Performance Review: Q4----20132013 · FY2013: Performance highlights 28.8% increase in standalone...

Performance Review: Performance Review: Performance Review: Performance Review: Q4Q4Q4Q4----2013201320132013

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

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

� 28.8% increase in standalone profit after tax from 28.8% increase in standalone profit after tax from 28.8% increase in standalone profit after tax from 28.8% increase in standalone profit after tax from `̀̀̀64.65 bn in FY2012 64.65 bn in FY2012 64.65 bn in FY2012 64.65 bn in FY2012 (April 2011(April 2011(April 2011(April 2011----March 2012) to March 2012) to March 2012) to March 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 from full year net interest margin improved from full year net interest margin improved from full year net interest margin improved from 2.73% in FY2012 to 3.11% in FY2013 2.73% in FY2012 to 3.11% in FY2013 2.73% in FY2012 to 3.11% in FY2013 2.73% in FY2012 to 3.11% in FY2013

� 25.7% increase in consolidated profit after tax from 25.7% increase in consolidated profit after tax from 25.7% increase in consolidated profit after tax from 25.7% increase in consolidated profit after tax from `̀̀̀ 76.43 bn in FY2012 to 76.43 bn in FY2012 to 76.43 bn in FY2012 to 76.43 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

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 from 21.1% increase in standalone profit after tax from 21.1% increase in standalone profit after tax from 21.1% increase in standalone profit after tax from `̀̀̀

19.02 bn in Q419.02 bn in Q419.02 bn in Q419.02 bn in Q4----2012 2012 2012 2012 (January(January(January(January----March 2012) to March 2012) to March 2012) to March 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 from 37.7% increase in consolidated profit after tax from 37.7% increase in consolidated profit after tax from 37.7% 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 to 2012 to 2012 to 2012 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

� Advances increased by 14.4% yearAdvances increased by 14.4% yearAdvances increased by 14.4% yearAdvances increased by 14.4% year----onononon----year to year to year to year 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 compared 2013 compared 2013 compared 2013 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, 2013 Net NPA ratio of 0.64% at March 31, 2013 Net NPA ratio of 0.64% at March 31, 2013 Net 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

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

34.99 34.99 34.99 34.99

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

Operating Operating Operating Operating expensesexpensesexpensesexpenses1111

---- Other incomeOther incomeOther incomeOther income

---- Fee incomeFee incomeFee incomeFee income

NonNonNonNon----interest interest interest interest incomeincomeincomeincome

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

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

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

5,367.95

337.34337.34337.34337.34

2,902.492,902.492,902.492,902.49

201.98201.98201.98201.98

123.22123.22123.22123.22

923.76923.76923.76923.76

1,713.941,713.941,713.941,713.94

414.18414.18414.18414.18

March 31, 2013

11.6%11.6%11.6%11.6%193.42193.42193.42193.42181.03181.03181.03181.03---- RIDFRIDFRIDFRIDF1111 and relatedand relatedand relatedand related

6.3%6.3%6.3%6.3%924.11924.11924.11924.11869.39869.39869.39869.39---- SLR investmentsSLR investmentsSLR investmentsSLR investments

(1.1)%(1.1)%(1.1)%(1.1)%124.53124.53124.53124.53124.53124.53124.53124.53---- Equity investment inEquity investment inEquity investment inEquity investment inSubsidiariesSubsidiariesSubsidiariesSubsidiaries

4,890.69

395.52395.52395.52395.52

2,537.282,537.282,537.282,537.28

1,595.601,595.601,595.601,595.60

362.29362.29362.29362.29

March 31, 2012

7.4%7.4%7.4%7.4%1,668.421,668.421,668.421,668.42InvestmentsInvestmentsInvestmentsInvestments

5,273.39

326.02326.02326.02326.02

2,867.662,867.662,867.662,867.66

411.29411.29411.29411.29

December 31, 2012

9.8%

(14.7)%(14.7)%(14.7)%(14.7)%

14.4%14.4%14.4%14.4%

14.3%14.3%14.3%14.3%

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 ` ` ` ` 11.47 bn at March 31, 2013 (December 31, 2012: 11.47 bn at March 31, 2013 (December 31, 2012: 11.47 bn at March 31, 2013 (December 31, 2012: 11.47 bn at March 31, 2013 (December 31, 2012: `̀̀̀ 13.18 bn)13.18 bn)13.18 bn)13.18 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$ 56 mn at March 31, 2013 compared to US$ 59 mn at was US$ 56 mn at March 31, 2013 compared to US$ 59 mn at was US$ 56 mn at March 31, 2013 compared to US$ 59 mn at was US$ 56 mn at March 31, 2013 compared to US$ 59 mn at December 31, 2012 and US$ 201 mn at March 31, 2012December 31, 2012 and US$ 201 mn at March 31, 2012December 31, 2012 and US$ 201 mn at March 31, 2012December 31, 2012 and US$ 201 mn at March 31, 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

9

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

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

10

SME SME SME SME

5.2%5.2%5.2%5.2%

Retai l Retai l Retai l Retai l

businessbusinessbusinessbusiness

37.0%37.0%37.0%37.0%

Overseas Overseas Overseas Overseas

branchesbranchesbranchesbranches

25.3%25.3%25.3%25.3%

Domestic Domestic Domestic Domestic

corporatecorporatecorporatecorporate

32.5%32.5%32.5%32.5%

SME SME SME SME

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 participation bank participation bank participation bank participation certificatescertificatescertificatescertificates

March 31, 2012

Total loan book: `̀̀̀ 2,537 bn

11

March 31, 2013


2 2

3 3

11

OthersOthersOthersOthers

11.0%11.0%11.0%11.0%

Business Business Business Business

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%

Home Home Home Home

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 loans March 31, 2012: Vehicle loans includes auto loans March 31, 2012: Vehicle loans includes auto loans March 31, 2012: Vehicle loans includes auto loans 9.1%, 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%


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%

Retail loan growth of 25.6% excluding impact of bought out Retail loan growth of 25.6% excluding impact of bought out Retail loan growth of 25.6% excluding impact of bought out Retail loan growth of 25.6% excluding impact of bought out portfolio maturities & lower fresh buyoutsportfolio maturities & lower fresh buyoutsportfolio maturities & lower fresh buyoutsportfolio maturities & lower fresh buyouts

2

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 participation bank participation bank participation bank participation certificatescertificatescertificatescertificates

3

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

March 31, 2013


2

3

SME SME SME SME

5.2%5.2%5.2%5.2%

Retail Retail Retail Retail


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

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 loans December 31, 2012: Vehicle loans includes auto loans December 31, 2012: Vehicle loans includes auto loans December 31, 2012: Vehicle loans includes auto loans 10.0%, 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%


24.2%24.2%24.2%24.2%

Home Home Home Home

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%


25.1%25.1%25.1%25.1%

Home Home Home Home

54.1%54.1%54.1%54.1%1 2

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


15

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

5,273.39

266.53266.53266.53266.53

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

4,890.69

329.99329.99329.99329.99

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

5,367.95

321.34321.34321.34321.34

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-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 78.9% on the domestic balance Credit/deposit ratio of 78.9% on the domestic balance Credit/deposit ratio of 78.9% on the domestic balance Credit/deposit ratio of 78.9% on the domestic balance sheet 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 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

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

DomesticDomesticDomesticDomestic

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



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

� Gross retail NPLs at Gross retail NPLs at Gross retail NPLs at Gross retail NPLs at `̀̀̀ 41.76 bn and net retail NPLs at 41.76 bn and net retail NPLs at 41.76 bn and net retail NPLs at 41.76 bn and net retail NPLs at `̀̀̀ 5.24 bn 5.24 bn 5.24 bn 5.24 bn at March 31, 2013at March 31, 2013at March 31, 2013at March 31, 20131111

� Provisioning coverage ratio of 76.8% at March 31, 2013 Provisioning coverage ratio of 76.8% at March 31, 2013 Provisioning coverage ratio of 76.8% at March 31, 2013 Provisioning coverage ratio of 76.8% at March 31, 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 `̀̀̀ 53.15 bn at March 31, 2013 compared to 53.15 bn at March 31, 2013 compared to 53.15 bn at March 31, 2013 compared to 53.15 bn at March 31, 2013 compared to `̀̀̀ 45.62 45.62 45.62 45.62 bnbnbnbn at at at at December 31, 2012 and December 31, 2012 and December 31, 2012 and December 31, 2012 and `̀̀̀ 45.54 45.54 45.54 45.54 bnbnbnbn at March 31, 2012at March 31, 2012at March 31, 2012at March 31, 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: `̀̀̀ 16.24 bn 16.24 bn 16.24 bn 16.24 bn at March 31, 2013at March 31, 2013at March 31, 2013at March 31, 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%

21.8521.8521.8521.85

76.1876.1876.1876.18

98.0398.0398.0398.03

December 31, 2012

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

0.62%0.62%0.62%0.62%

18.9418.9418.9418.94

76.6976.6976.6976.69

95.6395.6395.6395.63

March 31, 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. Excludes business banking and rural retail loansExcludes business banking and rural retail loansExcludes business banking and rural retail loansExcludes business banking and rural retail loans

19

Overseas subsidiariesOverseas subsidiariesOverseas subsidiariesOverseas subsidiaries

20

Loans & Loans & Loans & Loans &

advancesadvancesadvancesadvances

64.5%64.5%64.5%64.5%

Asset backed Asset backed Asset backed Asset backed

securi tiessecuri tiessecuri tiessecuri ties

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

investmentsinvestmentsinvestmentsinvestments

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%

Loans & Loans & Loans & Loans &

advancesadvancesadvancesadvances

65.6%65.6%65.6%65.6%



2.1%2.1%2.1%2.1%

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


6.5%6.5%6.5%6.5%

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


8.0%8.0%8.0%8.0%Cash & l iquid Cash & l iquid Cash & l iquid Cash & l iquid


15.3%15.3%15.3%15.3%

Bonds/notes o f Bonds/notes o f Bonds/notes o f Bonds/notes o f

financia l financia l financia l financia l

insti tutionsinsti tutionsinsti tutionsinsti tutions

2.5%2.5%2.5%2.5%

20

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 of US$ 15 mn at March 31, 2013 (US$ 15linked credit derivatives of US$ 15 mn at March 31, 2013 (US$ 15linked credit derivatives of US$ 15 mn at March 31, 2013 (US$ 15linked credit derivatives of US$ 15 mn at March 31, 2013 (US$ 15

mn at December 31, 2012)mn at December 31, 2012)mn at December 31, 2012)mn at December 31, 2012)3.3.3.3. 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 4.0 Total assets: USD 4.0 Total assets: USD 4.0 Total assets: USD 4.0 bnbnbnbn

December 31, 2012 March 31, 2013

Total assets: USD 3.6 bnTotal assets: USD 3.6 bnTotal assets: USD 3.6 bnTotal assets: USD 3.6 bn

1111

3333

2222

1111

3333

2222

21

Demand Demand Demand Demand

deposi tsdeposi tsdeposi tsdeposi ts

14.9%14.9%14.9%14.9%

Synd icated Synd icated Synd icated Synd icated

loans & loans & loans & loans &

interbank interbank interbank interbank

borrowingsborrowingsborrowingsborrowings

14.4%14.4%14.4%14.4%

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

36.3%36.3%36.3%36.3%


18.5%18.5%18.5%18.5%

Long Long Long Long

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 4.0 Total liabilities: USD 4.0 Total liabilities: USD 4.0 Total 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%

Syndicated Syndicated Syndicated Syndicated

loans & loans & loans & loans &

interbank interbank interbank interbank

borrowingsborrowingsborrowingsborrowings

13.9%13.9%13.9%13.9%



3.9%3.9%3.9%3.9%


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%

22



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%



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%



14.2%14.2%14.2%14.2%

Insured Insured Insured Insured

mortg ag emortg ag emortg ag emortg ag e

30.9%30.9%30.9%30.9%



8.8%8.8%8.8%8.8%



0.3%0.3%0.3%0.3%

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


0.1%0.1%0.1%0.1%


customerscustomerscustomerscustomers

45.7%45.7%45.7%45.7%

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 March 31, linked credit derivatives of nil at March 31, linked credit derivatives of nil at March 31, linked credit derivatives of nil at March 31, 2013201320132013

3.3.3.3. Based on IFRS, securitised portfolio of CAD 1,583 mn and Based on IFRS, securitised portfolio of CAD 1,583 mn and Based on IFRS, securitised portfolio of CAD 1,583 mn and Based on IFRS, securitised portfolio of CAD 1,583 mn and CAD 1,745 mn considered as part of Insured mortgage CAD 1,745 mn considered as part of Insured mortgage CAD 1,745 mn considered as part of Insured mortgage CAD 1,745 mn considered as part of Insured mortgage portfolio at December 31, 2012 and March 31, 2013 portfolio at December 31, 2012 and March 31, 2013 portfolio at December 31, 2012 and March 31, 2013 portfolio at December 31, 2012 and March 31, 2013 respectivelyrespectivelyrespectivelyrespectively

December 31, 2012

Total assets: CAD 5.3 Total assets: CAD 5.3 Total assets: CAD 5.3 Total assets: CAD 5.3 bnbnbnbn

March 31, 2013

Total assets: CAD 5.4 bnTotal assets: CAD 5.4 bnTotal assets: CAD 5.4 bnTotal assets: CAD 5.4 bn

3333

2222

11113333

2222

1111

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 1,743 As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743 As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743 As per IFRS, proceeds of CAD 1,590 mn and CAD 1,743 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 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

Borrowing sBorrowing sBorrowing sBorrowing s

31.2%31.2%31.2%31.2%


19.0%19.0%19.0%19.0%



15.5%15.5%15.5%15.5%



1.0%1.0%1.0%1.0%


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%



2.2%2.2%2.2%2.2%


29.9%29.9%29.9%29.9%

2222

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 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 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



0.8%0.8%0.8%0.8%

Corporate Corporate Corporate Corporate

bondsbondsbondsbonds

1.0%1.0%1.0%1.0%

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

equivalentsequivalentsequivalentsequivalents

29.7%29.7%29.7%29.7%

Retail loansRetail loansRetail loansRetail loans

15.6%15.6%15.6%15.6%


corporates & corporates & corporates & corporates &

banksbanksbanksbanks

52.9%52.9%52.9%52.9%



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

25

Domestic subsidiariesDomestic subsidiariesDomestic subsidiariesDomestic subsidiaries

26

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%

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 `̀̀̀ 2.20 2.20 2.20 2.20 bnbnbnbn in FY2013 compared to in FY2013 compared to in FY2013 compared to in FY2013 compared to `̀̀̀ 2.60 2.60 2.60 2.60 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: Networth At March 31, 2013: Networth At March 31, 2013: Networth At March 31, 2013: Networth `̀̀̀ 14.65 bn; Deposits 14.65 bn; Deposits 14.65 bn; Deposits 14.65 bn; Deposits `̀̀̀ 3.82 bn and Borrowings 3.82 bn and Borrowings 3.82 bn and Borrowings 3.82 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 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%

272727

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 7.2%7.2%7.2%7.2%2222 for April 2012for April 2012for April 2012for April 2012----February 2013February 2013February 2013February 2013

� AnnualisedAnnualisedAnnualisedAnnualised premium equivalent increased by 18.6% from premium equivalent increased by 18.6% from premium equivalent increased by 18.6% from premium equivalent increased by 18.6% from `̀̀̀10.77 bn in Q410.77 bn in Q410.77 bn in Q410.77 bn in Q4----2012 to 2012 to 2012 to 2012 to `̀̀̀ 12.77 bn in Q412.77 bn in Q412.77 bn in Q412.77 bn in Q4----2013201320132013

17.9%17.9%17.9%17.9%

707.71707.71707.71707.71

13.8413.8413.8413.84

16.0%16.0%16.0%16.0%

5.005.005.005.00

31.1831.1831.1831.18

140.22140.22140.22140.22

95.8095.8095.8095.80

44.4144.4144.4144.41

FY2012

19.2%19.2%19.2%19.2%

741.64741.64741.64741.64

14.9614.9614.9614.96

15.0%15.0%15.0%15.0%

5.295.295.295.29

35.3235.3235.3235.32

135.38135.38135.38135.38

87.2987.2987.2987.29

48.0948.0948.0948.09

FY2013

New businessNew businessNew businessNew business received premiumreceived premiumreceived premiumreceived premium

Renewal premiumRenewal premiumRenewal premiumRenewal premium

Total premiumTotal premiumTotal premiumTotal premium

Annualised premium equivalent (APE)Annualised premium equivalent (APE)Annualised premium equivalent (APE)Annualised premium equivalent (APE)

New Business Profit (NBP)New Business Profit (NBP)New Business Profit (NBP)New Business Profit (NBP)

NBP marginNBP marginNBP marginNBP margin

Statutory profitStatutory profitStatutory profitStatutory profit

Assets Under ManagementAssets Under ManagementAssets Under ManagementAssets Under Management

Expense ratioExpense ratioExpense ratioExpense ratio1111

28

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. IRDA through its orders dated December 23, 2011, January 3, 2012IRDA through its orders dated December 23, 2011, January 3, 2012IRDA through its orders dated December 23, 2011, January 3, 2012IRDA through its orders dated December 23, 2011, January 3, 2012 and March 22, 2012 had and March 22, 2012 had and March 22, 2012 had and March 22, 2012 had directed the dismantling of the Pool on a clean cut basis and addirected the dismantling of the Pool on a clean cut basis and addirected the dismantling of the Pool on a clean cut basis and addirected the dismantling of the Pool on a clean cut basis and advised recognition of Pool vised recognition of Pool vised recognition of Pool vised recognition of Pool liabilities as per the loss ratios estimated by GAD UK (liabilities as per the loss ratios estimated by GAD UK (liabilities as per the loss ratios estimated by GAD UK (liabilities as per the loss ratios estimated by GAD UK (““““GAD EstimatesGAD EstimatesGAD EstimatesGAD Estimates””””) ) ) ) for all underwriting for all underwriting for all underwriting for all underwriting years commencing from the year ended March 31, 2008 to year endeyears commencing from the year ended March 31, 2008 to year endeyears commencing from the year ended March 31, 2008 to year endeyears commencing from the year ended March 31, 2008 to year ended March 31, 2012, with d March 31, 2012, with d March 31, 2012, with d March 31, 2012, with the option to recognise the same over a three year periodthe option to recognise the same over a three year periodthe option to recognise the same over a three year periodthe option to recognise the same over a three year period. ICICI General had . ICICI General had . ICICI General had . ICICI General had decided to decided to decided to decided to recognise the additional liabilities of the Pool in FY2012 recognise the additional liabilities of the Pool in FY2012 recognise the additional liabilities of the Pool in FY2012 recognise the additional liabilities of the Pool in FY2012 and therefore, the loss after tax of and therefore, the loss after tax of and therefore, the loss after tax of and therefore, the loss after tax of ICICI General of ICICI General of ICICI General of ICICI General of `̀̀̀ 4.16 bn for FY2012 includes the impact of additional Pool losse4.16 bn for FY2012 includes the impact of additional Pool losse4.16 bn for FY2012 includes the impact of additional Pool losse4.16 bn for FY2012 includes the impact of additional Pool losses of s of s of s of `̀̀̀ 6.85 6.85 6.85 6.85 bnbnbnbn

3.3.3.3. Includes impact of Includes impact of Includes impact of Includes impact of third party motor pool losses in Q4third party motor pool losses in Q4third party motor pool losses in Q4third party motor pool losses in Q4----2013 on account of actuarial valuation 2013 on account of actuarial valuation 2013 on account of actuarial valuation 2013 on account of actuarial valuation of the liability for the period FY2007 to FY2012of the liability for the period FY2007 to FY2012of the liability for the period FY2007 to FY2012of the liability for the period FY2007 to FY2012

