ICICI Bank Ltd
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ICICI Bank Ltd
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ICICI Bank Ltd
ICICI Bank is one of India’s large commercial banks. It takes deposits from customers and lends money to individuals, businesses, and institutions. It also sells everyday banking products such as savings and current accounts, home and car loans, personal loans, credit cards, and business banking services, along with payment, cash management, and trade finance services. Its main customers are retail households, small and mid-sized businesses, large companies, and other financial institutions. The bank makes money mainly by charging interest on loans, earning fees on card usage and account services, and collecting commissions from payments, insurance distribution, and other banking transactions. It also earns from treasury and investment activities tied to managing its balance sheet. What makes ICICI Bank’s business model easy to understand is that it sits at the center of financial activity: it gathers low-cost deposits and turns them into loans and payment services. That gives it a broad role in the Indian financial system, because it helps people save, borrow, spend, and move money while giving businesses access to working capital and long-term funding.
ICICI Bank is one of India’s large commercial banks. It takes deposits from customers and lends money to individuals, businesses, and institutions. It also sells everyday banking products such as savings and current accounts, home and car loans, personal loans, credit cards, and business banking services, along with payment, cash management, and trade finance services.
Its main customers are retail households, small and mid-sized businesses, large companies, and other financial institutions. The bank makes money mainly by charging interest on loans, earning fees on card usage and account services, and collecting commissions from payments, insurance distribution, and other banking transactions. It also earns from treasury and investment activities tied to managing its balance sheet.
What makes ICICI Bank’s business model easy to understand is that it sits at the center of financial activity: it gathers low-cost deposits and turns them into loans and payment services. That gives it a broad role in the Indian financial system, because it helps people save, borrow, spend, and move money while giving businesses access to working capital and long-term funding.
Profit growth: ICICI Bank reported strong Q4 and FY 2026 profit growth, with profit before tax excluding treasury up 10.1% year-on-year in the quarter to INR 182.09 billion and profit after tax up 8.5% to INR 137.02 billion.
Loan momentum: Loan growth remained strong, with the overall loan portfolio up 15.8% year-on-year and 6% sequentially, led by rural, business banking and mortgages.
Deposits: Deposits grew 11.4% year-on-year and 8.1% sequentially, and management said liquidity remained comfortable with average LCR around 126%.
Asset quality: Credit quality stayed very healthy, with net NPA ratio improving to 0.33% and quarterly provisions only INR 0.96 billion, helped by lower retail slippages and higher corporate recoveries.
Margins: Net interest margin was 4.32%, flat versus FY 2025, and management said margins are likely to stay broadly range-bound from here.
Outlook: Management did not give a specific growth forecast, but said it remains focused on risk-calibrated profitable growth while monitoring macro uncertainty, including the West Asia conflict.
Management
Sandeep Bakhshi is a prominent Indian banker and the Managing Director and Chief Executive Officer (CEO) of ICICI Bank Limited, one of India's largest private sector banks. With a career spanning over three decades at ICICI, Bakhshi has extensive experience in the banking and financial services industry. Bakhshi holds a Bachelor of Engineering (B.E.) degree in Mechanical Engineering. He furthered his education with a Postgraduate Degree in Management from Xavier Labour Relations Institute (XLRI) in Jamshedpur, India, one of the country’s premier business schools. He began his career with ICICI in 1986 and has held various significant positions within the organization. Before his appointment as CEO in October 2018, he served as the Chief Operating Officer (COO) of the bank. Prior to being the COO, Bakhshi was the Managing Director and CEO of ICICI Prudential Life Insurance Company, a subsidiary of ICICI Bank, where he played a vital role in strengthening the leadership position of the company in the Indian life insurance sector. His tenure as CEO of ICICI Bank has been marked by a focus on technological advancement, customer-centricity, and a commitment to ethical banking practices. Bakhshi is known for his strategic vision, leadership skills, and ability to navigate complex financial challenges, making him a well-respected figure in the banking industry.
Bakhshi holds a Bachelor of Engineering (B.E.) degree in Mechanical Engineering. He furthered his education with a Postgraduate Degree in Management from Xavier Labour Relations Institute (XLRI) in Jamshedpur, India, one of the country’s premier business schools.
He began his career with ICICI in 1986 and has held various significant positions within the organization. Before his appointment as CEO in October 2018, he served as the Chief Operating Officer (COO) of the bank. Prior to being the COO, Bakhshi was the Managing Director and CEO of ICICI Prudential Life Insurance Company, a subsidiary of ICICI Bank, where he played a vital role in strengthening the leadership position of the company in the Indian life insurance sector.
His tenure as CEO of ICICI Bank has been marked by a focus on technological advancement, customer-centricity, and a commitment to ethical banking practices. Bakhshi is known for his strategic vision, leadership skills, and ability to navigate complex financial challenges, making him a well-respected figure in the banking industry.
Anindya Banerjee is a distinguished executive at ICICI Bank Ltd., where he has made significant contributions to the bank's success. He holds the position of Executive Director and Chief Financial Officer (CFO), playing a pivotal role in shaping the financial strategy and management of one of India’s largest private sector banks. With his extensive experience in finance and banking, Anindya has been instrumental in overseeing financial planning, risk management, and regulatory compliance within the bank. Throughout his tenure, he has demonstrated strong leadership skills and a deep understanding of the financial sector, helping ICICI Bank maintain its competitive edge. Anindya's strategic initiatives have supported the bank's efforts in scaling operations and optimizing financial performance. His leadership has been critical in navigating the ever-evolving banking landscape, ensuring that ICICI Bank remains at the forefront of innovation and financial stability. In addition to his role as CFO, Anindya Banerjee is known for his involvement in various industry forums and his contributions to developing financial policies that benefit the banking industry as a whole. His expertise and vision continue to be valuable assets to ICICI Bank and the broader financial community.
Throughout his tenure, he has demonstrated strong leadership skills and a deep understanding of the financial sector, helping ICICI Bank maintain its competitive edge. Anindya's strategic initiatives have supported the bank's efforts in scaling operations and optimizing financial performance. His leadership has been critical in navigating the ever-evolving banking landscape, ensuring that ICICI Bank remains at the forefront of innovation and financial stability.
In addition to his role as CFO, Anindya Banerjee is known for his involvement in various industry forums and his contributions to developing financial policies that benefit the banking industry as a whole. His expertise and vision continue to be valuable assets to ICICI Bank and the broader financial community.
Ajay Kumar Gupta is a notable executive at ICICI Bank Ltd., holding the professional qualifications of a Bachelor of Commerce (B.Com) and a Chartered Accountant (CA). His expertise in finance and banking is bolstered by his strong academic background and professional training. At ICICI Bank Ltd., Ajay Kumar Gupta has served in various capacities, contributing to the bank's strategic initiatives and financial operations. His role involves overseeing crucial aspects of the bank’s financial management, ensuring regulatory compliance, and driving growth strategies that align with organizational goals. Gupta's leadership style is characterized by a focus on innovation and operational efficiency, enabling ICICI Bank to maintain its competitive edge in the financial services sector. His work has been integral to developing financial products and enhancing customer service through digital banking innovations. Gupta's efforts have been recognized internally and externally, highlighting his contribution to both the institution and the broader financial industry. His professional journey exhibits a blend of strategic insight and financial acumen, making him a key figure in ICICI Bank's continued success.
At ICICI Bank Ltd., Ajay Kumar Gupta has served in various capacities, contributing to the bank's strategic initiatives and financial operations. His role involves overseeing crucial aspects of the bank’s financial management, ensuring regulatory compliance, and driving growth strategies that align with organizational goals.
Gupta's leadership style is characterized by a focus on innovation and operational efficiency, enabling ICICI Bank to maintain its competitive edge in the financial services sector. His work has been integral to developing financial products and enhancing customer service through digital banking innovations.
Gupta's efforts have been recognized internally and externally, highlighting his contribution to both the institution and the broader financial industry. His professional journey exhibits a blend of strategic insight and financial acumen, making him a key figure in ICICI Bank's continued success.
Laxminarayan Achar is a notable executive associated with ICICI Bank Ltd. Holding the position of General Manager, Achar has played a significant role in the bank's operations. With a strong background in banking and finance, he has contributed to various initiatives that emphasize customer service, innovation, and operational efficiency. His leadership within ICICI Bank is characterized by strategic planning and a focus on sustainable growth, ensuring that the bank maintains its competitive edge in India's dynamic financial sector. Achar's expertise and insights have been instrumental in driving the bank's projects and initiatives forward.
Prasanna Balachander is a prominent executive associated with ICICI Bank Ltd, one of India’s leading private sector banks. He plays a crucial role in shaping the bank's strategies and operations, particularly in the realm of financial markets. As a part of ICICI Bank's leadership, Prasanna is responsible for managing and overseeing various aspects of treasury operations, which include fixed income, currency, and interest rate trading. With extensive experience in the banking and finance industry, Prasanna Balachander has contributed significantly to the bank's growth and reputation in handling complex financial products and market strategies. His expertise in these fields ensures that ICICI Bank remains at the forefront of financial innovation and risk management. Under his leadership, ICICI Bank has continued to strengthen its position in the financial markets, leveraging his insights and strategies to enhance the bank's trading and investment operations. Prasanna's work not only focuses on achieving financial goals but also emphasizes maintaining strong compliance and governance standards, ensuring sustainable growth for the bank. His career highlights include implementing effective risk management frameworks and advancing the bank's product offerings, which have collectively cemented his reputation as a key figure in the financial sector. As a thought leader, Prasanna frequently engages in discourse related to economic trends, financial markets, and investment strategies, both within the bank and the broader industry.
With extensive experience in the banking and finance industry, Prasanna Balachander has contributed significantly to the bank's growth and reputation in handling complex financial products and market strategies. His expertise in these fields ensures that ICICI Bank remains at the forefront of financial innovation and risk management.
Under his leadership, ICICI Bank has continued to strengthen its position in the financial markets, leveraging his insights and strategies to enhance the bank's trading and investment operations. Prasanna's work not only focuses on achieving financial goals but also emphasizes maintaining strong compliance and governance standards, ensuring sustainable growth for the bank.
His career highlights include implementing effective risk management frameworks and advancing the bank's product offerings, which have collectively cemented his reputation as a key figure in the financial sector. As a thought leader, Prasanna frequently engages in discourse related to economic trends, financial markets, and investment strategies, both within the bank and the broader industry.
As of the latest information available, Akshay Chaturvedi is the Chief Human Resource Officer (CHRO) at ICICI Bank. In this role, he is responsible for overseeing the bank’s human resource strategies and initiatives, focusing on talent acquisition, development, and retention to support the bank's growth and strategic objectives. Akshay Chaturvedi has played a vital role in implementing HR practices that align with the bank’s goals, fostering a positive and engaging work environment for employees. His leadership in human resources contributes significantly to maintaining ICICI Bank's competitive edge in the banking sector.
