2013 05 Q4 FY2013 Investor Presentation

7/30/2019 2013 05 Q4 FY2013 Investor Presentation

1/33

Performance Review:Performance Review:Performance Review:Performance Review:

Q4Q4Q4Q4----2013201320132013

April 26, 2013April 26, 2013April 26, 2013April 26, 2013


2/33


3/33

3

FY2013:FY2013:FY2013:FY2013: Performance highlightsPerformance highlightsPerformance highlightsPerformance highlights

28.8% increase in standalone profit after tax from28.8% increase in standalone profit after tax from28.8% increase in standalone profit after tax from28.8% increase in standalone profit after tax from `64.65 bn in FY201264.65 bn in FY201264.65 bn in FY201264.65 bn in FY2012 (April 2011(April 2011(April 2011(April 2011----March 2012) toMarch 2012) toMarch 2012) toMarch 2012) to `83.25 bn in FY2013 (April 201283.25 bn in FY2013 (April 201283.25 bn in FY2013 (April 201283.25 bn in FY2013 (April 2012----March 2013)March 2013)March 2013)March 2013)

Net interest income increased by 29.2% yearNet interest income increased by 29.2% yearNet interest income increased by 29.2% yearNet interest income increased by 29.2% year----onononon----year;year;year;year; full year net interest margin improved fromfull year net interest margin improved fromfull year net interest margin improved fromfull year net interest margin improved from2.73% in FY2012 to 3.11% in FY20132.73% in FY2012 to 3.11% in FY20132.73% in FY2012 to 3.11% in FY20132.73% in FY2012 to 3.11% in FY2013

25.7% increase in consolidated profit after tax from25.7% increase in consolidated profit after tax from25.7% increase in consolidated profit after tax from25.7% increase in consolidated profit after tax from` 76.43 bn in FY2012 to76.43 bn in FY2012 to76.43 bn in FY2012 to76.43 bn in FY2012 to ` 96.04 bn in FY201396.04 bn in FY201396.04 bn in FY201396.04 bn in FY2013

Consolidated return on equity for FY2013 at 14.7%Consolidated return on equity for FY2013 at 14.7%Consolidated return on equity for FY2013 at 14.7%Consolidated return on equity for FY2013 at 14.7%

compared to 13.0% for FY2012compared to 13.0% for FY2012compared to 13.0% for FY2012compared to 13.0% for FY2012


4/33

4

Q4Q4Q4Q4----2013:2013:2013:2013: Performance highlights (1/2)Performance highlights (1/2)Performance highlights (1/2)Performance highlights (1/2) 21.1% increase in standalone profit after tax from21.1% increase in standalone profit after tax from21.1% increase in standalone profit after tax from21.1% increase in standalone profit after tax from `

19.02 bn in Q419.02 bn in Q419.02 bn in Q419.02 bn in Q4----2012201220122012 (January(January(January(January----March 2012) toMarch 2012) toMarch 2012) toMarch 2012) to `23.04 bn in Q423.04 bn in Q423.04 bn in Q423.04 bn in Q4----2013 (January2013 (January2013 (January2013 (January----March 2013)March 2013)March 2013)March 2013)

Net interest income increased by 22.5% yearNet interest income increased by 22.5% yearNet interest income increased by 22.5% yearNet interest income increased by 22.5% year----onononon----year; net interest margin at 3.33%year; net interest margin at 3.33%year; net interest margin at 3.33%year; net interest margin at 3.33%

International margin at 1.3%International margin at 1.3%International margin at 1.3%International margin at 1.3%

37.7% increase in consolidated profit after tax from37.7% increase in consolidated profit after tax from37.7% increase in consolidated profit after tax from37.7% increase in consolidated profit after tax from` 18.10 bn in Q418.10 bn in Q418.10 bn in Q418.10 bn in Q4----2012 to2012 to2012 to2012 to ` 24.92 bn in Q424.92 bn in Q424.92 bn in Q424.92 bn in Q4----2013201320132013

Consolidated return on equity (Consolidated return on equity (Consolidated return on equity (Consolidated return on equity (annualisedannualisedannualisedannualised) for Q4) for Q4) for Q4) for Q4----

2013 at 14.5%2013 at 14.5%2013 at 14.5%2013 at 14.5%


5/33

5

Advances increased by 14.4% yearAdvances increased by 14.4% yearAdvances increased by 14.4% yearAdvances increased by 14.4% year----onononon----year toyear toyear toyear to `2,902.49 billion at March 31, 20132,902.49 billion at March 31, 20132,902.49 billion at March 31, 20132,902.49 billion at March 31, 2013

Period end CASA ratio at 41.9% at March 31, 2013Period end CASA ratio at 41.9% at March 31, 2013Period end CASA ratio at 41.9% at March 31, 2013Period end CASA ratio at 41.9% at March 31, 2013 Average CASA ratio at 38.1% for Q4Average CASA ratio at 38.1% for Q4Average CASA ratio at 38.1% for Q4Average CASA ratio at 38.1% for Q4----2013 compared2013 compared2013 compared2013 compared

to 37.4% for Q3to 37.4% for Q3to 37.4% for Q3to 37.4% for Q3----2013201320132013

Net NPA ratio of 0.64% at March 31, 2013Net NPA ratio of 0.64% at March 31, 2013Net NPA ratio of 0.64% at March 31, 2013Net NPA ratio of 0.64% at March 31, 2013(December 31, 2012: 0.64%; March 31, 2012:(December 31, 2012: 0.64%; March 31, 2012:(December 31, 2012: 0.64%; March 31, 2012:(December 31, 2012: 0.64%; March 31, 2012:0.62%)0.62%)0.62%)0.62%)

Q4Q4Q4Q4----2013: Performance highlights (2/2)2013: Performance highlights (2/2)2013: Performance highlights (2/2)2013: Performance highlights (2/2)


6/33

6

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

34.53

22.6122.6122.6122.61

57.14

2.512.512.512.51

1.931.931.931.93

17.7117.7117.7117.71

22.1522.1522.1522.15

34.9934.9934.9934.99

Q3-

2013

31.11

22.2222.2222.2222.22

53.33

1.581.581.581.58

3.423.423.423.42

17.2817.2817.2817.28

22.2822.2822.2822.28

31.0531.0531.0531.05

Q4-

2012

103.86

78.5078.5078.5078.50

182.36

(0.13)(0.13)(0.13)(0.13)

8.088.088.088.08

67.0767.0767.0767.07

75.0275.0275.0275.02

107.34107.34107.34107.34

FY

2012

15.8%

8.3%8.3%8.3%8.3%

12.7%

(41.1)%(41.1)%(41.1)%(41.1)%

(0.6)%(0.6)%(0.6)%(0.6)%

2.7%2.7%2.7%2.7%

(0.9)%(0.9)%(0.9)%(0.9)%

22.5%22.5%22.5%22.5%

Q4-o-Q4

growth

222.1260.11Total income

131.9936.04Operating profit

4.954.954.954.950.930.930.930.93---- Treasury incomeTreasury incomeTreasury incomeTreasury income

90.1390.1390.1390.13

9.509.509.509.50

69.0169.0169.0169.01

83.4683.4683.4683.46

138.66138.66138.66138.66

FY

2013

24.0724.0724.0724.07

3.403.403.403.40

17.7517.7517.7517.75

22.0822.0822.0822.08

38.0338.0338.0338.03

Q4-

2013

OperatingOperatingOperatingOperatingexpensesexpensesexpensesexpenses1111

---- Other incomeOther incomeOther incomeOther income

---- Fee incomeFee incomeFee incomeFee income

NonNonNonNon----interestinterestinterestinterestincomeincomeincomeincome

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 retailloans and lease depreciationloans and lease depreciationloans and lease depreciationloans and lease depreciation


7/33

7

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

23.04

8.408.408.408.40

31.44

4.604.604.604.60

36.04

Q4-

2013

22.50

8.348.348.348.34

30.84

3.693.693.693.691111

34.53

Q3-

2013

19.02

7.407.407.407.40

26.42

4.694.694.694.69

31.11

Q4-

2012

64.65

23.3823.3823.3823.38

88.03

15.8315.8315.8315.83

103.86

FY

2012

21.1%83.25Profit after tax

13.5%13.5%13.5%13.5%

19.0%

(1.9)%(1.9)%(1.9)%(1.9)%

15.8%

Q4-o-Q4

growth

30.7130.7130.7130.71

113.96

18.0318.0318.0318.03

131.99

FY

2013

TaxTaxTaxTax

Profit before tax

ProvisionsProvisionsProvisionsProvisions

Operating profit

((((`



8/33


9/33

9

Loan book classification: new reportingLoan book classification: new reportingLoan book classification: new reportingLoan book classification: new reporting

SMESMESMESMERuralRuralRuralRuralLoans toLoans toLoans toLoans to SMEsSMEsSMEsSMEs relatedrelatedrelatedrelatedto agricultureto agricultureto agricultureto agriculture

RetailRetailRetailRetail ---- businessbusinessbusinessbusinessbankingbankingbankingbanking

RetailRetailRetailRetail ---- otherotherotherothersecuredsecuredsecuredsecured

Dealer fundingDealer fundingDealer fundingDealer funding

RetailRetailRetailRetail ---- othersothersothersothersRuralRuralRuralRural

Rural retail i.e. portfoliosRural retail i.e. portfoliosRural retail i.e. portfoliosRural retail i.e. portfolios

like jewel loans, farmlike jewel loans, farmlike jewel loans, farmlike jewel loans, farmequipment loans etc.equipment loans etc.equipment loans etc.equipment loans etc.

RuralRuralRuralRural

SMESMESMESME

RetailRetailRetailRetail ---- homehomehomehome

Earlier reported inEarlier reported inEarlier reported inEarlier reported in

RetailRetailRetailRetail ---- businessbusinessbusinessbusinessbankingbankingbankingbanking

Loans to smallLoans to smallLoans to smallLoans to smallbusinessesbusinessesbusinessesbusinesses

Domestic corporateDomestic corporateDomestic corporateDomestic corporate

Domestic corporateDomestic corporateDomestic corporateDomestic corporate

Now reported inNow reported inNow reported inNow reported in

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

Builder financeBuilder financeBuilder financeBuilder finance

Nature of loanNature of loanNature of loanNature of loan


10/33

10

SMESMESMESME

5.2%5.2%5.2%5.2%

RetailRetailRetailRetail

businessbusinessbusinessbusiness

37.0%37.0%37.0%37.0%

OverseasOverseasOverseasOverseas

branchesbranchesbranchesbranches

25.3%25.3%25.3%25.3%

DomesticDomesticDomesticDomestic

corporatecorporatecorporatecorporate

32.5%32.5%32.5%32.5%

SMESMESMESME

6.0%6.0%6.0%6.0%

Retail businessRetail businessRetail businessRetail business

38.0%38.0%38.0%38.0%



27.4%27.4%27.4%27.4%



28.6%28.6%28.6%28.6%

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 participationbank participationbank participationbank participationcertificatescertificatescertificatescertificates

March 31, 2012

Total loan book: ` 2,537 bn

11

March 31, 2013


2 2

3 3


11/33

11

OthersOthersOthersOthers

11.0%11.0%11.0%11.0%

BusinessBusinessBusinessBusiness

bankingbankingbankingbanking

7.2%7.2%7.2%7.2%

Credit cardsCredit cardsCredit cardsCredit cards

2.6%2.6%2.6%2.6%Personal loansPersonal loansPersonal loansPersonal loans

1.1%1.1%1.1%1.1%

Vehicle loansVehicle loansVehicle loansVehicle loans

27.6%27.6%27.6%27.6%

HomeHomeHomeHome

50.5%50.5%50.5%50.5%

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. March 31, 2012: Vehicle loans includes auto loansMarch 31, 2012: Vehicle loans includes auto loansMarch 31, 2012: Vehicle loans includes auto loansMarch 31, 2012: Vehicle loans includes auto loans9.1%, commercial business 18.5%9.1%, commercial business 18.5%9.1%, commercial business 18.5%9.1%, commercial business 18.5%


Total retail loan book:`

964 bn

March 31, 2012

1

Total retail loan book:`

1,074 bn

March 31, 2013

2222


12.3%12.3%12.3%12.3%



5.9%5.9%5.9%5.9%



1.5%1.5%1.5%1.5%

Vehicle loansVehicle loansVehicle loansVehicle loans

24.2%24.2%24.2%24.2%

HomeHomeHomeHome

53.6%53.6%53.6%53.6%

Retail loan growth of 25.6% excluding impact of bought outRetail loan growth of 25.6% excluding impact of bought outRetail loan growth of 25.6% excluding impact of bought outRetail loan growth of 25.6% excluding impact of bought outportfolio maturities & lower fresh buyoutsportfolio maturities & lower fresh buyoutsportfolio maturities & lower fresh buyoutsportfolio maturities & lower fresh buyouts

2


12/33

12

Composition of loan book (Composition of loan book (Composition of loan book (Composition of loan book (qqqq----oooo----qqqq))))December 31, 2012


2

1


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 participationbank participationbank participationbank participationcertificatescertificatescertificatescertificates

3

SMESMESMESME

5.2%5.2%5.2%5.2%



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

March 31, 2013


2

3

SMESMESMESME

5.2%5.2%5.2%5.2%



34.9%34.9%34.9%34.9%



25.7%25.7%25.7%25.7%



34.2%34.2%34.2%34.2%

1

2

3


13/33

13

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. December 31, 2012: Vehicle loans includes auto loansDecember 31, 2012: Vehicle loans includes auto loansDecember 31, 2012: Vehicle loans includes auto loansDecember 31, 2012: Vehicle loans includes auto loans10.0%, commercial business 15.1%10.0%, commercial business 15.1%10.0%, commercial business 15.1%10.0%, commercial business 15.1%


Total retail loan book: ` 999 bn

December 31, 2012

2222

Total retail loan book: ` 1,074 bn

March 31, 2013

2222


12.3%12.3%12.3%12.3%



5.9%5.9%5.9%5.9%



1.5%1.5%1.5%1.5%

Vehicle loansVehicle loansVehicle loansVehicle loans24.2%24.2%24.2%24.2%

HomeHomeHomeHome

53.6%53.6%53.6%53.6%


11.3%11.3%11.3%11.3%



5.6%5.6%5.6%5.6%



1.1%1.1%1.1%1.1%

Vehicle loansVehicle loansVehicle loansVehicle loans25.1%25.1%25.1%25.1%

HomeHomeHomeHome

54.1%54.1%54.1%54.1%1 2


14/33

14

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

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

13.4813.4813.4813.48

23.2523.2523.2523.25

33.5033.5033.5033.50

35.9335.9335.9335.93

December

31, 2012

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

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

March 31,

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

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


15/33

15

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

5,273.39266.53266.53266.53266.53

1,471.491,471.491,471.491,471.49

356.74356.74356.74356.74

814.63814.63814.63814.63

2,864.182,864.182,864.182,864.18

659.65659.65659.65659.65

11.5311.5311.5311.53

671.19671.19671.19671.19

December31, 2012

12.6%12.6%12.6%12.6%856.51856.51856.51856.51760.46760.46760.46760.46---- SavingsSavingsSavingsSavings

5.6%5.6%5.6%5.6%369.26369.26369.26369.26349.73349.73349.73349.73---- CurrentCurrentCurrentCurrent

4,890.69329.99329.99329.99329.99

1,401.651,401.651,401.651,401.65

2,555.002,555.002,555.002,555.00

592.52592.52592.52592.52

11.5311.5311.5311.53

604.05604.05604.05604.05

March 31,2012

5,367.95321.34321.34321.34321.34

1,453.411,453.411,453.411,453.41

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

9.8%0.1%0.1%0.1%0.1%

3.7%3.7%3.7%3.7%

14.5%14.5%14.5%14.5%

10.6%10.6%10.6%10.6%

0.1%0.1%0.1%0.1%

10.4%10.4%10.4%10.4%

Y-o-Ygrowth

BorrowingsBorrowingsBorrowingsBorrowings1,21,21,21,2

Total liabilities2Other liabilitiesOther liabilitiesOther liabilitiesOther liabilities3333

DepositsDepositsDepositsDeposits

---- ReservesReservesReservesReserves

---- Equity capitalEquity capitalEquity capitalEquity capital

Net worthNet worthNet worthNet worth


Credit/deposit ratio of 78.9% on the domestic balanceCredit/deposit ratio of 78.9% on the domestic balanceCredit/deposit ratio of 78.9% on the domestic balanceCredit/deposit ratio of 78.9% on the domestic balancesheet at March 31, 2013sheet at March 31, 2013sheet at March 31, 2013sheet at March 31, 2013

1.1.1.1. Borrowings include preference shares amounting toBorrowings include preference shares amounting toBorrowings include preference shares amounting toBorrowings 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


16/33

16

Composition of borrowingsComposition of borrowingsComposition of borrowingsComposition of borrowings

1,471.49

673.25673.25673.25673.25

18.6518.6518.6518.65

691.90691.90691.90691.90

391.22391.22391.22391.22

388.37388.37388.37388.37

779.59779.59779.59779.59

December31, 2012

1,401.65

644.62644.62644.62644.62

17.2417.2417.2417.24

661.87661.87661.87661.87

377.38377.38377.38377.38

362.40362.40362.40362.40

739.78739.78739.78739.78

March 31,2012

668.72668.72668.72668.72OverseasOverseasOverseasOverseas2222

402.98402.98402.98402.98---- Other borrowingsOther borrowingsOther borrowingsOther borrowings

381.71381.71381.71381.71---- Capital instrumentsCapital instrumentsCapital instrumentsCapital instruments1111

1,453.41

650.31650.31650.31650.31

18.4118.4118.4118.41

784.69784.69784.69784.69

March 31,2013

Total borrowings2

---- Other borrowingsOther borrowingsOther borrowingsOther borrowings

---- Capital instrumentsCapital instrumentsCapital instrumentsCapital instruments


Capital instruments constitute 48.6% of domestic borrowingsCapital instruments constitute 48.6% of domestic borrowingsCapital instruments constitute 48.6% of domestic borrowingsCapital instruments constitute 48.6% of domestic borrowings

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




17/33

17

Capital adequacy (Basel II)Capital adequacy (Basel II)Capital adequacy (Basel II)Capital adequacy (Basel II)

999.17999.17999.17999.17984.46984.46984.46984.46942.63942.63942.63942.63----Off balance sheetOff balance sheetOff balance sheetOff balance sheet

3,420.273,420.273,420.273,420.273,323.643,323.643,323.643,323.643,043.233,043.233,043.233,043.23----On balance sheetOn balance sheetOn balance sheetOn balance sheet

4,308.104,308.104,308.104,308.10

270.52270.52270.52270.52

570.76570.76570.76570.76

841.28841.28841.28841.28

` bn

December 31,

2012

6.28%6.28%6.28%6.28%

13.25%13.25%13.25%13.25%

19.53%19.53%19.53%19.53%

%

5.95%5.95%5.95%5.95%

12.80%12.80%12.80%12.80%

18.74%18.74%18.74%18.74%

%

4,419.444,419.444,419.444,419.44

262.74262.74262.74262.74

565.62565.62565.62565.62

828.36828.36828.36828.36

` bn

March 31, 2013

3,985.863,985.863,985.863,985.86

232.95232.95232.95232.95

505.18505.18505.18505.18

738.13738.13738.13738.13

` bn

March 31, 2012

5.84%5.84%5.84%5.84%

12.68%12.68%12.68%12.68%

18.52%18.52%18.52%18.52%

%

Risk weighted assetsRisk weighted assetsRisk weighted assetsRisk weighted assets

---- Tier IITier IITier IITier II

---- Tier ITier ITier ITier I

Total CapitalTotal CapitalTotal CapitalTotal Capital

Basel II


18/33


19/33

19

Overseas subsidiariesOverseas subsidiariesOverseas subsidiariesOverseas subsidiaries


20/33


21/33

21

DemandDemandDemandDemand

depositsdepositsdepositsdeposits

14.9%14.9%14.9%14.9%

SyndicatedSyndicatedSyndicatedSyndicated

loa ns &loa ns &loa ns &loa ns &

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

14.4%14.4%14.4%14.4%

OtherOtherOtherOther

l iabi l i t iesl iabi l i t iesl iabi l i t iesl iabi l i t ies

3.9%3.9%3.9%3.9%

Term dep ositsTerm dep ositsTerm dep ositsTerm dep osits

36.3%36.3%36.3%36.3%


18.5%18.5%18.5%18.5%

LongLongLongLong

term debtterm debtterm debtterm debt

12.0%12.0%12.0%12.0%

21

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

Profit after tax of US$ 14.4 mn in FY2013 compared to US$ 25.4 mProfit after tax of US$ 14.4 mn in FY2013 compared to US$ 25.4 mProfit after tax of US$ 14.4 mn in FY2013 compared to US$ 25.4 mProfit after tax of US$ 14.4 mn in FY2013 compared to US$ 25.4 mn in FY2012n in FY2012n in FY2012n in FY2012

Capital adequacy ratio at 30.8%Capital adequacy ratio at 30.8%Capital adequacy ratio at 30.8%Capital adequacy ratio at 30.8%

Proportion of retail term deposits in total deposits at 51% at MProportion of retail term deposits in total deposits at 51% at MProportion of retail term deposits in total deposits at 51% at MProportion of retail term deposits in total deposits at 51% at March 31, 2013arch 31, 2013arch 31, 2013arch 31, 2013

Total liabilities: USD 4.0Total liabilities: USD 4.0Total liabilities: USD 4.0Total liabilities: USD 4.0 bnbnbnbn

December 31, 2012 March 31, 2013

Total liabilities: USD 3.6 bnTotal liabilities: USD 3.6 bnTotal liabilities: USD 3.6 bnTotal liabilities: USD 3.6 bn



17.4%17.4%17.4%17.4%

SyndicatedSyndicatedSyndicatedSyndicated

loa ns &loa ns &loa ns &loa ns &

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

13.9%13.9%13.9%13.9%


l iabi l i t iesl iabi l i t iesl iabi l i t iesl iabi l i t ies

3.9%3.9%3.9%3.9%

Term depositsTerm depositsTerm depositsTerm deposits

32.8%32.8%32.8%32.8%


17.3%17.3%17.3%17.3%

LongLongLongLong

term debtterm deb tterm debtterm deb t

14.7%14.7%14.7%14.7%


22/33


23/33

2323

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

Profit after tax of CAD 43.6 mn in FY2013 compared to CAD 34.4 mProfit after tax of CAD 43.6 mn in FY2013 compared to CAD 34.4 mProfit after tax of CAD 43.6 mn in FY2013 compared to CAD 34.4 mProfit after tax of CAD 43.6 mn in FY2013 compared to CAD 34.4 mn in FY2012n in FY2012n in FY2012n in FY2012

Capital adequacy ratio at 33.2%Capital adequacy ratio at 33.2%Capital adequacy ratio at 33.2%Capital adequacy ratio at 33.2%

1.1.1.1. As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743mn from sale of securitised portfolio considered as partmn from sale of securitised portfolio considered as partmn from sale of securitised portfolio considered as partmn from sale of securitised portfolio considered as partof borrowings at December 31, 2012 and March 31,of borrowings at December 31, 2012 and March 31,of borrowings at December 31, 2012 and March 31,of borrowings at December 31, 2012 and March 31,

2013 respectively2013 respectively2013 respectively2013 respectively

Total liabilities: CAD 5.3 bnTotal liabilities: CAD 5.3 bnTotal liabilities: CAD 5.3 bnTotal liabilities: CAD 5.3 bn

