Performance Review: Q1----20142014 - ICICI Bank...Performance Review: Q1----20142014 July 31, 2013 2 Certain statements in these slides are forwardCertain statements in these slides

Performance Review: Performance Review: Performance Review: Performance Review: Q1Q1Q1Q1----2014201420142014

July 31, 2013July 31, 2013July 31, 2013July 31, 2013

2

Certain statements in these slides are forwardCertain statements in these slides are forwardCertain statements in these slides are forwardCertain statements in these slides are forward----looking statements. looking statements. looking statements. looking statements. These statements are based on management's current expectations These statements are based on management's current expectations These statements are based on management's current expectations These statements are based on management's current expectations and and and and are subject to uncertainty and changes in circumstances. Actual are subject to uncertainty and changes in circumstances. Actual are subject to uncertainty and changes in circumstances. Actual are subject to uncertainty and changes in circumstances. Actual results results results results may differ materially from those included in these statements dumay differ materially from those included in these statements dumay differ materially from those included in these statements dumay differ materially from those included in these statements due to a e to a e to a e to a variety of factors. More information about these factors is contvariety of factors. More information about these factors is contvariety of factors. More information about these factors is contvariety of factors. More information about these factors is contained in ained in ained in ained in ICICI Bank's filings with the US Securities and Exchange CommissICICI Bank's filings with the US Securities and Exchange CommissICICI Bank's filings with the US Securities and Exchange CommissICICI Bank's filings with the US Securities and Exchange Commission.ion.ion.ion.

All financial and other information in these slides, other than All financial and other information in these slides, other than All financial and other information in these slides, other than All financial and other information in these slides, other than financial financial financial financial and other information for specific subsidiaries where specificaland other information for specific subsidiaries where specificaland other information for specific subsidiaries where specificaland other information for specific subsidiaries where specifically ly ly ly mentioned, is on an unconsolidated basis for ICICI Bank Limited mentioned, is on an unconsolidated basis for ICICI Bank Limited mentioned, is on an unconsolidated basis for ICICI Bank Limited mentioned, is on an unconsolidated basis for ICICI Bank Limited only only only only unless specifically stated to be on a consolidated basis for ICIunless specifically stated to be on a consolidated basis for ICIunless specifically stated to be on a consolidated basis for ICIunless specifically stated to be on a consolidated basis for ICICI Bank CI Bank CI Bank CI Bank Limited and its subsidiaries. Please also refer to the statementLimited and its subsidiaries. Please also refer to the statementLimited and its subsidiaries. Please also refer to the statementLimited and its subsidiaries. Please also refer to the statement of of of of unconsolidated, consolidated and segmental results required by Iunconsolidated, consolidated and segmental results required by Iunconsolidated, consolidated and segmental results required by Iunconsolidated, consolidated and segmental results required by Indian ndian ndian ndian regulations that has, along with these slides, been filed with tregulations that has, along with these slides, been filed with tregulations that has, along with these slides, been filed with tregulations that has, along with these slides, been filed with the stock he stock he stock he stock exchanges in India where ICICI Bankexchanges in India where ICICI Bankexchanges in India where ICICI Bankexchanges in India where ICICI Bank’’’’s equity shares are listed and with s equity shares are listed and with s equity shares are listed and with s equity shares are listed and with the New York Stock Exchange and the US Securities and Exchange the New York Stock Exchange and the US Securities and Exchange the New York Stock Exchange and the US Securities and Exchange the New York Stock Exchange and the US Securities and Exchange Commission, and is available on our website Commission, and is available on our website Commission, and is available on our website Commission, and is available on our website www.icicibank.comwww.icicibank.comwww.icicibank.comwww.icicibank.com

3

Q1Q1Q1Q1----2014: 2014: 2014: 2014: Performance highlights Performance highlights Performance highlights Performance highlights

� 25.3% increase in standalone profit after tax from 25.3% increase in standalone profit after tax from 25.3% increase in standalone profit after tax from 25.3% increase in standalone profit after tax from `̀̀̀18.15 bn in Q118.15 bn in Q118.15 bn in Q118.15 bn in Q1----2013 2013 2013 2013 (April (April (April (April ----June 2012) to June 2012) to June 2012) to June 2012) to `̀̀̀ 22.74 bn 22.74 bn 22.74 bn 22.74 bn in Q1in Q1in Q1in Q1----2014 (April 2014 (April 2014 (April 2014 (April ----June 2013)June 2013)June 2013)June 2013)

� Net interest income increased by 19.6% yearNet interest income increased by 19.6% yearNet interest income increased by 19.6% yearNet interest income increased by 19.6% year----onononon----year; year; year; year; net interest margin improved from 3.01% in net interest margin improved from 3.01% in net interest margin improved from 3.01% in net interest margin improved from 3.01% in Q1Q1Q1Q1----2013 to 3.27% in Q12013 to 3.27% in Q12013 to 3.27% in Q12013 to 3.27% in Q1----2014 2014 2014 2014

� 32.3% increase in consolidated profit after tax from 32.3% increase in consolidated profit after tax from 32.3% increase in consolidated profit after tax from 32.3% increase in consolidated profit after tax from `̀̀̀ 20.77 bn in Q120.77 bn in Q120.77 bn in Q120.77 bn in Q1----2013 to 2013 to 2013 to 2013 to `̀̀̀ 27.47 bn in Q127.47 bn in Q127.47 bn in Q127.47 bn in Q1----2014201420142014

� Consolidated return on equity (Consolidated return on equity (Consolidated return on equity (Consolidated return on equity (annualisedannualisedannualisedannualised) for Q1) for Q1) for Q1) for Q1----2014 at 15.6% compared to 13.3% for Q12014 at 15.6% compared to 13.3% for Q12014 at 15.6% compared to 13.3% for Q12014 at 15.6% compared to 13.3% for Q1----2013201320132013

4

� Advances increased by 12.3% yearAdvances increased by 12.3% yearAdvances increased by 12.3% yearAdvances increased by 12.3% year----onononon----year to year to year to year to `̀̀̀3,013.70 billion at June 30, 20133,013.70 billion at June 30, 20133,013.70 billion at June 30, 20133,013.70 billion at June 30, 2013

� YearYearYearYear----onononon----year growth of 26.6% in organic retail year growth of 26.6% in organic retail year growth of 26.6% in organic retail year growth of 26.6% in organic retail portfolio (excluding buyouts) at June 30, 2013portfolio (excluding buyouts) at June 30, 2013portfolio (excluding buyouts) at June 30, 2013portfolio (excluding buyouts) at June 30, 2013

� Period end CASA ratio at 43.2% at June 30, 2013 Period end CASA ratio at 43.2% at June 30, 2013 Period end CASA ratio at 43.2% at June 30, 2013 Period end CASA ratio at 43.2% at June 30, 2013 compared to 41.9% at March 31, 2013compared to 41.9% at March 31, 2013compared to 41.9% at March 31, 2013compared to 41.9% at March 31, 2013� Average CASA ratio at 39.0% for Q1Average CASA ratio at 39.0% for Q1Average CASA ratio at 39.0% for Q1Average CASA ratio at 39.0% for Q1----2014 compared 2014 compared 2014 compared 2014 compared

to 38.1% for Q4to 38.1% for Q4to 38.1% for Q4to 38.1% for Q4----2013201320132013

� Net NPA ratio of 0.69% at June 30, 2013 (March 31, Net NPA ratio of 0.69% at June 30, 2013 (March 31, Net NPA ratio of 0.69% at June 30, 2013 (March 31, Net NPA ratio of 0.69% at June 30, 2013 (March 31, 2013: 0.64%; June 30, 2012: 0.61%)2013: 0.64%; June 30, 2012: 0.61%)2013: 0.64%; June 30, 2012: 0.61%)2013: 0.64%; June 30, 2012: 0.61%)

� Capital repatriation of CAD 75 million from ICICI Capital repatriation of CAD 75 million from ICICI Capital repatriation of CAD 75 million from ICICI Capital repatriation of CAD 75 million from ICICI Bank Canada during Q1Bank Canada during Q1Bank Canada during Q1Bank Canada during Q1----2014201420142014

Q1Q1Q1Q1----2014: Performance highlights (2/2)2014: Performance highlights (2/2)2014: Performance highlights (2/2)2014: Performance highlights (2/2)

5

Profit & loss statementProfit & loss statementProfit & loss statementProfit & loss statement

36.04

24.0724.0724.0724.07

60.11

0.930.930.930.93

3.403.403.403.40

17.7517.7517.7517.75

22.0822.0822.0822.08

38.03 38.03 38.03 38.03

Q4-

2013

29.49

21.2421.2421.2421.24

50.73

(0.21)(0.21)(0.21)(0.21)

2.542.542.542.54

16.4716.4716.4716.47

18.8018.8018.8018.80

31.9331.9331.9331.93

Q1-

2013

131.99

90.1390.1390.1390.13

222.12

4.954.954.954.95

9.509.509.509.50

69.0169.0169.0169.01

83.4683.4683.4683.46

138.66138.66138.66138.66

FY2013

24.3%63.04Total income

29.3%38.14Operating profit

----4.034.034.034.03---- Treasury incomeTreasury incomeTreasury incomeTreasury income

17.2%17.2%17.2%17.2%

13.4%13.4%13.4%13.4%

8.9%8.9%8.9%8.9%

32.1%32.1%32.1%32.1%

19.6%19.6%19.6%19.6%

Q1-o-Q1

growth

24.9024.9024.9024.90

2.882.882.882.88

17.9317.9317.9317.93

24.8424.8424.8424.84

38.2038.2038.2038.20

Q1-

2014

Operating expensesOperating expensesOperating expensesOperating expenses1111

---- Other incomeOther incomeOther incomeOther income

---- Fee incomeFee incomeFee incomeFee income

NonNonNonNon----interest incomeinterest incomeinterest incomeinterest income

NIINIINIINII

((((`̀̀̀ billion)billion)billion)billion)

1. Includes commissions paid to direct marketing agents (1. Includes commissions paid to direct marketing agents (1. Includes commissions paid to direct marketing agents (1. Includes commissions paid to direct marketing agents (DMAsDMAsDMAsDMAs) for origination of retail ) for origination of retail ) for origination of retail ) for origination of retail loans and lease depreciationloans and lease depreciationloans and lease depreciationloans and lease depreciation

6

Profit & loss statementProfit & loss statementProfit & loss statementProfit & loss statement

25.3%

41.8%41.8%41.8%41.8%

29.7%

27.3%27.3%27.3%27.3%

29.3%

Q1-o-Q1

growth

22.74

9.479.479.479.47

32.21

5.935.935.935.93

38.14

Q1-

2014

23.04

8.408.408.408.40

31.44

4.604.604.604.60

36.04

Q4-

2013

18.15

6.686.686.686.68

24.83

4.664.664.664.66

29.49

Q1-

2013

83.25Profit after tax

30.7130.7130.7130.71

113.96

18.0318.0318.0318.03

131.99

FY2013

TaxTaxTaxTax

Profit before tax

ProvisionsProvisionsProvisionsProvisions

Operating profit


7

Balance sheet: AssetsBalance sheet: AssetsBalance sheet: AssetsBalance sheet: Assets

5,485.59

398.77398.77398.77398.77

3,013.703,013.703,013.703,013.70

198.31198.31198.31198.31

120.23120.23120.23120.23

994.21994.21994.21994.21

1,746.251,746.251,746.251,746.25

326.87326.87326.87326.87

June 30, 2013

10.5%10.5%10.5%10.5%201.98201.98201.98201.98179.43179.43179.43179.43---- RIDFRIDFRIDFRIDF1111 and relatedand relatedand relatedand related

19.6%19.6%19.6%19.6%923.76923.76923.76923.76831.16831.16831.16831.16---- SLR investmentsSLR investmentsSLR investmentsSLR investments

----3.4%3.4%3.4%3.4%123.22123.22123.22123.22124.53124.53124.53124.53---- Equity investment inEquity investment inEquity investment inEquity investment inSubsidiariesSubsidiariesSubsidiariesSubsidiaries

5,040.60

442.22442.22442.22442.22

2,684.302,684.302,684.302,684.30

1,551.321,551.321,551.321,551.32

362.76362.76362.76362.76

June 30, 2012

12.6%12.6%12.6%12.6%1,713.941,713.941,713.941,713.94InvestmentsInvestmentsInvestmentsInvestments

5,367.95

337.34337.34337.34337.34

2,902.492,902.492,902.492,902.49

414.18414.18414.18414.18

March 31, 2013

8.8%

----9.8%9.8%9.8%9.8%

12.3%12.3%12.3%12.3%

----9.9%9.9%9.9%9.9%

Y-o-Y growth

Total assets2

Fixed & other assetsFixed & other assetsFixed & other assetsFixed & other assets

AdvancesAdvancesAdvancesAdvances2222

Cash & bank balances Cash & bank balances Cash & bank balances Cash & bank balances


� Net investment in security Net investment in security Net investment in security Net investment in security receiptsreceiptsreceiptsreceipts of asset reconstruction companies of asset reconstruction companies of asset reconstruction companies of asset reconstruction companies was was was was ` ` ` ` 10.57 bn at June 30, 2013 (March 31, 2013: 10.57 bn at June 30, 2013 (March 31, 2013: 10.57 bn at June 30, 2013 (March 31, 2013: 10.57 bn at June 30, 2013 (March 31, 2013: `̀̀̀ 11.47 bn)11.47 bn)11.47 bn)11.47 bn)

� Net credit derivative exposure (including off balance sheet expoNet credit derivative exposure (including off balance sheet expoNet credit derivative exposure (including off balance sheet expoNet credit derivative exposure (including off balance sheet exposure) sure) sure) sure) was US$ 31 mn at June 30, 2013 compared to US$ 56 mn at March 31was US$ 31 mn at June 30, 2013 compared to US$ 56 mn at March 31was US$ 31 mn at June 30, 2013 compared to US$ 56 mn at March 31was US$ 31 mn at June 30, 2013 compared to US$ 56 mn at March 31, , , , 2013 and US$ 186 mn at June 30, 20122013 and US$ 186 mn at June 30, 20122013 and US$ 186 mn at June 30, 20122013 and US$ 186 mn at June 30, 2012� Underlying comprises Indian corporate credits Underlying comprises Indian corporate credits Underlying comprises Indian corporate credits Underlying comprises Indian corporate credits

1.1.1.1. Rural Infrastructure Development FundRural Infrastructure Development FundRural Infrastructure Development FundRural Infrastructure Development Fund2.2.2.2. Including impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movement

8

Loan book classification: reporting from Loan book classification: reporting from Loan book classification: reporting from Loan book classification: reporting from March 2013March 2013March 2013March 2013

SMESMESMESMERuralRuralRuralRuralLoans to Loans to Loans to Loans to SMEsSMEsSMEsSMEs related related related related to agricultureto agricultureto agricultureto agriculture

Retail Retail Retail Retail ---- business business business business bankingbankingbankingbanking

Retail Retail Retail Retail ---- other other other other securedsecuredsecuredsecured

Dealer fundingDealer fundingDealer fundingDealer funding

Retail Retail Retail Retail ---- othersothersothersothersRuralRuralRuralRuralRural retail i.e. portfolios Rural retail i.e. portfolios Rural retail i.e. portfolios Rural retail i.e. portfolios like jewel loans, farm like jewel loans, farm like jewel loans, farm like jewel loans, farm equipment loans etc.equipment loans etc.equipment loans etc.equipment loans etc.

RuralRuralRuralRural

SMESMESMESME

Retail Retail Retail Retail ---- homehomehomehome

Earlier reported inEarlier reported inEarlier reported inEarlier reported in

Retail Retail Retail Retail ---- business business business business bankingbankingbankingbanking

Loans to small Loans to small Loans to small Loans to small businessesbusinessesbusinessesbusinesses

Domestic corporateDomestic corporateDomestic corporateDomestic corporate

Domestic corporateDomestic corporateDomestic corporateDomestic corporate

Now reported inNow reported inNow reported inNow reported in

Loans to Loans to Loans to Loans to corporatescorporatescorporatescorporatesrelated to agriculturerelated to agriculturerelated to agriculturerelated to agriculture

Builder financeBuilder financeBuilder financeBuilder finance

Nature of loanNature of loanNature of loanNature of loan

9

SME SME SME SME

4.6%4.6%4.6%4.6%

Domestic Domestic Domestic Domestic

corporatecorporatecorporatecorporate

32.5%32.5%32.5%32.5%

Overseas Overseas Overseas Overseas

branchesbranchesbranchesbranches

26.9%26.9%26.9%26.9%Retail Retail Retail Retail

businessbusinessbusinessbusiness

36.0%36.0%36.0%36.0%

SME SME SME SME

5.7%5.7%5.7%5.7%



30.4%30.4%30.4%30.4%



28.0%28.0%28.0%28.0%

Retail Retail Retail Retail


35.9%35.9%35.9%35.9%

Composition of loan book (Composition of loan book (Composition of loan book (Composition of loan book (yyyy----oooo----yyyy))))

1.1.1.1. Including impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movement

2.2.2.2. Domestic corporate loans include builder financeDomestic corporate loans include builder financeDomestic corporate loans include builder financeDomestic corporate loans include builder finance

3.3.3.3. Including buyouts & interIncluding buyouts & interIncluding buyouts & interIncluding buyouts & inter----bank participation bank participation bank participation bank participation certificatescertificatescertificatescertificates

June 30, 2012

Total loan book: `̀̀̀ 2,684 bn

June 30, 2013

1

2

3


1

2

3

10

Composition of retail loan book (Composition of retail loan book (Composition of retail loan book (Composition of retail loan book (yyyy----oooo----yyyy))))

1.1.1.1. June 30, 2012: Vehicle loans includes auto loans June 30, 2012: Vehicle loans includes auto loans June 30, 2012: Vehicle loans includes auto loans June 30, 2012: Vehicle loans includes auto loans 9.4%, commercial business 17.4%9.4%, commercial business 17.4%9.4%, commercial business 17.4%9.4%, commercial business 17.4%


Total retail loan book: `̀̀̀ 964 bn

June 30, 2012

Retail loan growth (excluding buyouts) of 26.6%Retail loan growth (excluding buyouts) of 26.6%Retail loan growth (excluding buyouts) of 26.6%Retail loan growth (excluding buyouts) of 26.6%

Total retail loan book: `̀̀̀ 1,085 bn

June 30, 2013

OthersOthersOthersOthers

12.1%12.1%12.1%12.1%

Business Business Business Business

bankingbankingbankingbanking

5.8%5.8%5.8%5.8%

Credit cardsCredit cardsCredit cardsCredit cards

2.8%2.8%2.8%2.8% Personal loansPersonal loansPersonal loansPersonal loans

1.7%1.7%1.7%1.7%

Vehicle loansVehicle loansVehicle loansVehicle loans

22.7%22.7%22.7%22.7%

Home Home Home Home

54.9%54.9%54.9%54.9%2


10.6%10.6%10.6%10.6%



7.3%7.3%7.3%7.3%



1.0%1.0%1.0%1.0%


26.8%26.8%26.8%26.8%

Home Home Home Home

51.7%51.7%51.7%51.7%1

11

Composition of loan book (Composition of loan book (Composition of loan book (Composition of loan book (qqqq----oooo----qqqq))))March 31, 2013



2.2.2.2. Domestic corporate loans include builder financeDomestic corporate loans include builder financeDomestic corporate loans include builder financeDomestic corporate loans include builder finance

3.3.3.3. Including buyouts & interIncluding buyouts & interIncluding buyouts & interIncluding buyouts & inter----bank participation bank participation bank participation bank participation certificatescertificatescertificatescertificates

SME SME SME SME

5.2%5.2%5.2%5.2%

Retai l Retai l Retai l Retai l


37.0%37.0%37.0%37.0%



25.3%25.3%25.3%25.3%



32.5%32.5%32.5%32.5%

1

2

3

SME SME SME SME

4.6%4.6%4.6%4.6%



32.5%32.5%32.5%32.5%



26.9%26.9%26.9%26.9%Retail Retail Retail Retail


36.0%36.0%36.0%36.0%

June 30, 2013

1

2

3


12

Composition of retail loan book (Composition of retail loan book (Composition of retail loan book (Composition of retail loan book (qqqq----oooo----qqqq))))

1.1.1.1. March 31, 2013: Vehicle loans includes auto loans March 31, 2013: Vehicle loans includes auto loans March 31, 2013: Vehicle loans includes auto loans March 31, 2013: Vehicle loans includes auto loans 10.2%, commercial business 13.9%10.2%, commercial business 13.9%10.2%, commercial business 13.9%10.2%, commercial business 13.9%



March 31, 2013


June 30, 2013

2222


12.3%12.3%12.3%12.3%



5.9%5.9%5.9%5.9%


2.5%2.5%2.5%2.5%Personal loansPersonal loansPersonal loansPersonal loans

1.5%1.5%1.5%1.5%


24.2%24.2%24.2%24.2%

Home Home Home Home

53.6%53.6%53.6%53.6%1


12.1%12.1%12.1%12.1%



5.8%5.8%5.8%5.8%



1.7%1.7%1.7%1.7%


22.7%22.7%22.7%22.7%

Home Home Home Home

54.9%54.9%54.9%54.9%2

13

Equity investment in subsidiariesEquity investment in subsidiariesEquity investment in subsidiariesEquity investment in subsidiaries

1.871.871.871.871.871.871.871.871.871.871.871.87ICICI Securities LimitedICICI Securities LimitedICICI Securities LimitedICICI Securities Limited

123.22

0.140.140.140.14

0.050.050.050.05

0.610.610.610.61

1.581.581.581.58

3.003.003.003.00

11.1211.1211.1211.12

14.2214.2214.2214.22

21.2021.2021.2021.20

33.5033.5033.5033.50

35.9335.9335.9335.93

March 31,

2013

120.23

0.140.140.140.14

0.050.050.050.05

0.610.610.610.61

1.581.581.581.58

3.003.003.003.00

11.1211.1211.1211.12

14.2214.2214.2214.22

21.2021.2021.2021.20

30.5130.5130.5130.51

35.9335.9335.9335.93

June 30,

2013

13.4813.4813.4813.48ICICI Lombard General InsuranceICICI Lombard General InsuranceICICI Lombard General InsuranceICICI Lombard General Insurance

124.53

0.140.140.140.14

0.050.050.050.05

0.610.610.610.61

1.581.581.581.58

3.003.003.003.00

11.1211.1211.1211.12

23.2523.2523.2523.25

33.5033.5033.5033.50

35.9335.9335.9335.93

June 30,

2012

ICICI Home FinanceICICI Home FinanceICICI Home FinanceICICI Home Finance

ICICI Bank UKICICI Bank UKICICI Bank UKICICI Bank UK

ICICI AMCICICI AMCICICI AMCICICI AMC

ICICI Bank CanadaICICI Bank CanadaICICI Bank CanadaICICI Bank Canada

ICICI Bank Eurasia LLCICICI Bank Eurasia LLCICICI Bank Eurasia LLCICICI Bank Eurasia LLC

ICICI Securities Primary DealershipICICI Securities Primary DealershipICICI Securities Primary DealershipICICI Securities Primary Dealership


Total

ICICI Venture Funds MgmtICICI Venture Funds MgmtICICI Venture Funds MgmtICICI Venture Funds Mgmt

ICICI Prudential Life InsuranceICICI Prudential Life InsuranceICICI Prudential Life InsuranceICICI Prudential Life Insurance


14

Balance sheet: LiabilitiesBalance sheet: LiabilitiesBalance sheet: LiabilitiesBalance sheet: Liabilities

5,367.95

321.34321.34321.34321.34

1,453.411,453.411,453.411,453.41

369.26369.26369.26369.26

856.51856.51856.51856.51

2,926.142,926.142,926.142,926.14

655.52655.52655.52655.52

11.5411.5411.5411.54

667.06667.06667.06667.06

March 31, 2013

14.0%14.0%14.0%14.0%888.53888.53888.53888.53779.23779.23779.23779.23---- SavingsSavingsSavingsSavings

20.3%20.3%20.3%20.3%369.81369.81369.81369.81307.54307.54307.54307.54---- CurrentCurrentCurrentCurrent

5,040.60

360.36360.36360.36360.36

1,372.071,372.071,372.071,372.07

2,677.94 2,677.94 2,677.94 2,677.94

618.71618.71618.71618.71

11.5311.5311.5311.53

630.24630.24630.24630.24

June 30, 2012

5,485.59

313.75313.75313.75313.75

1,559.201,559.201,559.201,559.20

2,911.852,911.852,911.852,911.85

689.25689.25689.25689.25

11.5411.5411.5411.54

700.79700.79700.79700.79

June 30, 2013

8.8%

----12.9%12.9%12.9%12.9%

13.6%13.6%13.6%13.6%

8.7%8.7%8.7%8.7%

11.4%11.4%11.4%11.4%

0.1%0.1%0.1%0.1%

11.2%11.2%11.2%11.2%

Y-o-Y growth

BorrowingsBorrowingsBorrowingsBorrowings1,21,21,21,2

Total liabilities2

Other liabilitiesOther liabilitiesOther liabilitiesOther liabilities3333

DepositsDepositsDepositsDeposits

---- ReservesReservesReservesReserves

---- Equity capitalEquity capitalEquity capitalEquity capital

Net worthNet worthNet worthNet worth


� Credit/deposit ratio of 80.7% on the domestic balance Credit/deposit ratio of 80.7% on the domestic balance Credit/deposit ratio of 80.7% on the domestic balance Credit/deposit ratio of 80.7% on the domestic balance sheet at June 30, 2013sheet at June 30, 2013sheet at June 30, 2013sheet at June 30, 2013

1.1.1.1. Borrowings include preference shares amounting to Borrowings include preference shares amounting to Borrowings include preference shares amounting to Borrowings include preference shares amounting to `̀̀̀ 3.50 bn3.50 bn3.50 bn3.50 bn2.2.2.2. Including impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movement

15

Composition of borrowingsComposition of borrowingsComposition of borrowingsComposition of borrowings

1,453.41

650.31650.31650.31650.31

18.4118.4118.4118.41

668.72668.72668.72668.72

402.98402.98402.98402.98

381.71381.71381.71381.71

784.69784.69784.69784.69

March 31, 2013

1,372.07

709.49 709.49 709.49 709.49

18.85 18.85 18.85 18.85

728.34 728.34 728.34 728.34

281.83281.83281.83281.83

361.90 361.90 361.90 361.90

643.73 643.73 643.73 643.73

June 30, 2012

721.38721.38721.38721.38OverseasOverseasOverseasOverseas2222

453.08453.08453.08453.08---- Other borrowingsOther borrowingsOther borrowingsOther borrowings

384.74384.74384.74384.74---- Capital instrumentsCapital instrumentsCapital instrumentsCapital instruments1111

1,559.20

701.23701.23701.23701.23

20.1520.1520.1520.15

837.82837.82837.82837.82

June 30, 2013

Total borrowings2

---- Other borrowingsOther borrowingsOther borrowingsOther borrowings

---- Capital instrumentsCapital instrumentsCapital instrumentsCapital instruments

DomesticDomesticDomesticDomestic

� Capital instruments constitute 45.9% of domestic borrowingsCapital instruments constitute 45.9% of domestic borrowingsCapital instruments constitute 45.9% of domestic borrowingsCapital instruments constitute 45.9% of domestic borrowings

1.1.1.1. Includes preference share capital Includes preference share capital Includes preference share capital Includes preference share capital `̀̀̀ 3.50 bn3.50 bn3.50 bn3.50 bn



16

Capital adequacyCapital adequacyCapital adequacyCapital adequacy

1,226.711,226.711,226.711,226.71----Off balance sheetOff balance sheetOff balance sheetOff balance sheet

3,584.603,584.603,584.603,584.60----On balance sheetOn balance sheetOn balance sheetOn balance sheet

5.32%5.32%5.32%5.32%

11.72%11.72%11.72%11.72%

17.04%17.04%17.04%17.04%

%

4,811.314,811.314,811.314,811.31

255.80255.80255.80255.80

564.19564.19564.19564.19

819.99819.99819.99819.99

` bn

June 30, 2013

Risk weighted assetsRisk weighted assetsRisk weighted assetsRisk weighted assets

---- Tier IITier IITier IITier II

---- Tier ITier ITier ITier I

Total CapitalTotal CapitalTotal CapitalTotal Capital1111

Basel III

1.1.1.1. In line with applicable guidelines, the Basel III capital ratiosIn line with applicable guidelines, the Basel III capital ratiosIn line with applicable guidelines, the Basel III capital ratiosIn line with applicable guidelines, the Basel III capital ratios reported by the Bank for the reported by the Bank for the reported by the Bank for the reported by the Bank for the quarter ended June 30, 2013 do not include the profits for the qquarter ended June 30, 2013 do not include the profits for the qquarter ended June 30, 2013 do not include the profits for the qquarter ended June 30, 2013 do not include the profits for the quarteruarteruarteruarter

� On a comparable basis, the total capital adequacy ratio as per On a comparable basis, the total capital adequacy ratio as per On a comparable basis, the total capital adequacy ratio as per On a comparable basis, the total capital adequacy ratio as per Basel II norms is 18.35% and TierBasel II norms is 18.35% and TierBasel II norms is 18.35% and TierBasel II norms is 18.35% and Tier----1 capital adequacy is 1 capital adequacy is 1 capital adequacy is 1 capital adequacy is 12.48% 12.48% 12.48% 12.48%

� Including the profits for Q1Including the profits for Q1Including the profits for Q1Including the profits for Q1----2014, the capital adequacy ratio for 2014, the capital adequacy ratio for 2014, the capital adequacy ratio for 2014, the capital adequacy ratio for the Bank as per Basel III norms would have been 17.39% and the Bank as per Basel III norms would have been 17.39% and the Bank as per Basel III norms would have been 17.39% and the Bank as per Basel III norms would have been 17.39% and the Tier I ratio would have been 12.07%.the Tier I ratio would have been 12.07%.the Tier I ratio would have been 12.07%.the Tier I ratio would have been 12.07%.

17

� Gross retail NPLs at Gross retail NPLs at Gross retail NPLs at Gross retail NPLs at `̀̀̀ 54.11 bn and net retail NPLs at 54.11 bn and net retail NPLs at 54.11 bn and net retail NPLs at 54.11 bn and net retail NPLs at `̀̀̀ 7.76 bn 7.76 bn 7.76 bn 7.76 bn at June 30, 2013at June 30, 2013at June 30, 2013at June 30, 20131111

� Provisioning coverage ratio of 75.4% at June 30, 2013 Provisioning coverage ratio of 75.4% at June 30, 2013 Provisioning coverage ratio of 75.4% at June 30, 2013 Provisioning coverage ratio of 75.4% at June 30, 2013 computed in accordance with RBI guidelinescomputed in accordance with RBI guidelinescomputed in accordance with RBI guidelinescomputed in accordance with RBI guidelines

� Net loans to companies whose facilities have been restructured Net loans to companies whose facilities have been restructured Net loans to companies whose facilities have been restructured Net loans to companies whose facilities have been restructured at at at at `̀̀̀ 59.15 bn at June 30, 2013 compared to 59.15 bn at June 30, 2013 compared to 59.15 bn at June 30, 2013 compared to 59.15 bn at June 30, 2013 compared to `̀̀̀ 53.15 53.15 53.15 53.15 bnbnbnbn at March at March at March at March 31, 2013 and 31, 2013 and 31, 2013 and 31, 2013 and `̀̀̀ 45.71 45.71 45.71 45.71 bnbnbnbn at June 30, 2012at June 30, 2012at June 30, 2012at June 30, 2012

� Outstanding general provision on standard assets: Outstanding general provision on standard assets: Outstanding general provision on standard assets: Outstanding general provision on standard assets: `̀̀̀ 16.07 bn 16.07 bn 16.07 bn 16.07 bn at June 30, 2013at June 30, 2013at June 30, 2013at June 30, 2013

Asset quality and provisioningAsset quality and provisioningAsset quality and provisioningAsset quality and provisioning((((`̀̀̀ billion)billion)billion)billion)

0.64%0.64%0.64%0.64%

22.3422.3422.3422.34

74.1374.1374.1374.13

96.4796.4796.4796.47

March 31, 2013

0.69%0.69%0.69%0.69%

24.7224.7224.7224.72

75.8575.8575.8575.85

100.57100.57100.57100.57

June 30, 2013

0.61%0.61%0.61%0.61%

19.4119.4119.4119.41

79.7079.7079.7079.70

99.1199.1199.1199.11

June 30, 2012

Net NPA ratioNet NPA ratioNet NPA ratioNet NPA ratio

Net NPAsNet NPAsNet NPAsNet NPAs

Less: Cumulative provisionsLess: Cumulative provisionsLess: Cumulative provisionsLess: Cumulative provisions

Gross NPAsGross NPAsGross NPAsGross NPAs

1.1.1.1. Based on revised definition of retail loansBased on revised definition of retail loansBased on revised definition of retail loansBased on revised definition of retail loans

18

Overseas subsidiariesOverseas subsidiariesOverseas subsidiariesOverseas subsidiaries

19

June 30, 2013

Total assets: USD 3.8 bnTotal assets: USD 3.8 bnTotal assets: USD 3.8 bnTotal assets: USD 3.8 bn

1111

3333Loans & Loans & Loans & Loans &

advancesadvancesadvancesadvances

65.1%65.1%65.1%65.1%

Asset backed Asset backed Asset backed Asset backed

securitiessecuritiessecuritiessecurities

1.9%1.9%1.9%1.9%Other assets & Other assets & Other assets & Other assets &

investmentsinvestmentsinvestmentsinvestments

2.7%2.7%2.7%2.7%India linked India linked India linked India linked


7.1%7.1%7.1%7.1%

Cash & liquid Cash & liquid Cash & liquid Cash & liquid

securitiessecuritiessecuritiessecurities

20.9%20.9%20.9%20.9%

Bonds/notes of Bonds/notes of Bonds/notes of Bonds/notes of

financial financial financial financial

institutionsinstitutionsinstitutionsinstitutions

2.3%2.3%2.3%2.3%

19

ICICI Bank UK asset profileICICI Bank UK asset profileICICI Bank UK asset profileICICI Bank UK asset profile

1.1.1.1. Includes cash & advances to banks, T Bills Includes cash & advances to banks, T Bills Includes cash & advances to banks, T Bills Includes cash & advances to banks, T Bills 2.2.2.2. Includes IndiaIncludes IndiaIncludes IndiaIncludes India----linked credit derivatives US$ 15 mn at March 31, 2013linked credit derivatives US$ 15 mn at March 31, 2013linked credit derivatives US$ 15 mn at March 31, 2013linked credit derivatives US$ 15 mn at March 31, 20133.3.3.3. Includes securities reIncludes securities reIncludes securities reIncludes securities re----classified to loans & advancesclassified to loans & advancesclassified to loans & advancesclassified to loans & advances

Total assets: USD 3.6 Total assets: USD 3.6 Total assets: USD 3.6 Total assets: USD 3.6 bnbnbnbn

March 31, 2013

Loans & Loans & Loans & Loans &

advancesadvancesadvancesadvances

64.5%64.5%64.5%64.5%


securi tiessecuri tiessecuri tiessecuri ties

2.1%2.1%2.1%2.1%Other assets & Other assets & Other assets & Other assets &


3.2%3.2%3.2%3.2%India l inked Ind ia l inked Ind ia l inked Ind ia l inked


7.4%7.4%7.4%7.4%

Cash & l iquid Cash & l iquid Cash & l iquid Cash & l iquid


20.5%20.5%20.5%20.5%

Bonds/no tes o f Bonds/no tes o f Bonds/no tes o f Bonds/no tes o f

financ ia l financ ia l financ ia l financ ia l

insti tutionsinsti tutionsinsti tutionsinsti tutions

2.3%2.3%2.3%2.3%

1111

3333

2222

3333

1111

2222

2020

ICICI Bank UK liability profileICICI Bank UK liability profileICICI Bank UK liability profileICICI Bank UK liability profile

� Profit after tax of US$ 5.4 mn in Q1Profit after tax of US$ 5.4 mn in Q1Profit after tax of US$ 5.4 mn in Q1Profit after tax of US$ 5.4 mn in Q1----2014 compared to US$ 4.4 mn in Q12014 compared to US$ 4.4 mn in Q12014 compared to US$ 4.4 mn in Q12014 compared to US$ 4.4 mn in Q1----2013201320132013

� Capital adequacy ratio at 26.6%Capital adequacy ratio at 26.6%Capital adequacy ratio at 26.6%Capital adequacy ratio at 26.6%

� Proportion of retail term deposits in total deposits at 45% at JProportion of retail term deposits in total deposits at 45% at JProportion of retail term deposits in total deposits at 45% at JProportion of retail term deposits in total deposits at 45% at June 30, 2013une 30, 2013une 30, 2013une 30, 2013