4.4.4.4. Source: IRDASource: IRDASource: IRDASource: IRDA

(4.16)(4.16)(4.16)(4.16)2222

53.5853.5853.5853.58

FY2012

3.063.063.063.063333

64.2064.2064.2064.20

FY2013

PATPATPATPAT

Gross premiumGross premiumGross premiumGross premium1111

� Market share based on gross written premium was 9.8%Market share based on gross written premium was 9.8%Market share based on gross written premium was 9.8%Market share based on gross written premium was 9.8%4 4 4 4 for for for for April 2012April 2012April 2012April 2012----February 2013February 2013February 2013February 2013


29

Other subsidiariesOther subsidiariesOther subsidiariesOther subsidiaries

1.101.101.101.10

0.200.200.200.20

1.221.221.221.22

0.640.640.640.64

FY2013

0.880.880.880.88

0.680.680.680.68

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 from 25.7% increase in consolidated profit after tax from 25.7% increase in consolidated profit after tax from 25.7% increase in consolidated profit after tax from `̀̀̀ 76.43 76.43 76.43 76.43 bn in FY2012 to bn in FY2012 to bn in FY2012 to bn 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 from 37.7% increase in consolidated profit after tax from 37.7% increase in consolidated profit after tax from 37.7% increase in consolidated profit after tax from `̀̀̀ 18.10 bn 18.10 bn 18.10 bn 18.10 bn in Q4in Q4in Q4in Q4----2012 to 2012 to 2012 to 2012 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 at Consolidated return on average net worth for FY2013 at Consolidated return on average net worth for FY2013 at Consolidated return on average net worth for FY2013 at 14.7% compared to 13.0% for FY2012 14.7% compared to 13.0% for FY2012 14.7% compared to 13.0% for FY2012 14.7% 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

Key ratiosKey ratiosKey ratiosKey ratios

31

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

607607607607

87.687.687.687.6

14.514.514.514.5

Q4-

2013

530530530530

66.366.366.366.3

13.013.013.013.0

FY

2012

607607607607

83.383.383.383.3

14.714.714.714.7

FY

2013

15.715.715.715.711.711.711.711.7Return on average Return on average Return on average Return on average networthnetworthnetworthnetworth1,21,21,21,2

530530530530

63.263.263.263.2

Q4-

2012

598598598598

91.091.091.091.0

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

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

38.038.038.038.038.138.138.138.137.437.437.437.439.039.039.039.039.139.139.139.1Average CASA ratioAverage CASA ratioAverage CASA ratioAverage CASA ratio

40.940.940.940.9

39.539.539.539.5

31.031.031.031.0

3.073.073.073.07

582582582582

77.477.477.477.4

1.761.761.761.76

13.613.613.613.6

Q3-2013

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

FY

2013

41.941.941.941.9

40.040.040.040.0

29.629.629.629.6

3.333.333.333.33

578578578578

81.081.081.081.0

1.801.801.801.80

14.014.014.014.0

Q4-2013

43.543.543.543.5

42.942.942.942.9

36.936.936.936.9

2.732.732.732.73

524524524524

56.156.156.156.1

1.441.441.441.44

11.111.111.111.1

FY 2012

12.612.612.612.6Return on average Return on average Return on average Return on average networthnetworthnetworthnetworth1111

1.631.631.631.63Return on average assetsReturn on average assetsReturn on average assetsReturn on average assets1,21,21,21,2

43.543.543.543.5CASA ratio (period end)CASA ratio (period end)CASA ratio (period end)CASA ratio (period end)

41.641.641.641.6

32.532.532.532.5

3.013.013.013.01

524524524524

66.466.466.466.4

Q4-2012

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 and cbeen reclassified accordingly and return on average assets and cbeen reclassified accordingly and return on average assets and cbeen reclassified accordingly and return on average assets and cost to average assets ost to average assets ost to average assets ost to average assets have been rehave been rehave been rehave been re----computed to reflect this change.computed to reflect this change.computed to reflect this change.computed to reflect this change.

33

Thank youThank youThank youThank you

Performance Review: Q4----20132013 · FY2013: Performance highlights 28.8% increase in standalone...

Documents

Transcript of Performance Review: Q4----20132013 · FY2013: Performance highlights 28.8% increase in standalone...