March 31, 2013

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

BorrowingsBorrowingsBorrowingsBorrowings

31.2%31.2%31.2%31.2%


19.0%19.0%19.0%19.0%



15.5%15.5%15.5%15.5%


l iab i l i t iesl iab i l i t iesl iab i l i t iesl iab i l i t ies

1.0%1.0%1.0%1.0%

Term depo sitsTerm depositsTerm depo sitsTerm deposits

33.3%33.3%33.3%33.3%

December 31, 2012

1111 1111BorrowingsBorrowingsBorrowingsBorrowings

33.8%33.8%33.8%33.8%


19.1%19.1%19.1%19.1%



15.0%15.0%15.0%15.0%


l iab i l i t iesl iabi l i t iesl iab i l i t iesl iabi l i t ies

2.2%2.2%2.2%2.2%

Term depo sitsTerm depo sitsTerm depo sitsTerm depo sits

29.9%29.9%29.9%29.9%

2222


24/33

2424

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 securitiesbalances with central bank, government securitiesbalances with central bank, government securitiesbalances with central bank, government securitiesand nostro balancesand nostro balancesand nostro balancesand nostro balances

Total borrowings of USD 138 mn at March 31, 2013Total borrowings of USD 138 mn at March 31, 2013Total borrowings of USD 138 mn at March 31, 2013Total borrowings of USD 138 mn at March 31, 2013

Capital adequacy of 27.0% at March 31, 2013Capital adequacy of 27.0% at March 31, 2013Capital adequacy of 27.0% at March 31, 2013Capital adequacy of 27.0% at March 31, 2013

Net profit of USD 6.1 mn in FY2013 compared to USD 4.3 mn in FY2Net profit of USD 6.1 mn in FY2013 compared to USD 4.3 mn in FY2Net profit of USD 6.1 mn in FY2013 compared to USD 4.3 mn in FY2Net profit of USD 6.1 mn in FY2013 compared to USD 4.3 mn in FY2012012012012

December 31, 2012

Total assets: USD 246 mnTotal assets: USD 246 mnTotal assets: USD 246 mnTotal assets: USD 246 mn

March 31, 2013

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

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

investmentsinvestmentsinvestmentsinvestments

0.8%0.8%0.8%0.8%

CorporateCorporateCorporateCorporate

bondsbondsbondsbonds

1.0%1.0%1.0%1.0%

Cash & cashCash & cashCash & cashCash & cash

equivalentsequivalentsequivalentsequivalents29.7%29.7%29.7%29.7%

Retail loansRetail loansRetail loansRetail loans

15.6%15.6%15.6%15.6%

Loans toLoans toLoans toLoans to

corporates &corporates &corporates &corporates &

banksbanksbanksbanks

52.9%52.9%52.9%52.9%

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

investmentsinvestmentsinvestmentsinvestments

0.7%0.7%0.7%0.7%

CorporateCorporateCorporateCorporate

bondsbondsbondsbonds

0.8%0.8%0.8%0.8%

Cash & cashCash & cashCash & cashCash & cash

equivalentsequivalentsequivalentsequivalents30.2%30.2%30.2%30.2%

Retail loansRetail loansRetail loansRetail loans

14.9%14.9%14.9%14.9%

Loans toLoans toLoans toLoans to

corporates &corporates &corporates &corporates &

banksbanksbanksbanks

53.4%53.4%53.4%53.4%

1111 1111


25/33

25

Domestic subsidiariesDomestic subsidiariesDomestic subsidiariesDomestic subsidiaries


26/33

26

Investments and otherInvestments and otherInvestments and otherInvestments and other

assetsassetsassetsassets

11.3%11.3%11.3%11.3%

LoansLoansLoansLoans

88.7%88.7%88.7%88.7%

ICICI Home FinanceICICI Home FinanceICICI Home FinanceICICI Home Finance

Profit after tax ofProfit after tax ofProfit after tax ofProfit after tax of ` 2.202.202.202.20 bnbnbnbn in FY2013 compared toin FY2013 compared toin FY2013 compared toin FY2013 compared to ` 2.602.602.602.60 bnbnbnbn in FY2012in FY2012in FY2012in FY2012

Capital adequacy ratio of 28.8% at March 31, 2013Capital adequacy ratio of 28.8% at March 31, 2013Capital adequacy ratio of 28.8% at March 31, 2013Capital adequacy ratio of 28.8% at March 31, 2013

Net NPA ratio: 0.8%Net NPA ratio: 0.8%Net NPA ratio: 0.8%Net NPA ratio: 0.8%

At March 31, 2013: NetworthAt March 31, 2013: NetworthAt March 31, 2013: NetworthAt March 31, 2013: Networth ` 14.65 bn; Deposits14.65 bn; Deposits14.65 bn; Deposits14.65 bn; Deposits ` 3.82 bn and Borrowings3.82 bn and Borrowings3.82 bn and Borrowings3.82 bn and Borrowings `53.56 bn53.56 bn53.56 bn53.56 bn

December 31, 2012

Total assets:Total assets:Total assets:Total assets: ` 72.65 bn72.65 bn72.65 bn72.65 bn

March 31, 2013

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

Investments and otherInvestments and otherInvestments and otherInvestments and other

assetsassetsassetsassets

9.5%9.5%9.5%9.5%

LoansLoansLoansLoans

90.5%90.5%90.5%90.5%


27/33


28/33


29/33

29

Other subsidiariesOther subsidiariesOther subsidiariesOther subsidiaries

1.101.101.101.100.200.200.200.20

1.221.221.221.22

0.640.640.640.64

FY2013

0.880.880.880.880.680.680.680.68

0.860.860.860.86

0.780.780.780.78

FY2012

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

25.7% increase in consolidated profit after tax from25.7% increase in consolidated profit after tax from25.7% increase in consolidated profit after tax from25.7% increase in consolidated profit after tax from ` 76.4376.4376.4376.43bn in FY2012 tobn in FY2012 tobn in FY2012 tobn in FY2012 to ` 96.04 bn in FY201396.04 bn in FY201396.04 bn in FY201396.04 bn in FY2013

37.7% increase in consolidated profit after tax from37.7% increase in consolidated profit after tax from37.7% increase in consolidated profit after tax from37.7% increase in consolidated profit after tax from ` 18.10 bn18.10 bn18.10 bn18.10 bnin Q4in Q4in Q4in Q4----2012 to2012 to2012 to2012 to ` 24.92 bn in Q424.92 bn in Q424.92 bn in Q424.92 bn in Q4----2013201320132013

Consolidated return on average net worth for FY2013 atConsolidated return on average net worth for FY2013 atConsolidated return on average net worth for FY2013 atConsolidated return on average net worth for FY2013 at14.7% compared to 13.0% for FY201214.7% compared to 13.0% for FY201214.7% compared to 13.0% for FY201214.7% compared to 13.0% for FY2012

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 Q4) for Q4) for Q4) for Q4----2013 at 14.5% compared to 11.7% for Q42013 at 14.5% compared to 11.7% for Q42013 at 14.5% compared to 11.7% for Q42013 at 14.5% compared to 11.7% for Q4----2012201220122012

((((```



30/33

30

Key ratiosKey ratiosKey ratiosKey ratios


31/33

31

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

60760760760787.687.687.687.6

14.514.514.514.5

Q4-

2013

53053053053066.366.366.366.3

13.013.013.013.0

FY

2012

60760760760783.383.383.383.3

14.714.714.714.7

FY

2013

15.715.715.715.711.711.711.711.7Return on averageReturn on averageReturn on averageReturn on averagenetworthnetworthnetworthnetworth1,21,21,21,2

53053053053063.263.263.263.2

Q4-

2012

59859859859891.091.091.091.0

Q3-

2013

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


32/33


33/33

33

Thank youThank youThank youThank you

2013 05 Q4 FY2013 Investor Presentation

Documents

Transcript of 2013 05 Q4 FY2013 Investor Presentation