Presented By Mirza Sakhawat Ullah Ritesh Choudhury Sreyans Sethia Sumant Samantray

 ICICI Bank – An Introduction  Assets & Liabilities  Off-Balance sheet operations  Financial Performance

 Largest private sector bank by market cap and 2 nd largest bank in terms of assets next to SBI  Largest issuer of credit cards in India  Largest international balance sheet among Indian banks  Has 1449 branches and 4721 ATMs in India  Presence in 18 countries  Operation in areas like Investment banking, life non life insurance, venture capital, asset management

SCBs (YoY)ICICI (YoY) Growth Rate 21.2%25% Assets to GDP Growth 98.5%91.6%86.7%91.8% Growth in Aggregate Deposits 22.4%23.1%10.70% Growth in Term Deposits 27.3%24.8%13.82% Growth in Demand Deposits 6.9%24.9%8.51%

 Because capital market resources virtually dried up in 08-09,banks raised money from the private placement market SCBs(YoY)ICICI(YoY) Growth in Borrowings 6.8%24.5%4.52%

 In a reversal of trend, the share of foreign currency deposits in total international liabilities, registered a sharp rise during SCBs(YoY)ICICI(YoY) Growth in International Liabs. 1.1%8.4%

 Growth rate of bank’s lending to industries, personal loans and services sector witnessed a deceleration, while bank’s lending to agriculture and allied activities increased substantially during SCBs(YoY)ICICI(YoY) Growth in aggregate Loans & Advances 21.2%25%

SCBs(YoY)ICICI(YoY) Priority Sector Advances 15.9%13.5%3.89%

SCBs(YoY)ICICI(YoY) Growth in lending to Small, Medium and Large 21.6%24.3%3.89%

SCBsICICI As a % of total priority sector advance 26.5%28.5%3.89%

SCBsICICI As a % of total priority sector advance 21.3%24.5%3.89%

SCBsICICI Overall Investments (As a % of NDTL) 23.1%23.8% Non SLR Investments 10.5%14.3%3.89%

SCBs(YoY)ICICI(YoY) Growth of International Assets 3%9.7%

SCBsICICI Maturity Structure 1 to 3 yearsUp to 1 year

SCBsICICI As a % of Total Asset 26.4%34.2%

SCBsICICI Income to Asset Ratio 8.8%8.5%10.20%9.90% Growth in Interest Income 26%33.2%14.6%

SCBsICICI Expenditure 26%33.9%1.42% Interest Expended 26.5%46%3.23% Bank’s Burden (Non-Interest Exp – Non-Interest Income) 0.3%0.4%.08% Provisions & Contingencies 43.4%17.7%1.98% Provisions for NPAs 43%28.4%29.22%

SCBsICICI Growth in Net Profit 23.5%36.9%9.61% Net Profits to Asset Ratio ROE 13.2%12.5%7.7%11.1% Efficiency Ratio [Op Exp/(Net Interest Income + Non Interest Income] 44.5%48% 39%