ICICI Bank is India's second largest bank with total assets of Rs. 4,062.34 billion and a profit of Rs. 51.51 billion for the year ending March 2011. It has a network of 2,535 branches and 6,810 ATMs in India and a presence in 19 countries. ICICI Bank offers a wide range of banking products and financial services through subsidiaries in areas like investment banking, insurance, venture capital and asset management. It has subsidiaries in the UK, Russia, and Canada as well as branches in several other countries. ICICI Bank was originally formed in 1994 as a subsidiary of ICICI Limited and has since grown through mergers and acquisitions.

1. Corporate Profile
ICICI Bank is India's second-largest bank with total assets of Rs. 4,062.34 billion (US$ 91 billion) at March 31, 2011
and profit after tax Rs. 51.51 billion (US$ 1,155 million) for the year ended March 31, 2011. The Bank has a network
of 2,774 branches and about 10,021 ATMs in India, and has a presence in 19 countries, including India.
ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a
variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-
life insurance, venture capital and asset management.
The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States,
Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices
in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK subsidiary has
established branches in Belgium and Germany.
ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India
Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).
History
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned
subsidiary. ICICI's shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in
fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank
of Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional
investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World Bank, the Government
of India and representatives of Indian industry. The principal objective was to create a development financial
institution for providing medium-term and long-term project financing to Indian businesses.
In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a
diversified financial services group offering a wide variety of products and services, both directly and through a
number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and the first
bank or financial institution from non-Japan Asia to be listed on the NYSE.
After consideration of various corporate structuring alternatives in the context of the emerging competitive scenario in
the Indian banking industry, and the move towards universal banking, the managements of ICICI and ICICI Bank
formed the view that the merger of ICICI with ICICI Bank would be the optimal strategic alternative for both entities,
and would create the optimal legal structure for the ICICI group's universal banking strategy. The merger would

2. enhance value for ICICI shareholders through the merged entity's access to low-cost deposits, greater opportunities
for earning fee-based income and the ability to participate in the payments system and provide transaction-banking
services. The merger would enhance value for ICICI Bank shareholders through a large capital base and scale of
operations, seamless access to ICICI's strong corporate relationships built up over five decades, entry into new
business segments, higher market share in various business segments, particularly fee-based services, and access
to the vast talent pool of ICICI and its subsidiaries.
In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI and two of its wholly-
owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with
ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court
of Gujarat at Ahmedabad in March 2002, and by the High Court of Judicature at Mumbai and the Reserve Bank of
India in April 2002. Consequent to the merger, the ICICI group's financing and banking operations, both wholesale
and retail, have been integrated in a single entity.
ICICI Group Companies
ICICI Group
http://www.icicigroupcompanies.com
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ICICI Prudential Life Insurance Company
http://www.iciciprulife.com/public/default.htm
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ICICI Securities
http://www.icicisecurities.com/
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ICICI Lombard General Insurance Company
http://www.icicilombard.com/
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ICICI Prudential AMC & Trust
http://www.icicipruamc.com/
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ICICI Venture
http://www.iciciventure.com/
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ICICI Direct
http://www.icicidirect.com
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ICICI Foundation
http://www.icicifoundation.org