Total liabilities: USD 3.6 Total liabilities: USD 3.6 Total liabilities: USD 3.6 Total liabilities: USD 3.6 bnbnbnbn

March 31, 2013 June 30, 2013

Total liabilities: USD 3.8 bnTotal liabilities: USD 3.8 bnTotal liabilities: USD 3.8 bnTotal liabilities: USD 3.8 bn

Demand Demand Demand Demand

deposi tsdeposi tsdeposi tsdeposi ts

17.4%17.4%17.4%17.4%

Syndicated Syndicated Syndicated Syndicated

loans & loans & loans & loans &

interbank interbank interbank interbank

borrowingsborrowingsborrowingsborrowings

13.9%13.9%13.9%13.9%

Other Other Other Other

l iab i l i tiesl iab i l i tiesl iab i l i tiesl iab i l i ties

3.9%3.9%3.9%3.9%

Term deposi tsTerm deposi tsTerm deposi tsTerm deposi ts

32.8%32.8%32.8%32.8%


17.3%17.3%17.3%17.3%

Long Long Long Long

term debtterm debtterm debtterm debt

14.7%14.7%14.7%14.7%


depositsdepositsdepositsdeposits

16.9%16.9%16.9%16.9%

Syndicated Syndicated Syndicated Syndicated

loans & loans & loans & loans &

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

16.8%16.8%16.8%16.8%


liabilitiesliabilitiesliabilitiesliabilities

3.1%3.1%3.1%3.1%

Term depositsTerm depositsTerm depositsTerm deposits

31.2%31.2%31.2%31.2%


16.7%16.7%16.7%16.7%

Long Long Long Long

term debtterm debtterm debtterm debt

15.3%15.3%15.3%15.3%

21

ICICI Bank Canada asset profileICICI Bank Canada asset profileICICI Bank Canada asset profileICICI Bank Canada asset profile

1.1.1.1. Includes cash & advances to banks and government Includes cash & advances to banks and government Includes cash & advances to banks and government Includes cash & advances to banks and government securitiessecuritiessecuritiessecurities

2.2.2.2. Includes IndiaIncludes IndiaIncludes IndiaIncludes India----linked credit derivatives of nil at June 30, 2013linked credit derivatives of nil at June 30, 2013linked credit derivatives of nil at June 30, 2013linked credit derivatives of nil at June 30, 20133.3.3.3. Based on IFRS, securitised portfolio of CAD 1,745 mn and Based on IFRS, securitised portfolio of CAD 1,745 mn and Based on IFRS, securitised portfolio of CAD 1,745 mn and Based on IFRS, securitised portfolio of CAD 1,745 mn and

CAD 1,781 mn considered as part of Insured mortgage CAD 1,781 mn considered as part of Insured mortgage CAD 1,781 mn considered as part of Insured mortgage CAD 1,781 mn considered as part of Insured mortgage portfolio at March 31, 2013 and June 30, 2013 respectivelyportfolio at March 31, 2013 and June 30, 2013 respectivelyportfolio at March 31, 2013 and June 30, 2013 respectivelyportfolio at March 31, 2013 and June 30, 2013 respectively

March 31, 2013

Total assets: CAD 5.4 Total assets: CAD 5.4 Total assets: CAD 5.4 Total assets: CAD 5.4 bnbnbnbn

June 30, 2013

Total assets: CAD 5.2 bnTotal assets: CAD 5.2 bnTotal assets: CAD 5.2 bnTotal assets: CAD 5.2 bn

Cash & l iquid Cash & l iquid Cash & l iquid Cash & l iquid


15.4%15.4%15.4%15.4%

Insured Insured Insured Insured

mortg agemortg agemortg agemortg age

33.7%33.7%33.7%33.7%

Other assets & Other assets & Other assets & Other assets &


9.2%9.2%9.2%9.2%



0.3%0.3%0.3%0.3%

Ind ia l inked Ind ia l inked Ind ia l inked Ind ia l inked


0.0%0.0%0.0%0.0%

Loans to Loans to Loans to Loans to

customerscustomerscustomerscustomers

41.4%41.4%41.4%41.4%

3333

2222

1111


customerscustomerscustomerscustomers

41.1%41.1%41.1%41.1%

Ind ia l inked Ind ia l inked Ind ia l inked Ind ia l inked


0.0%0.0%0.0%0.0%



0.3%0.3%0.3%0.3%



10.6%10.6%10.6%10.6%

Insured Insured Insured Insured

mortg agemortg agemortg agemortg age

35.2%35.2%35.2%35.2%Cash & l iquid Cash & l iquid Cash & l iquid Cash & l iquid


12.8%12.8%12.8%12.8%

1111

2222 3333

2222

ICICI Bank Canada liability profileICICI Bank Canada liability profileICICI Bank Canada liability profileICICI Bank Canada liability profile

� Profit after tax of CAD 14.4 mn in Q1Profit after tax of CAD 14.4 mn in Q1Profit after tax of CAD 14.4 mn in Q1Profit after tax of CAD 14.4 mn in Q1----2014 compared to CAD 11.9 mn in Q12014 compared to CAD 11.9 mn in Q12014 compared to CAD 11.9 mn in Q12014 compared to CAD 11.9 mn in Q1----2013201320132013

� Capital adequacy ratio at 31.0%Capital adequacy ratio at 31.0%Capital adequacy ratio at 31.0%Capital adequacy ratio at 31.0%

1.1.1.1. As per IFRS, proceeds of CAD 1,743 mn and CAD 1,811 As per IFRS, proceeds of CAD 1,743 mn and CAD 1,811 As per IFRS, proceeds of CAD 1,743 mn and CAD 1,811 As per IFRS, proceeds of CAD 1,743 mn and CAD 1,811 mn from sale of securitised portfolio considered as part mn from sale of securitised portfolio considered as part mn from sale of securitised portfolio considered as part mn from sale of securitised portfolio considered as part of borrowings at March 31, 2013 and June 30, 2013 of borrowings at March 31, 2013 and June 30, 2013 of borrowings at March 31, 2013 and June 30, 2013 of borrowings at March 31, 2013 and June 30, 2013 respectivelyrespectivelyrespectivelyrespectively

Total liabilities: CAD 5.4 bnTotal liabilities: CAD 5.4 bnTotal liabilities: CAD 5.4 bnTotal liabilities: CAD 5.4 bn

June 30, 2013March 31, 2013

1111BorrowingsBorrowingsBorrowingsBorrowings

33.8%33.8%33.8%33.8%


19.1%19.1%19.1%19.1%


deposi tsdeposi tsdeposi tsdeposi ts

15.0%15.0%15.0%15.0%


l iab i l i tiesl iab i l i tiesl iab i l i tiesl iab i l i ties

2.2%2.2%2.2%2.2%

Term deposi tsTerm deposi tsTerm deposi tsTerm deposi ts

29.9%29.9%29.9%29.9%

1111

Total liabilities: CAD 5.2 bnTotal liabilities: CAD 5.2 bnTotal liabilities: CAD 5.2 bnTotal liabilities: CAD 5.2 bn

1111BorrowingsBorrowingsBorrowingsBorrowings

35.6%35.6%35.6%35.6%


17.8%17.8%17.8%17.8%


depositsdepositsdepositsdeposits

14.2%14.2%14.2%14.2%


liabilitiesliabilitiesliabilitiesliabilities

2.4%2.4%2.4%2.4%

Term depositsTerm depositsTerm depositsTerm deposits

30.0%30.0%30.0%30.0%

1111

2323

ICICI Bank Eurasia asset profileICICI Bank Eurasia asset profileICICI Bank Eurasia asset profileICICI Bank Eurasia asset profile

1.1.1.1. Includes cash & call placements with banks, Includes cash & call placements with banks, Includes cash & call placements with banks, Includes cash & call placements with banks, balances with central bank, government securities balances with central bank, government securities balances with central bank, government securities balances with central bank, government securities and nostro balancesand nostro balancesand nostro balancesand nostro balances

� Total borrowings of USD 154 mn at June 30, 2013Total borrowings of USD 154 mn at June 30, 2013Total borrowings of USD 154 mn at June 30, 2013Total borrowings of USD 154 mn at June 30, 2013

� Capital adequacy of 24.5% at June 30, 2013Capital adequacy of 24.5% at June 30, 2013Capital adequacy of 24.5% at June 30, 2013Capital adequacy of 24.5% at June 30, 2013

� Net profit of USD 0.9 mn in Q1Net profit of USD 0.9 mn in Q1Net profit of USD 0.9 mn in Q1Net profit of USD 0.9 mn in Q1----2014 compared to USD 1.2 mn in Q12014 compared to USD 1.2 mn in Q12014 compared to USD 1.2 mn in Q12014 compared to USD 1.2 mn in Q1----2013201320132013

March 31, 2013

Total assets: USD 245 mnTotal assets: USD 245 mnTotal assets: USD 245 mnTotal assets: USD 245 mn

June 30, 2013

Total assets: USD 244 mnTotal assets: USD 244 mnTotal assets: USD 244 mnTotal assets: USD 244 mn



0.7%0.7%0.7%0.7%

Corporate Corporate Corporate Corporate

bondsbondsbondsbonds

0.8%0.8%0.8%0.8%

Cash & cash Cash & cash Cash & cash Cash & cash

equivalentsequivalentsequivalentsequivalents

30.2%30.2%30.2%30.2%

Retail loansRetail loansRetail loansRetail loans

14.9%14.9%14.9%14.9%


corporates & corporates & corporates & corporates &

banksbanksbanksbanks

53.4%53.4%53.4%53.4%

1111

1111


corporatescorporatescorporatescorporates & & & &

banksbanksbanksbanks

46.4%46.4%46.4%46.4%

Retail loansRetail loansRetail loansRetail loans

14.1%14.1%14.1%14.1%

Cash & cash Cash & cash Cash & cash Cash & cash

equivalentsequivalentsequivalentsequivalents

38.0%38.0%38.0%38.0%

Corporate Corporate Corporate Corporate

bondsbondsbondsbonds

0.7%0.7%0.7%0.7%



0.8%0.8%0.8%0.8%

1111

24

Domestic subsidiariesDomestic subsidiariesDomestic subsidiariesDomestic subsidiaries

25

ICICI Home FinanceICICI Home FinanceICICI Home FinanceICICI Home Finance

� Profit after tax of Profit after tax of Profit after tax of Profit after tax of `̀̀̀ 575.6 575.6 575.6 575.6 mnmnmnmn in Q1in Q1in Q1in Q1----2014 compared to 2014 compared to 2014 compared to 2014 compared to `̀̀̀ 490.0 490.0 490.0 490.0 mnmnmnmn in Q1in Q1in Q1in Q1----2013201320132013

� Capital adequacy ratio of 29.2% at June 30, 2013Capital adequacy ratio of 29.2% at June 30, 2013Capital adequacy ratio of 29.2% at June 30, 2013Capital adequacy ratio of 29.2% at June 30, 2013

� Net NPA ratio: 0.9%Net NPA ratio: 0.9%Net NPA ratio: 0.9%Net NPA ratio: 0.9%

� At June 30, 2013: Networth At June 30, 2013: Networth At June 30, 2013: Networth At June 30, 2013: Networth `̀̀̀ 14.86 bn; Deposits 14.86 bn; Deposits 14.86 bn; Deposits 14.86 bn; Deposits `̀̀̀ 3.74 bn and Borrowings & 3.74 bn and Borrowings & 3.74 bn and Borrowings & 3.74 bn and Borrowings & other liabilities other liabilities other liabilities other liabilities `̀̀̀ 52.26 bn52.26 bn52.26 bn52.26 bn

March 31, 2013

Total assets: Total assets: Total assets: Total assets: `̀̀̀ 72.02 bn72.02 bn72.02 bn72.02 bn

June 30, 2013

Total assets: Total assets: Total assets: Total assets: `̀̀̀ 70.85 bn70.85 bn70.85 bn70.85 bn

Investments and other Investments and other Investments and other Investments and other

assets assets assets assets

9 .5%9.5%9.5%9.5%

Loans Loans Loans Loans

90.5%90.5%90.5%90.5%

Investments and other Investments and other Investments and other Investments and other

assets assets assets assets

11.3%11.3%11.3%11.3%

Loans Loans Loans Loans

88 .7%88.7%88.7%88.7%

262626

ICICI LifeICICI LifeICICI LifeICICI Life ((((`̀̀̀ billion)billion)billion)billion)

1.1.1.1. Expense ratio: All expenses (including commission and excluding Expense ratio: All expenses (including commission and excluding Expense ratio: All expenses (including commission and excluding Expense ratio: All expenses (including commission and excluding unit costs) / (Total unit costs) / (Total unit costs) / (Total unit costs) / (Total premium premium premium premium –––– 90% of Single Premium)90% of Single Premium)90% of Single Premium)90% of Single Premium)

2.2.2.2. Source: IRDA (based on new business retail weightedSource: IRDA (based on new business retail weightedSource: IRDA (based on new business retail weightedSource: IRDA (based on new business retail weightedpremium)premium)premium)premium)

� Sustained leadership in private space with a market share of Sustained leadership in private space with a market share of Sustained leadership in private space with a market share of Sustained leadership in private space with a market share of 6.6%6.6%6.6%6.6%2222 for Q1for Q1for Q1for Q1----2014201420142014

Q1-2013 Q1-2014 FY2013

New businessNew businessNew businessNew business received premiumreceived premiumreceived premiumreceived premium 7.217.217.217.21 5.655.655.655.65 48.0848.0848.0848.08

Renewal premiumRenewal premiumRenewal premiumRenewal premium 16.6416.6416.6416.64 15.2915.2915.2915.29 87.3087.3087.3087.30

Total premiumTotal premiumTotal premiumTotal premium 23.8523.8523.8523.85 20.9420.9420.9420.94 135.38135.38135.38135.38

Annualised premium equivalent (APE)Annualised premium equivalent (APE)Annualised premium equivalent (APE)Annualised premium equivalent (APE) 5.705.705.705.70 5.415.415.415.41 35.3235.3235.3235.32

New Business Profit (NBP)New Business Profit (NBP)New Business Profit (NBP)New Business Profit (NBP) 0.850.850.850.85 0.810.810.810.81 5.295.295.295.29

NBP marginNBP marginNBP marginNBP margin 15.0%15.0%15.0%15.0% 15.0%15.0%15.0%15.0% 15.0%15.0%15.0%15.0%

Statutory profitStatutory profitStatutory profitStatutory profit 3.493.493.493.49 3.643.643.643.64 14.9614.9614.9614.96

Assets Under ManagementAssets Under ManagementAssets Under ManagementAssets Under Management 704.35704.35704.35704.35 748.40748.40748.40748.40 741.64741.64741.64741.64

