1. Q3 FY26 Financial Results (Quarter Ended Dec 31, 2025) ICICI Bank reported its Q3 numbers in late January. While the headline profit showed a slight dip, the core operational metrics remained exceptionally strong. Net Profit (Standalone): ₹11,318 Crore, down 4% YoY (vs ₹11,792 Crore in Q3 FY25). The Reality Behind the Drop: The decline was primarily driven by a one-time RBI-mandated provision of ₹1,283 Crore for certain non-compliant agricultural priority sector loans, alongside a ₹145 Crore provision for new labor codes. Excluding these, profit would have grown. Net Interest Income (NII): ₹21,932 Crore, up 7.7% YoY. Core Operating Profit: Grew 6.0% YoY to ₹17,513 Crore. Net Interest Margin (NIM): Maintained a robust 4.30%, reflecting excellent pricing power and a favorable asset mix. 2. Asset Quality & Business Growth Best-in-Class Asset Quality: Gross NPA: Improved further to 1.53% (down from 1.58% QoQ). Net NPA: Dropped to a pristine 0.37%, one of the lowest in the industry. Growth Metrics: Domestic Loan Book: Grew 11.5% YoY, led by strong traction in Business Banking (+22.8% YoY) and Retail loans. Deposits: