ICICI Bank Limited (IBN) Balance Sheet

NYSE: IBNAssets, liabilities, debt and equity over 10 years.

IBN balance sheet, FY2026

March 31, 2026 · Indian rupees

₹29.14T assets = ₹25.35T liabilities + ₹3.80T equity

What it owns₹29.14TCash & ST investments: ₹2.65T (9.1%)₹2.65TReceivables: ₹236.60B (0.8%)PP&E: ₹174.20B (0.6%)Goodwill & intangibles: ₹105.50B (0.4%)LT investments: ₹8.71T (29.9%)LT investments₹8.71T · 30%Other non-current: ₹17.51T (60.1%)Other non-current₹17.51T · 60%=How it is financed₹29.14TCurrent liabilities: ₹18.30T (62.8%)Current liabilities₹18.30T · 63%Long-term debt: ₹2.20T (7.6%)Long-term debt ₹2.20TOther LT liabilities: ₹4.85T (16.6%)Other LT liabilities₹4.85T · 17%Shareholders’ equity: ₹3.80T (13.0%)Shareholders’ equity₹3.80T · 13%

Both columns are drawn to the same scale: what IBN owns equals what it owes plus shareholders’ equity. Hover a block for its value.

IBN financial health

Debt / equity0.61
Moderate leverage · ₹0.61 of debt for each $1 of equity
Cash / debt120.3%
Cash covers debt · cash & short-term investments vs total debt
Goodwill & intangibles0.4%
Mostly tangible · of total assets

Descriptive bands, not a rating. Fiscal FY2026.

IBN balance sheet trends, FY2017–FY2026

MetricTrendThenLatestChange
Total assets₹9.86TFY2017₹29.14TFY2026+12.8%/yr
Total liabilities₹8.77TFY2017₹25.35TFY2026+12.5%/yr
Shareholders’ equity₹1.09TFY2017₹3.63TFY2026+14.2%/yr
Cash & short-term investments₹1.06TFY2017₹2.65TFY2026+10.7%/yr
Total debt₹1.88TFY2017₹2.20TFY2026+1.8%/yr
Net cash (debt)−₹823.01BFY2017₹447.16BFY2026+₹1.3T
Working capital₹1.09TFY2017−₹15.65TFY2026−₹16.7T
Debt / equity1.72FY20170.61FY2026−1.11
Shares outstanding3.21BFY20173.62BFY2026+1.3%/yr

Change is the average annual growth (CAGR) or the difference between the first and latest year.

IBN assets

Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current

IBN liabilities and equity

Current liabilitiesLong-term debtOther long-term liabilitiesEquity

IBN debt vs cash

Total debtCash & ST investmentsNet cash (debt)

Debt includes short- and long-term borrowings and, where reported, lease obligations.

