ICICI Bank Q3: Profit Miss, Asset Quality Shines – Market at a Crossroads!

reported a mixed Q3 performance. Standalone net profit declined 4% YoY to ₹11,318 crore, missing estimates of ₹12,391 crore. However, operational strength remained intact as Net Interest Income grew 7.7% YoY to ₹21,932 crore, with NIM steady at a healthy 4.30%. Asset quality continued to improve, with Gross NPA easing to 1.53% and Net NPA to 0.37%, both better than estimates and sequential levels. That said, higher provisions at ₹2,556 crore and rising operating expenses weighed on profitability. Notably, the stock has been in the red for the last two sessions. How do you think ICICI Bank’s stock price will react on Monday, 19 Jan 2026? 📊 📌 Disclaimer: This content is for information only and not investment advice. Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Please consult a SEBI-registered advisor before making any investment decisions. I, Akhilesh Jat (SEBI Registered Research Analyst – INH000016649), do not have any position in the mentioned scrip.