Earnings call briefFiscal second-quarter 2027
ICICI Bank says it expects margins to moderate in the fiscal third quarter
Anindya Banerjee said margins should recover from the fiscal fourth quarter, even assuming no further rate hikes.
GetSignal ICICI Bank IBN
On its fiscal second-quarter 2027 call, ICICI Bank said the full effect of a larger term deposit base and a higher share of overseas assets would show in the fiscal third quarter, with margins moderating further.
Banerjee said that, adjusted for one-off corporate recoveries, standard asset provisions on loans against FCNR (B) deposits and seasonality of KCC provisioning, normalized credit cost to advances would be about 50 basis points.
Quotes from the call
“Adjusting for one-off corporate recoveries, standard asset provision on loans provided against FCNR (B) deposits and seasonality of KCC provisioning, the normalized credit cost to advances would be about 50 basis points.”
Key facts from the call
- Normalized credit cost to advances
- About 50 basis points
- Margin outlook
- Further moderation in the fiscal third quarter, recovery from the fiscal fourth quarter
Source: ICICI Bank's fiscal second-quarter 2027 earnings call, October 17, 2026.
Written by GetSignal with AI from the company's earnings call.
Not investment advice.
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