — |