Presented ByMirza Sakhawat UllahRitesh ChoudhurySreyans SethiaSumant Samantray

ICICI Bank – An IntroductionAssets & LiabilitiesOff-Balance sheet operationsFinancial Performance

Largest private sector bank by market cap and 2nd 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)

2008-09 2007-08 2008-09 2007-08

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)

2008-09 2007-08 2008-09 2007-08

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 2008-09

SCBs(YoY) ICICI(YoY)

2008-09 2007-08 2008-09 2007-08

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 2008-09

SCBs(YoY) ICICI(YoY)

2008-09 2007-08 2008-09 2007-08

Growth in aggregate Loans & Advances

21.2% 25%

SCBs(YoY) ICICI(YoY)

2008-09 2007-08 2008-09 2007-08

Priority Sector Advances 15.9% 13.5% 3.89%

SCBs(YoY) ICICI(YoY)

2008-09 2007-08 2008-09 2007-08

Growth in lending to Small, Medium and Large

21.6% 24.3% 3.89%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

As a % of total priority sector advance

26.5% 28.5% 3.89%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

As a % of total priority sector advance

21.3% 24.5% 3.89%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

Overall Investments(As a % of NDTL)

23.1% 23.8%

Non SLR Investments 10.5% 14.3% 3.89%

SCBs(YoY) ICICI(YoY)

2008-09 2007-08 2008-09 2007-08

Growth of International Assets

3% 9.7%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

Maturity Structure 1 to 3 years

Up to 1 year

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

As a % of Total Asset 26.4% 34.2%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

Income to Asset Ratio 8.8% 8.5% 10.20% 9.90%

Growth in Interest Income 26% 33.2% 14.6%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

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%

SCBs ICICI

2008-09 2007-08 2008-09 2007-08

Growth in Net Profit 23.5% 36.9% 9.61%

Net Profits to Asset Ratio 1.02 0.99 1.63 1.29

ROE 13.2% 12.5% 7.7% 11.1%

Efficiency Ratio[Op Exp/(Net Interest Income + Non Interest Income] 44.5% 48%

39% 39%