ICICI Bank
India's second-largest private bank. Aggressive in digital, deep in corporate banking, and increasingly competitive in retail loans. The most profitable franchise transformation story of the last decade.
Shipping Q2 FY27
ICICI Bank · FY26 story is coming.
We're decoding ICICI's FY26 numbers right now — revenue mix, NIM trajectory, NPA cycle, and competitive position. Drop your email and you'll be first to read it.
What we'll cover
- Retail loan growth
- ROA expansion
- Digital banking
- Subsidiaries
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Background reading
Metrics that drive ICICI's story
NIM (Net Interest Margin)
The spread between what a bank earns on loans and what it pays on deposits. The single most important profitability metric in banking — every basis point moves markets.
Read →GNPA (Gross NPA)
Gross Non-Performing Assets — loans overdue by 90+ days as a % of total advances. The number every credit analyst watches obsessively. Lower is always better.
Read →CASA Ratio
Current Account + Savings Account deposits as a % of total deposits. The higher the CASA ratio, the cheaper a bank's cost of funds — and the stronger its NIM.
Read →NNPA (Net NPA)
Gross NPA minus provisions. The 'real' bad loan number after the bank has set aside reserves. A low NNPA with high PCR = well-provisioned book.
Read →DSCR (Debt Service Coverage Ratio)
Debt Service Coverage Ratio — cash available to service debt ÷ total debt service due. DSCR below 1.0x means the borrower can't service debt from operations.
Read →