2011 01 q3 2011 investor presentation

8/2/2019 2011 01 Q3 2011 Investor Presentation

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OverviewOverviewOverviewOverview


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Q3Q3Q3Q3----2011: Balance sheet highlights2011: Balance sheet highlights2011: Balance sheet highlights2011: Balance sheet highlights

15.3% increase in advances year15.3% increase in advances year15.3% increase in advances year15.3% increase in advances year----onononon----year toyear toyear toyear to```2,066.92 bn at December 31, 2010 from2,066.92 bn at December 31, 2010 from2,066.92 bn at December 31, 2010 from2,066.92 bn at December 31, 2010 from```1,792.691,792.691,792.691,792.69bn at December 31, 2009bn at December 31, 2009bn at December 31, 2009bn at December 31, 2009

Current and savings account (CASA) ratioCurrent and savings account (CASA) ratioCurrent and savings account (CASA) ratioCurrent and savings account (CASA) ratioincreased to 44.2% at December 31, 2010 fromincreased to 44.2% at December 31, 2010 fromincreased to 44.2% at December 31, 2010 fromincreased to 44.2% at December 31, 2010 from39.6% at December 31, 200939.6% at December 31, 200939.6% at December 31, 200939.6% at December 31, 2009

Net nonNet nonNet nonNet non----performing asset ratio declined to 1.16%performing asset ratio declined to 1.16%performing asset ratio declined to 1.16%performing asset ratio declined to 1.16%at December 31, 2010 from 2.19% at December 31,at December 31, 2010 from 2.19% at December 31,at December 31, 2010 from 2.19% at December 31,at December 31, 2010 from 2.19% at December 31,2009200920092009

Strong capital adequacy ratio of 19.98% and TierStrong capital adequacy ratio of 19.98% and TierStrong capital adequacy ratio of 19.98% and TierStrong capital adequacy ratio of 19.98% and Tier----1111capital adequacy of 13.72%capital adequacy of 13.72%capital adequacy of 13.72%capital adequacy of 13.72%


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Unconsolidated financialsUnconsolidated financialsUnconsolidated financialsUnconsolidated financials


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

40.25

13.2013.2013.2013.20

53.4543.8743.8743.8743.87

97.32

FY

2010

11.01

2.662.662.662.66

13.6710.0210.0210.0210.02

23.69

Q3-

2010

30.19

9.179.179.179.17

39.3633.9733.9733.9733.97

73.33

9M-

2010

(1.1)%67.4223.4322.12Operating profit

14.37

4.414.414.414.41

18.784.654.654.654.65

Q3-

2011

36.99

11.4011.4011.4011.40

48.3919.0319.0319.0319.03

9M-

2011

(53.6)%(53.6)%(53.6)%(53.6)%6.416.416.416.41ProvisionsProvisionsProvisionsProvisions

12.36

3.353.353.353.35

15.71

Q2-

2011

30.5%

65.8%65.8%65.8%65.8%

37.4%

Q3-o-Q3

growth

Profit before tax

Profit after tax

TaxTaxTaxTax

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


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SMESMESMESME

4.2%4.2%4.2%4.2%

RuralRuralRuralRural

7.4%7.4%7.4%7.4%

RetailRetailRetailRetail

businessbusinessbusinessbusiness

groupgroupgroupgroup

38.2%38.2%38.2%38.2%

OverseasOverseasOverseasOverseas

branchesbranchesbranchesbranches24.4%24.4%24.4%24.4%

DomesticDomesticDomesticDomestic

corporatecorporatecorporatecorporate

25.8%25.8%25.8%25.8%

SMESMESMESME

4.4%4.4%4.4%4.4%

RuralRuralRuralRural

6.8%6.8%6.8%6.8%

RetailRetailRetailRetail

businessbusinessbusinessbusiness

groupgroupgroupgroup

40.2%40.2%40.2%40.2%

OverseasOverseasOverseasOverseas

branchesbranchesbranchesbranches25.1%25.1%25.1%25.1%


corporatecorporatecorporatecorporate

23.5%23.5%23.5%23.5%

Composition of total loan bookComposition of total loan bookComposition of total loan bookComposition of total loan book

Total loan book:```2,067 bnTotal loan book:```1,942 bn

1. Retail business group includes builder loans anddealer funding

At September 30, 2010 At December 31, 2010

1111 1111


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VehicleVehicleVehicleVehicle

loansloansloansloans

24.9%24.9%24.9%24.9% HomeHomeHomeHome

65.5%65.5%65.5%65.5%

PersonalPersonalPersonalPersonal


3.2%3.2%3.2%3.2%OtherOtherOtherOther

securedsecuredsecuredsecured

2.4%2.4%2.4%2.4%

CreditCreditCreditCredit

cardscardscardscards

4.0%4.0%4.0%4.0%

VehicleVehicleVehicleVehicle


24.5%24.5%24.5%24.5% HomeHomeHomeHome

64.5%64.5%64.5%64.5%

PersonalPersonalPersonalPersonal


4.0%4.0%4.0%4.0%OtherOtherOtherOther

securedsecuredsecuredsecured

2.6%2.6%2.6%2.6%

CreditCreditCreditCredit

cardscardscardscards

4.4%4.4%4.4%4.4%

Composition of retail loan bookComposition of retail loan bookComposition of retail loan bookComposition of retail loan book

Total retail loan book:```790 bnTotal retail loan book:```781 bn

1. September 30, 2010 :Vehicle loans includes auto loans9.0%, commercial business 15.3%

2. December 31, 2010 :Vehicle loans includes auto loans

8.9%, commercial business 16.0%


11112222


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

121.00

0.140.140.140.14

0.050.050.050.05

0.610.610.610.61

0.870.870.870.87

1.581.581.581.58

3.003.003.003.00

10.9610.9610.9610.96

11.1211.1211.1211.12

23.2523.2523.2523.25

33.5033.5033.5033.50

35.9335.9335.9335.93

December

31, 2009

122.00

0.140.140.140.14

0.050.050.050.05

0.610.610.610.61

1.871.871.871.87

1.581.581.581.58

3.003.003.003.00

10.9610.9610.9610.96

11.1211.1211.1211.12

23.2523.2523.2523.25

33.5033.5033.5033.50

35.9335.9335.9335.93

September

30, 2010

11.1211.1211.1211.12ICICI Home FinanceICICI Home FinanceICICI Home FinanceICICI Home Finance

23.2523.2523.2523.25ICICI Bank UKICICI Bank UKICICI Bank UKICICI Bank UK

0.610.610.610.61ICICI AMCICICI AMCICICI AMCICICI AMC

33.5033.5033.5033.50ICICI Bank CanadaICICI Bank CanadaICICI Bank CanadaICICI Bank Canada

3.003.003.003.00ICICI Bank Eurasia LLCICICI Bank Eurasia LLCICICI Bank Eurasia LLCICICI Bank Eurasia LLC

10.9610.9610.9610.96ICICI Lombard General InsuranceICICI Lombard General InsuranceICICI Lombard General InsuranceICICI Lombard General Insurance

1.581.581.581.58ICICI Securities Primary DealershipICICI Securities Primary DealershipICICI Securities Primary DealershipICICI Securities Primary Dealership

0.140.140.140.14OthersOthersOthersOthers

122.00

0.050.050.050.05

1.871.871.871.87

35.9335.9335.9335.93

December

31, 2010

Total

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

ICICI Securities LimitedICICI Securities LimitedICICI Securities LimitedICICI Securities Limited

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

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


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

26.5%26.5%26.5%26.5%645.77645.77645.77645.77632.48632.48632.48632.48510.54510.54510.54510.54---- SavingsSavingsSavingsSavings

16.3%16.3%16.3%16.3%316.23316.23316.23316.23348.57348.57348.57348.57271.93271.93271.93271.93---- CurrentCurrentCurrentCurrent

3,562.28

145.06145.06145.06145.06

918.29918.29918.29918.29

1,976.531,976.531,976.531,976.53

511.26511.26511.26511.26

11.1411.1411.1411.14

522.40522.40522.40522.40

December

31, 2009

3,899.98

159.19159.19159.19159.19

970.10970.10970.10970.10

2,230.942,230.942,230.942,230.94

528.24528.24528.24528.24

11.5111.5111.5111.51

539.75539.75539.75539.75

September

30, 2010

3,928.97

143.94143.94143.94143.94

1,053.271,053.271,053.271,053.27

2,177.472,177.472,177.472,177.47

542.78542.78542.78542.78

11.5111.5111.5111.51

554.29554.29554.29554.29

December

31, 2010

10.3%

(0.8)%(0.8)%(0.8)%(0.8)%

14.7%14.7%14.7%14.7%

10.2%10.2%10.2%10.2%

6.2%6.2%6.2%6.2%

3.3%3.3%3.3%3.3%

6.1%6.1%6.1%6.1%

Y-o-Y

growth

BorrowingsBorrowingsBorrowingsBorrowings1111

Total liabilities

Other liabilitiesOther liabilitiesOther liabilitiesOther liabilities

DepositsDepositsDepositsDeposits

---- ReservesReservesReservesReserves

---- Equity capitalEquity capitalEquity capitalEquity capital

Net worthNet worthNet worthNet worth


Credit/deposit ratio of 75% on the domestic balance sheetCredit/deposit ratio of 75% on the domestic balance sheetCredit/deposit ratio of 75% on the domestic balance sheetCredit/deposit ratio of 75% on the domestic balance sheetat December 31, 2010at December 31, 2010at December 31, 2010at December 31, 2010

Including impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movementIncluding impact of exchange rate movement

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 bn


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Composition of borrowingsComposition of borrowingsComposition of borrowingsComposition of borrowings

918.29487.50487.50487.50487.50

15.7515.7515.7515.75

503.25503.25503.25503.25

143.80143.80143.80143.80

271.24271.24271.24271.24

415.04415.04415.04415.04

December

31, 2009

543.76543.76543.76543.76488.59488.59488.59488.59OverseasOverseasOverseasOverseas

175.97175.97175.97175.97147.91147.91147.91147.91---- Other borrowingsOther borrowingsOther borrowingsOther borrowings

333.54333.54333.54333.54333.60333.60333.60333.60---- Capital instrumentsCapital instrumentsCapital instrumentsCapital instruments1111

1,053.27528.62528.62528.62528.62

15.1415.1415.1415.14

509.51509.51509.51509.51

December

31, 2010

970.10473.37473.37473.37473.37

15.2215.2215.2215.22

481.51481.51481.51481.51

September

30, 2010

Total borrowings---- Other borrowingsOther borrowingsOther borrowingsOther borrowings

---- Capital instrumentsCapital instrumentsCapital instrumentsCapital instruments


Capital instruments constitute 65% of domestic borrowingsCapital instruments constitute 65% of domestic borrowingsCapital instruments constitute 65% of domestic borrowingsCapital instruments constitute 65% 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



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

763.39763.39763.39763.39736.02736.02736.02736.02717.74717.74717.74717.74----Off balance sheetOff balance sheetOff balance sheetOff balance sheet

2,536.262,536.262,536.262,536.262,430.782,430.782,430.782,430.782,363.772,363.772,363.772,363.77----On balance sheetOn balance sheetOn balance sheetOn balance sheet

3,166.803,166.803,166.803,166.80

204.02204.02204.02204.02

436.55436.55436.55436.55

640.57640.57640.57640.57

`bn

September 30,

2010

6.44%6.44%6.44%6.44%

13.79%13.79%13.79%13.79%

20.23%20.23%20.23%20.23%

%

6.26%6.26%6.26%6.26%

13.72%13.72%13.72%13.72%

19.98%19.98%19.98%19.98%

%

3,299.653,299.653,299.653,299.65

206.56206.56206.56206.56

452.63452.63452.63452.63

659.19659.19659.19659.19

`bn

December 31,

2010

3,081.513,081.513,081.513,081.51

159.30159.30159.30159.30

438.44438.44438.44438.44

597.74597.74597.74597.74

`bn

December 31,

2009

5.17%5.17%5.17%5.17%

14.23%14.23%14.23%14.23%

19.40%19.40%19.40%19.40%

%

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


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Key ratiosKey ratiosKey ratiosKey ratios

1.71.71.71.71.71.71.71.71.61.61.61.61.61.61.61.61.51.51.51.51.61.61.61.6Cost to average assets (incl.Cost to average assets (incl.Cost to average assets (incl.Cost to average assets (incl.DMA)DMA)DMA)DMA)2222

39.639.639.639.6

36.536.536.536.535.835.835.835.8

2.52.52.52.5

469469469469

36.036.036.036.0

1.11.11.11.1

7.87.87.87.8

9M-

2010

44.044.044.044.0

41.041.041.041.042.442.442.442.4

2.62.62.62.6

470470470470

43.343.343.343.3

1.31.31.31.3

9.29.29.29.2

Q2-

2011

1.31.31.31.31.51.51.51.51.21.21.21.21.11.11.11.1Return on average assetsReturn on average assetsReturn on average assetsReturn on average assets2222

44.244.244.244.244.244.244.244.239.639.639.639.641.741.741.741.7CASA ratioCASA ratioCASA ratioCASA ratio

36.236.236.236.238.338.338.338.3

2.62.62.62.6

469469469469

39.239.239.239.2

8.48.48.48.4

Q3-

2010

42.142.142.142.140.140.140.140.1

2.62.62.62.6

481481481481

49.549.549.549.5

10.410.410.410.4

Q3-

2011

41.141.141.141.140.440.440.440.4

2.62.62.62.6

481481481481

43.343.343.343.3

9.29.29.29.2

9M-

2011

36.636.636.636.6Fee to incomeFee to incomeFee to incomeFee to income37.037.037.037.0

2.52.52.52.5

463463463463

36.136.136.136.1

7.97.97.97.9

FY

2010

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

Cost to income (incl. DMA)Cost to income (incl. DMA)Cost to income (incl. DMA)Cost to income (incl. DMA)

Net interest marginNet interest marginNet interest marginNet interest margin2222

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

Return on average net worthReturn on average net worthReturn on average net worthReturn on average net worth1, 21, 21, 21, 2

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

1.1.1.1. Based on quarterly average net worthBased on quarterly average net worthBased on quarterly average net worthBased on quarterly average net worth

2.2.2.2. AnnualisedAnnualisedAnnualisedAnnualised for all interim periodsfor all interim periodsfor all interim periodsfor all interim periods


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Asset quality and provisioningAsset quality and provisioningAsset quality and provisioningAsset quality and provisioning

Gross retail NPLs atGross retail NPLs atGross retail NPLs atGross retail NPLs at```67.14 bn and net retail NPLs at67.14 bn and net retail NPLs at67.14 bn and net retail NPLs at67.14 bn and net retail NPLs at```14.3014.3014.3014.30bn at December 31, 2010bn at December 31, 2010bn at December 31, 2010bn at December 31, 2010

Net restructured loans ofNet restructured loans ofNet restructured loans ofNet restructured loans of```25.62 bn at December 31, 201025.62 bn at December 31, 201025.62 bn at December 31, 201025.62 bn at December 31, 2010

Outstanding general provision on standard assets:Outstanding general provision on standard assets:Outstanding general provision on standard assets:Outstanding general provision on standard assets:```14.80 bn14.80 bn14.80 bn14.80 bn

at December 31, 2010at December 31, 2010at December 31, 2010at December 31, 2010 Provisioning coverage ratio of 71.8% at December 31, 2010Provisioning coverage ratio of 71.8% at December 31, 2010Provisioning coverage ratio of 71.8% at December 31, 2010Provisioning coverage ratio of 71.8% at December 31, 2010

computed in accordance with RBI guidelinescomputed in accordance with RBI guidelinescomputed in accordance with RBI guidelinescomputed in accordance with RBI guidelines


1.37%1.37%1.37%1.37%

31.9231.9231.9231.92

70.4170.4170.4170.41

102.33102.33102.33102.33

September

30, 2010

2.19%2.19%2.19%2.19%

44.1644.1644.1644.16

46.5446.5446.5446.54

90.7090.7090.7090.70

December

31, 2009

1.16%1.16%1.16%1.16%

28.7328.7328.7328.73

73.5773.5773.5773.57

102.30102.30102.30102.30

December

31, 2010

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


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Overseas subsidiariesOverseas subsidiariesOverseas subsidiariesOverseas subsidiaries


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

Total liabilities: USD 7.0 bnTotal liabilities: USD 7.0 bnTotal liabilities: USD 7.0 bnTotal liabilities: USD 7.0 bn


Total liabilities: USD 7.2 bnTotal liabilities: USD 7.2 bnTotal liabilities: USD 7.2 bnTotal liabilities: USD 7.2 bn

Profit after tax of USD 28.3 mn in 9MProfit after tax of USD 28.3 mn in 9MProfit after tax of USD 28.3 mn in 9MProfit after tax of USD 28.3 mn in 9M----2011 as compared to2011 as compared to2011 as compared to2011 as compared toUSD 24.8 mn in 9MUSD 24.8 mn in 9MUSD 24.8 mn in 9MUSD 24.8 mn in 9M----2010201020102010

Capital adequacy ratio at 21.2%Capital adequacy ratio at 21.2%Capital adequacy ratio at 21.2%Capital adequacy ratio at 21.2%

Net MTM writeback of USD 1.9 mn (postNet MTM writeback of USD 1.9 mn (postNet MTM writeback of USD 1.9 mn (postNet MTM writeback of USD 1.9 mn (post----tax) in reserves intax) in reserves intax) in reserves intax) in reserves in9M9M9M9M----2011201120112011

Proportion of retail term deposits in total deposits at 75% atProportion of retail term deposits in total deposits at 75% atProportion of retail term deposits in total deposits at 75% atProportion of retail term deposits in total deposits at 75% atDecember 31, 2010December 31, 2010December 31, 2010December 31, 2010

DemandDemandDemandDemand

depositsdepositsdepositsdeposits

14.4%14.4%14.4%14.4%

SyndicatedSyndicatedSyndicatedSyndicated

loans &loans &loans &loans &

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

8.0%8.0%8.0%8.0%

OtherOtherOtherOther

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

5.5%5.5%5.5%5.5%

Term depo sitsTerm depo sitsTerm depo sitsTerm depo sits

50.8%50.8%50.8%50.8%


9.3%9.3%9.3%9.3%

LongLongLongLong

term Debtterm Debtterm Debtterm Debt

12.0%12.0%12.0%12.0%

LongLongLongLong

term Debtterm Debtterm Debtterm Debt

10.1%10.1%10.1%10.1%


9.0%9.0%9.0%9.0%

Term depositsTerm depo sitsTerm depositsTerm depo sits50.6%50.6%50.6%50.6%



5.7%5.7%5.7%5.7%

SyndicatedSyndicatedSyndicatedSyndicated

loans &loans &loans &loans &

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

8.1%8.1%8.1%8.1%



16.5%16.5%16.5%16.5%


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Cash & liquidCash & liquidCash & liquidCash & liquid

securitiessecuritiessecuritiessecurities

16.4%16.4%16.4%16.4%

FederallyFederallyFederallyFederally

insuredinsuredinsuredinsured

mortgagemortgagemortgagemortgage

3.9%3.9%3.9%3.9%

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

investmentsinvestmentsinvestmentsinvestments

7.6%7.6%7.6%7.6%

Asset backedAsset backedAsset backedAsset backed


1.7%1.7%1.7%1.7%

India linkedIndia linkedIndia linkedIndia linked


2.6%2.6%2.6%2.6%

Loans t oLoans toLoans t oLoans to

customerscustomerscustomerscustomers

67.8%67.8%67.8%67.8%

Cash & liquidCash & liquidCash & liquidCash & liquid


15.2%15.2%15.2%15.2%

FederallyFederallyFederallyFederally

insuredinsuredinsuredinsured

mortgagemortgagemortgagemortgage

6.7%6.7%6.7%6.7%



7.8%7.8%7.8%7.8%

Asset backedAsset backedAsset backedAsset backed


1.7%1.7%1.7%1.7%

India linkedIndia linkedIndia linkedIndia linked


2.5%2.5%2.5%2.5%

Loans t oLoans t oLoans t oLoans t o

customerscustomerscustomerscustomers

66.1%66.1%66.1%66.1%

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 governmentIncludes cash & advances to banks and governmentIncludes cash & advances to banks and governmentIncludes cash & advances to banks and governmentsecuritiessecuritiessecuritiessecurities

2.2.2.2. Includes IndiaIncludes IndiaIncludes IndiaIncludes India----linked credit derivatives of CAD 80 mn atlinked credit derivatives of CAD 80 mn atlinked credit derivatives of CAD 80 mn atlinked credit derivatives of CAD 80 mn atDecember 31, 2010 (CAD 88 mn at September 30, 2010)December 31, 2010 (CAD 88 mn at September 30, 2010)December 31, 2010 (CAD 88 mn at September 30, 2010)December 31, 2010 (CAD 88 mn at September 30, 2010)

Total assets: CAD 4.7 bnTotal assets: CAD 4.7 bnTotal assets: CAD 4.7 bnTotal assets: CAD 4.7 bn

2222

1111


Total assets: CAD 5.0 bnTotal assets: CAD 5.0 bnTotal assets: CAD 5.0 bnTotal assets: CAD 5.0 bn

2222

1111


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

Total liabilities: CAD 4.7 bnTotal liabilities: CAD 4.7 bnTotal liabilities: CAD 4.7 bnTotal liabilities: CAD 4.7 bn

Profit after tax of CAD 24.8 mn in 9MProfit after tax of CAD 24.8 mn in 9MProfit after tax of CAD 24.8 mn in 9MProfit after tax of CAD 24.8 mn in 9M----2011 as compared2011 as compared2011 as compared2011 as comparedto CAD 27.5 mn in 9Mto CAD 27.5 mn in 9Mto CAD 27.5 mn in 9Mto CAD 27.5 mn in 9M----2010201020102010

Capital adequacy ratio at 26.1%Capital adequacy ratio at 26.1%Capital adequacy ratio at 26.1%Capital adequacy ratio at 26.1%


Total liabilities: CAD 5.0 bnTotal liabilities: CAD 5.0 bnTotal liabilities: CAD 5.0 bnTotal liabilities: CAD 5.0 bn

BorrowingsBorrowingsBorrowingsBorrowings

1.6%1.6%1.6%1.6%


20.8%20.8%20.8%20.8%



15.1%15.1%15.1%15.1%



2.3%2.3%2.3%2.3%Term depositsTerm depo sitsTerm depositsTerm depo sits

60.2%60.2%60.2%60.2%BorrowingsBorrowingsBorrowingsBorrowings

1.5%1.5%1.5%1.5%


19.4%19.4%19.4%19.4%



14.9%14.9%14.9%14.9%



2.7%2.7%2.7%2.7% Term depositsTerm depositsTerm depositsTerm deposits

61.5%61.5%61.5%61.5%


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1.3%1.3%1.3%1.3%

CorporateCorporateCorporateCorporate

bondsbondsbondsbonds

1.7%1.7%1.7%1.7%PromissoryPromissoryPromissoryPromissory

notesnotesnotesnotes

2.6%2.6%2.6%2.6%

Cash & cashCash & cashCash & cashCash & cash

equivalentsequivalentsequivalentsequivalents

46.0%46.0%46.0%46.0%

Retail loansRetail loansRetail loansRetail loans

15.7%15.7%15.7%15.7%

Loans toLoans toLoans toLoans to

corporates &corporates &corporates &corporates &

banksbanksbanksbanks

32.7%32.7%32.7%32.7%



2.9%2.9%2.9%2.9%

CorporateCorporateCorporateCorporate

bondsbondsbondsbonds

3.5%3.5%3.5%3.5%

PromissoryPromissoryPromissoryPromissory

notesnotesnotesnotes

10.1%10.1%10.1%10.1%

Cash & cashCash & cashCash & cashCash & cash

equivalentsequivalentsequivalentsequivalents17.5%17.5%17.5%17.5%

Retail loansRetail loansRetail loansRetail loans

22.0%22.0%22.0%22.0%

Loans toLoans toLoans toLoans to

corporates &corporates &corporates &corporates &

banksbanksbanksbanks

44.0%44.0%44.0%44.0%

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

Total assets: USD 367 mnTotal assets: USD 367 mnTotal assets: USD 367 mnTotal assets: USD 367 mn

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 andbalances with central bank andbalances with central bank andbalances with central bank and nostronostronostronostro balancesbalancesbalancesbalances

Total borrowings of USD 242 mn at December 31, 2010Total borrowings of USD 242 mn at December 31, 2010Total borrowings of USD 242 mn at December 31, 2010Total borrowings of USD 242 mn at December 31, 2010

Capital adequacy of 31.8% at December 31, 2010Capital adequacy of 31.8% at December 31, 2010Capital adequacy of 31.8% at December 31, 2010Capital adequacy of 31.8% at December 31, 2010

Profit after tax for 9MProfit after tax for 9MProfit after tax for 9MProfit after tax for 9M----2011 USD 4 mn2011 USD 4 mn2011 USD 4 mn2011 USD 4 mn

1111


Total assets: USD 274 mnTotal assets: USD 274 mnTotal assets: USD 274 mnTotal assets: USD 274 mn

1111


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Domestic subsidiariesDomestic subsidiariesDomestic subsidiariesDomestic subsidiaries


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ICICI Home FinanceICICI Home FinanceICICI Home FinanceICICI Home Finance

Total assets:Total assets:Total assets:Total assets:```94 bn94 bn94 bn94 bn

Profit after tax ofProfit after tax ofProfit after tax ofProfit after tax of```1.61 bn in 9M1.61 bn in 9M1.61 bn in 9M1.61 bn in 9M----2011 compared to2011 compared to2011 compared to2011 compared to```0.98 bn in 9M0.98 bn in 9M0.98 bn in 9M0.98 bn in 9M----2010201020102010

Capital adequacy ratio of 20.1% at December 31, 2010Capital adequacy ratio of 20.1% at December 31, 2010Capital adequacy ratio of 20.1% at December 31, 2010Capital adequacy ratio of 20.1% at December 31, 2010

Net NPA ratio: 1.4%Net NPA ratio: 1.4%Net NPA ratio: 1.4%Net NPA ratio: 1.4%

At December 31, 2010: NetworthAt December 31, 2010: NetworthAt December 31, 2010: NetworthAt December 31, 2010: Networth```13 bn; Deposits13 bn; Deposits13 bn; Deposits13 bn; Deposits```26 bn and Borrowings26 bn and Borrowings26 bn and Borrowings26 bn and Borrowings```55 bn55 bn55 bn55 bn

Fixed & other

assets

0.7%

Loans

94.9%

Investments

4.4%


Total assets:Total assets:Total assets:Total assets:```101 bn101 bn101 bn101 bn

Fixed & other

assets

0.5%

Loans

95.1%

Investments

4.4%


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ICICI GeneralICICI GeneralICICI GeneralICICI General

Continued market leadership in private sectorContinued market leadership in private sectorContinued market leadership in private sectorContinued market leadership in private sector2222

1.1.1.1. Excluding remittances from third party motorExcluding remittances from third party motorExcluding remittances from third party motorExcluding remittances from third party motorpool and including premium on reinsurancepool and including premium on reinsurancepool and including premium on reinsurancepool and including premium on reinsuranceacceptedacceptedacceptedaccepted

2.2.2.2. For the period April 2010For the period April 2010For the period April 2010For the period April 2010 ---- December 2010December 2010December 2010December 2010

2.102.102.102.101.321.321.321.32PATPATPATPAT

32.5032.5032.5032.5025.1225.1225.1225.12Gross premiumGross premiumGross premiumGross premium1111

9M-20119M-2010((((```

billion)billion)billion)billion)


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Other subsidiariesOther subsidiariesOther subsidiariesOther subsidiaries

1.071.071.071.07

0.390.390.390.39

0.830.830.830.83

0.900.900.900.90

9M-2010

0.520.520.520.52ICICI Prudential Asset ManagementICICI Prudential Asset ManagementICICI Prudential Asset ManagementICICI Prudential Asset ManagementCompanyCompanyCompanyCompany

0.890.890.890.89ICICI Securities Ltd.ICICI Securities Ltd.ICICI Securities Ltd.ICICI Securities Ltd.

0.710.710.710.71

0.360.360.360.36

9M-2011Profit after tax

ICICI VentureICICI VentureICICI VentureICICI Venture

ICICI Securities PDICICI Securities PDICICI Securities PDICICI Securities PD

Consolidated profit after tax increased by 36.0% toConsolidated profit after tax increased by 36.0% toConsolidated profit after tax increased by 36.0% toConsolidated profit after tax increased by 36.0% to```45.2545.2545.2545.25

bnbnbnbn1111 in 9Min 9Min 9Min 9M----2011 compared to2011 compared to2011 compared to2011 compared to```33.28 bn in 9M33.28 bn in 9M33.28 bn in 9M33.28 bn in 9M----2010201020102010 Consolidated profit after tax for Q3Consolidated profit after tax for Q3Consolidated profit after tax for Q3Consolidated profit after tax for Q3----2011 at2011 at2011 at2011 at```20.39 bn20.39 bn20.39 bn20.39 bn1111

Consolidated return on average net worth for 9MConsolidated return on average net worth for 9MConsolidated return on average net worth for 9MConsolidated return on average net worth for 9M----2011 at2011 at2011 at2011 at11.6% compared to 9.2% in 9M11.6% compared to 9.2% in 9M11.6% compared to 9.2% in 9M11.6% compared to 9.2% in 9M----2010201020102010


1.1.1.1. IncludesIncludesIncludesIncludes```3.84 bn transfer of surplus in the3.84 bn transfer of surplus in the3.84 bn transfer of surplus in the3.84 bn transfer of surplus in thenon participating policyholdersnon participating policyholdersnon participating policyholdersnon participating policyholders funds of ICICIfunds of ICICIfunds of ICICIfunds of ICICILife, as per IRDA circular dated December 27,Life, as per IRDA circular dated December 27,Life, as per IRDA circular dated December 27,Life, as per IRDA circular dated December 27,

2010201020102010


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Thank youThank youThank youThank you

2011 01 q3 2011 investor presentation

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