IBN balance sheet in Indian rupees

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Assets
Cash & short-term investments₹2.65T₹2.38T₹1.90T₹2.14T₹1.48T₹1.82T₹1.18T₹582.36B₹1.18T₹1.06T
Cash & equivalents₹2.65T₹2.38T₹1.90T₹1.83T₹1.48T₹1.82T₹873.91B₹873.91B₹1.18T₹1.06T
Short-term investments—₹937.83B₹1.65T−₹20,000−₹20,000−₹391.61B₹53,000−₹291.55B₹0₹0
Receivables₹236.60B₹701.77B₹709.34B₹108.39B₹110.63B₹452.67B₹98.04B₹98.04B₹89.30B₹72.63B
Inventory₹0₹0−₹2.34T−₹1.52T−₹1.94T−₹1.75T−₹1.46T−₹1.18T−₹979.29B−₹877.54B
Other current assets₹0₹10.73B₹2.35T₹1.52T₹1.94T₹1.75T₹1.46T₹1.08T₹979.29B₹877.54B
Total current assets₹2.65T₹3.10T₹2.62T₹2.24T₹1.59T₹2.27T₹1.28T₹582.36B₹1.27T₹1.13T
Property, plant & equipment (net)₹174.20B₹158.12B₹132.40B₹106.05B₹108.09B₹108.09B₹96.60B₹96.60B₹94.65B₹93.38B
Goodwill & intangible assets₹105.50B₹84.59B₹24.74B₹1.01B₹1.08B₹1.08B₹1.23T₹1.10B₹1.12B₹1.13B
Long-term investments₹8.71T₹8.86T₹8.27T₹6.40T₹5.67T₹5.37T₹4.43T₹3.98T₹3.72T₹3.05T
Other non-current assets₹17.51T₹14.22T₹12.59T₹8.78T₹8.37T₹7.99T₹5.35T₹7.73T₹7.32T₹5.59T
Total assets₹29.14T₹26.42T₹23.64T₹17.53T₹15.74T₹15.74T₹12.39T₹12.39T₹12.41T₹9.86T
Liabilities
Accounts payable₹42.05B₹42.15B₹38.99B₹27.52B₹24.83B₹24.83B₹36.65B₹36.65B₹35.90B₹35.01B
Short-term debt—₹226.22B₹172.96B₹90.35B₹42.19B₹42.19B₹19.10B₹19.10B₹12.90B₹12.07B
Deferred revenue——−₹38.99B————−₹3.37T−₹3.26T−₹2.77T
Total current liabilities₹18.30T₹16.73T₹14.69T₹117.88B₹67.02B₹9.70T₹55.74B₹533.26B₹48.80B₹47.08B
Long-term debt₹2.20T₹2.19T₹1.90T₹1.89T₹1.53T₹1.40T₹2.11T₹2.08T₹2.28T₹1.87T
Lease obligations———————₹0₹0₹0
Other long-term liabilities₹4.85T₹4.22T₹4.35T₹0₹0₹2.97T₹0₹0₹0₹0
Total liabilities₹25.35T₹23.13T₹20.94T₹15.65T₹14.07T₹14.07T₹11.18T₹11.18T₹11.24T₹8.77T
Shareholders' equity
Common stock & paid-in capital₹14.32B₹14.25B₹14.05B₹13.90B₹13.83B₹13.83B₹12.89B₹12.89B₹12.86B₹11.65B
Retained earnings (deficit)₹1.48T₹3.10T₹898.26B₹1.42T₹1.11T₹889.39B₹695.46B₹618.56B₹214.74B₹215.05B
Treasury stock———————₹0₹0₹0
Accumulated other comprehensive income₹3.59T₹3.10T₹2.53T₹1.80T₹1.56T₹1.56T₹1.13T₹1.13T₹1.09T₹1.03T
Minority interest₹165.11B₹148.37B₹138.88B₹66.87B———₹0₹0₹0
Total shareholders' equity₹3.63T₹3.14T₹2.56T₹1.88T₹1.67T₹1.58T₹1.21T₹1.21T₹1.17T₹1.09T
Key figures
Total debt₹2.20T₹2.04T₹2.01T₹1.98T₹1.57T₹1.40T₹2.13T₹2.10T₹2.29T₹1.88T
Net cash (debt)₹447.16B₹346.55B−₹108.69B₹154.58B−₹92.16B₹412.70B−₹941.56B−₹1.52T−₹1.12T−₹823.01B
Working capital−₹15.65T−₹13.63T−₹12.07T₹2.13T₹1.52T−₹7.43T₹1.23T₹49.10B₹1.22T₹1.09T
Tangible book value₹3.53T₹3.05T₹2.54T₹1.88T₹1.67T₹1.57T−₹21.26B₹1.21T₹1.17T₹1.09T
Shares outstanding3.62B3.59B3.57B3.54B3.42B3.42B3.26B3.26B3.24B3.21B
Current ratio0.140.190.1819.0423.670.2322.991.0925.9624.05
Quick ratio0.160.180.1819.0423.670.2322.991.2825.9624.05
Debt / equity0.610.650.781.050.940.891.761.741.971.72
Equity / assets12.5%11.9%10.8%10.7%10.6%10.0%9.8%9.8%9.4%11.1%

Quarterly columns are labeled by the month the quarter ended. Figures in Indian rupees as reported (latest annual report filed July 20, 2026); data from EODHD.

IBN financial position

At the end of fiscal 2026 (March 31, 2026), ICICI Bank had total assets of ₹29.14 trillion (up 10.3% from a year earlier), total liabilities of ₹25.35 trillion and shareholders' equity of ₹3.63 trillion. It held ₹2.65 trillion in cash and short-term investments against ₹2.20 trillion of debt, a net cash position of ₹447.2 billion. Its current ratio was 0.14. In the latest quarter (ended June 30, 2026) total assets were ₹30.02 trillion and equity ₹3.81 trillion.

Related: IBN income statement, IBN cash flow statement, IBN key metrics. See the IBN stock overview for the latest quote and news.

IBN balance sheet FAQ

What are ICICI Bank's total assets?

ICICI Bank reported total assets of ₹29.14 trillion at the end of fiscal 2026 (March 31, 2026), compared with ₹26.42 trillion a year earlier.

How much debt does ICICI Bank have?

ICICI Bank had ₹2.20 trillion of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.61.

How much cash does ICICI Bank have?

ICICI Bank held ₹2.65 trillion in cash and short-term investments at the end of fiscal 2026; with ₹2.20 trillion of debt that is net cash of ₹447.2 billion.

What is ICICI Bank's book value?

ICICI Bank's shareholders' equity (book value) was ₹3.63 trillion at the end of fiscal 2026.

What is ICICI Bank's current ratio?

ICICI Bank had current assets of ₹2.65 trillion and current liabilities of ₹18.30 trillion, a current ratio of 0.14 (current liabilities exceed current assets).

How much goodwill does ICICI Bank have?

ICICI Bank carried ₹105.5 billion of goodwill and intangible assets, 0.4% of total assets, at the end of fiscal 2026.

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