Expense ratioExpense ratioExpense ratioExpense ratio1111 21.8%21.8%21.8%21.8% 23.1%23.1%23.1%23.1% 19.2%19.2%19.2%19.2%

27

ICICI GeneralICICI GeneralICICI GeneralICICI General

1.1.1.1. Excluding remittances from third party motor pool (the Pool) andExcluding remittances from third party motor pool (the Pool) andExcluding remittances from third party motor pool (the Pool) andExcluding remittances from third party motor pool (the Pool) and including premium on including premium on including premium on including premium on reinsurance acceptedreinsurance acceptedreinsurance acceptedreinsurance accepted

2.2.2.2. Includes impact of Includes impact of Includes impact of Includes impact of third party motor pool losses on account of actuarial valuation third party motor pool losses on account of actuarial valuation third party motor pool losses on account of actuarial valuation third party motor pool losses on account of actuarial valuation of the of the of the of the liability for the period FY2007 to FY2012liability for the period FY2007 to FY2012liability for the period FY2007 to FY2012liability for the period FY2007 to FY2012

3.3.3.3. Source: IRDASource: IRDASource: IRDASource: IRDA

Q1-2013 Q1-2014 FY2013

Gross premiumGross premiumGross premiumGross premium1111 15.3215.3215.3215.32 18.5918.5918.5918.59 64.2064.2064.2064.20

PATPATPATPAT 0.830.830.830.83 2.032.032.032.03 3.063.063.063.062222

� Market share based on gross written premium was 9.4%Market share based on gross written premium was 9.4%Market share based on gross written premium was 9.4%Market share based on gross written premium was 9.4%3333 for for for for Q1Q1Q1Q1----2014201420142014


28

Other subsidiariesOther subsidiariesOther subsidiariesOther subsidiaries

0.370.370.370.37

0.190.190.190.19

1.201.201.201.20

0.130.130.130.13

Q1-2014

1.101.101.101.10

0.200.200.200.20

1.221.221.221.22

0.640.640.640.64

FY2013

0.280.280.280.28

0.060.060.060.06

0.330.330.330.33

0.100.100.100.10

Q1-2013

ICICI Prudential Asset ManagementICICI Prudential Asset ManagementICICI Prudential Asset ManagementICICI Prudential Asset Management

ICICI Securities (Consolidated)ICICI Securities (Consolidated)ICICI Securities (Consolidated)ICICI Securities (Consolidated)

Profit after tax

ICICI VentureICICI VentureICICI VentureICICI Venture

ICICI Securities Primary DealershipICICI Securities Primary DealershipICICI Securities Primary DealershipICICI Securities Primary Dealership

� 32.3% increase in consolidated profit after tax from 32.3% increase in consolidated profit after tax from 32.3% increase in consolidated profit after tax from 32.3% increase in consolidated profit after tax from `̀̀̀ 20.77 20.77 20.77 20.77 bn in Q1bn in Q1bn in Q1bn in Q1----2013 to 2013 to 2013 to 2013 to `̀̀̀ 27.47 bn in Q127.47 bn in Q127.47 bn in Q127.47 bn in Q1----2014201420142014

� Consolidated return on average net worth (Consolidated return on average net worth (Consolidated return on average net worth (Consolidated return on average net worth (annualisedannualisedannualisedannualised) for ) for ) for ) for Q1Q1Q1Q1----2014 at 15.6% compared to 13.3% for Q12014 at 15.6% compared to 13.3% for Q12014 at 15.6% compared to 13.3% for Q12014 at 15.6% compared to 13.3% for Q1----2013 2013 2013 2013


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Key ratiosKey ratiosKey ratiosKey ratios

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Key ratios (consolidated)Key ratios (consolidated)Key ratios (consolidated)Key ratios (consolidated)

555555555555

72.072.072.072.0

13.313.313.313.3

Q1- 2013

607607607607

83.383.383.383.3

14.714.714.714.7

FY2013

15.615.615.615.614.514.514.514.5Return on average Return on average Return on average Return on average networthnetworthnetworthnetworth1,21,21,21,2

607607607607

87.687.687.687.6

Q4-2013

628628628628

95.595.595.595.5

Q1-2014

Book value (Book value (Book value (Book value (`̀̀̀))))

Weighted avg EPS (Weighted avg EPS (Weighted avg EPS (Weighted avg EPS (`̀̀̀))))2222

(Percent(Percent(Percent(Percent))))

1.1.1.1. Based on quarterly average networthBased on quarterly average networthBased on quarterly average networthBased on quarterly average networth2.2.2.2. Annualised for all interim periodsAnnualised for all interim periodsAnnualised for all interim periodsAnnualised for all interim periods

31

Key ratios (standalone)Key ratios (standalone)Key ratios (standalone)Key ratios (standalone)

38.038.038.038.039.039.039.039.038.138.138.138.139.139.139.139.1Average CASA ratioAverage CASA ratioAverage CASA ratioAverage CASA ratio

43.243.243.243.2

39.439.439.439.4

28.528.528.528.5

3.273.273.273.27

607607607607

79.179.179.179.1

1.751.751.751.75

13.313.313.313.3

Q1-2014

41.941.941.941.9

40.540.540.540.5

31.131.131.131.1

3.113.113.113.11

578578578578

72.272.272.272.2

1.661.661.661.66

12.912.912.912.9

FY2013

40.640.640.640.6

41.841.841.841.8

32.532.532.532.5

3.013.013.013.01

547547547547

63.163.163.163.1

1.511.511.511.51

11.811.811.811.8

Q1- 2013

14.014.014.014.0Return on average networthReturn on average networthReturn on average networthReturn on average networth1111

1.801.801.801.80Return on average assetsReturn on average assetsReturn on average assetsReturn on average assets1,21,21,21,2

41.941.941.941.9CASA ratio (period end)CASA ratio (period end)CASA ratio (period end)CASA ratio (period end)

40.040.040.040.0

29.629.629.629.6

3.333.333.333.33

578578578578

81.081.081.081.0

Q4-2013

Fee to incomeFee to incomeFee to incomeFee to income

Book value (Book value (Book value (Book value (`̀̀̀))))

Cost to incomeCost to incomeCost to incomeCost to income

Net interest marginNet interest marginNet interest marginNet interest margin1111

Weighted avg EPS (Weighted avg EPS (Weighted avg EPS (Weighted avg EPS (`̀̀̀))))1111

(Percent(Percent(Percent(Percent))))

1.1.1.1. Annualised for all interim periodsAnnualised for all interim periodsAnnualised for all interim periodsAnnualised for all interim periods2.2.2.2. Since December 31, 2012, the Bank has presented the markSince December 31, 2012, the Bank has presented the markSince December 31, 2012, the Bank has presented the markSince December 31, 2012, the Bank has presented the mark----totototo----market gain or loss on market gain or loss on market gain or loss on market gain or loss on

forexforexforexforex and derivative transactions on gross basis. Figures for previoand derivative transactions on gross basis. Figures for previoand derivative transactions on gross basis. Figures for previoand derivative transactions on gross basis. Figures for previous periods have us periods have us periods have us periods have been reclassified accordingly and return on average assets has bbeen reclassified accordingly and return on average assets has bbeen reclassified accordingly and return on average assets has bbeen reclassified accordingly and return on average assets has been reeen reeen reeen re----computed to computed to computed to computed to reflect this change.reflect this change.reflect this change.reflect this change.

32

Thank youThank youThank youThank you

Documents

Performance Review: Q1----20142014 - ICICI Bank...Performance Review: Q1----20142014 July 31, 2013 2 Certain statements in these slides are forwardCertain statements in these slides