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Disha Financial Counselling
http://www.icicifoundation.org
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Company Profile
ICICI Bank Ltd is a major banking and financial services organization in India. The Bank is the second largest bank in
India and the largest private sector bank in India by market capitalization. They are a publicly held banking company
engaged in providing a wide range of banking and financial services including commercial banking and treasury
operations. The Bank and their subsidiaries offers a wide range of banking and financial services including commercial
banking, retail banking, project and corporate finance, working capital finance, insurance, venture capital and private
equity, investment banking, broking and treasury products and services. They offer through a variety of delivery channels
and through their specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital
and asset management. The Bank has a network of 2,035 branches and about 5,518 ATMs in India and presence in 18
countries. They have subsidiaries in the United Kingdom, Russia and Canada, branches in United States, Singapore,
Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab
Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK subsidiary has established
branches in Belgium and Germany. The Bank's equity shares are listed in India on Bombay Stock Exchange and the
National Stock Exchange of India Limited and their American Depositary Receipts (ADRs) are listed on the New York
Stock Exchange. The Banks is the first Indian Bank listed on New York Stock Exchange. ICICI Bank Ltd was incorporated
in the year 1994 as a part of the ICICI group with the name ICICI Banking Corporation Ltd. The initial equity capital was
75.0% by ICICI and 25.0% by SCICI Ltd, a diversified finance and shipping finance lender of which ICICI owned 19.9% at
December 1996. Pursuant to the merger of SCICI into ICICI, ICICI Bank became a wholly-owned subsidiary of ICICI. In
September 10, 1999, the name of the Bank was changed from ICICI Banking Corporation Ltd to ICICI Bank Ltd In March
10, 2001, ICICI Bank acquired Bank of Madura, an old private sector bank, in an all-stock merger. ICICI Ltd along with
their wholly owned retail finance subsidiaries, namely ICICI Capital Services Ltd and ICICI Personal Financial Services Ltd
amalgamated with the Bank with effect from May 3, 2002. In May 2003, the bank acquired the entire paid-up capital of
Transamerica Apple Distribution Finance Pvt Ltd (now known as ICICI Distribution Finance Pvt Ltd) which primarily
engaged in financing in the two-wheeler segment. In September 12, 2003, the Bank incorporated ICICI Bank Canada as a
100% subsidiary company. In May 2005, the Bank acquired the entire paid-up capital of Investitsionno-Kreditny Bank, a
Russian bank with their registered office in Balabanovo in the Kaluga region and a branch in Moscow. Thus, IKB became
a subsidiary of Bank with effect from May 19, 2005. In August 2005, the Bank acquired additional 6% of the equity share
capital of Prudential ICICI Asset Management Company Ltd and Prudential ICICI Trust Ltd from Prudential Corporation
Holdings Ltd and thus these two companies became the subsidiaries of the Bank. During the year 2006-07, ICICI Bank
Canada incorporated ICICI Health Management Inc as a subsidiary company. In April 2007, Sangli Bank Ltd merged with
the Bank with effect from April 19, 2007. In 2007 June, the Bank entered into an agreement with networking solutions
provider GTL Ltd to lease out their call centre facility at Mahape worth of around Rs 100 crore for a period of 25 years.
During the year 2007-08, the Bank increased their branches & extension counter from 755 Nos to 1,262 Nos, including the
addition of about 200 branches through the merger of Sangli Bank. They increased their ATM network from 3,271 ATMs to
3,881 ATMs. They launched mobile banking service enabling a wide range of banking transactions using the mobile
phone. During the year 2008-09, the Bank increased their branches & extension counter from 1,262 Nos to 1,419 Nos.
They also received licenses for 580 additional branches from RBI. They increased their ATM network to 4,713 ATMs from
3,881 ATMs. In April 22, 2009, ICICI Prudential Pension Funds Management Company Ltd was incorporated as a
subsidiary company of ICICI Prudential Life Insurance Company Ltd. During the year 2009-10, the Bank increased their
branches & extension counter from 1,419 Nos to 1,707 Nos. They also increased their ATM network from 4,713 ATMs to
5,219 ATMs. ICICI Wealth Management Inc., a subsidiary of ICICI Bank Canada, has been dissolved effective December
31, 2009. In January 2010, the Bank and First Data, a company engaged in electronic commerce and payment services,
formed a merchant acquiring alliance and a new entity named ICICI Merchant Services, 81% owned by First Data, was
formed, which acquired ICICI Bank's merchant acquiring operations for a total consideration of Rs. 3,744 million. In May
2010, the Bank approved the scheme of amalgamation of Bank of Rajasthan Ltd with the Bank through share-swap in a
non-cash deal that values the Bank of Rajasthan at about Rs 3,000 crore. Each 118 shares of Bank of Rajasthan will be
converted into 25 shares of ICICI Bank Ltd. In August 2010, as per the scheme of amalgamation, Bank of Rajasthan was
amalgamated with the Bank with effect from the close of business on 12 August 2010. The merger of Bank of Rajasthan
added over 450 branches to the network. Including these, their branch network increased from 1,707 branches at March
31, 2010 to 2,529 branches at March 31, 2011. They also increased their ATM network from 5,219 ATMs at March 31,

4. 2010 to 6,055 ATMs at March 31, 2011.
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned
subsidiary. ICICI's shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal
1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of
Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutional
investors in fiscal 2001 and fiscal 2002.
ICICI was formed in 1955 at the initiative of the World Bank, the Government of India and representatives of Indian
industry. The principal objective was to create a development financial institution for providing medium-term and long-
term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial
institution offering only project finance to a diversified financial services group offering a wide variety of products and
services, both directly and through a number of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the
first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the NYSE.
After consideration of various corporate structuring alternatives in the context of the emerging competitive scenario in
the Indian banking industry, and the move towards universal banking, the managements of ICICI and ICICI Bank
formed the view that the merger of ICICI with ICICI Bank would be the optimal strategic alternative for both entities,
and would create the optimal legal structure for the ICICI group's universal banking strategy. The merger would
enhance value for ICICI shareholders through the merged entity's access to low-cost deposits, greater opportunities
for earning fee-based income and the ability to participate in the payments system and provide transaction-banking
services. The merger would enhance value for ICICI Bank shareholders through a large capital base and scale of
operations, seamless access to ICICI's strong corporate relationships built up over five decades, entry into new
business segments, higher market share in various business segments, particularly fee-based services, and access to
the vast talent pool of ICICI and its subsidiaries.
In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI and two of its wholly-
owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with
ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of
Gujarat at Ahmedabad in March 2002, and by the High Court of Judicature at Mumbai and the Reserve Bank of India
in April 2002. Consequent to the merger, the ICICI group's financing and banking operations, both wholesale and
retail, have been integrated in a single entity.
ICICI Bank is India's second-largest bank with total assets of Rs. 4,062.34 billion ($91 billion) at March 31, 2011 and
profit after tax Rs. 51.51 billion ($1,155 million) for the year ended March 31, 2011. The Bank has a network of 2,535
branches and 6,810 ATMs in India, and has a presence in 19 countries, including India. ICICI Bank offers a wide
range of banking products and financial services to corporate and retail customers through a variety of delivery
channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance,
venture capital and asset management.
The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States,
Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices
in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Their UK subsidiary has
established branches in Belgium and Germany.
ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India
Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).
Services offered by the company:
Deposits
Loans

5. Cards
Investments & Insurance
Demat
NRI Services
Money Transfer
Bank Accounts
Investment
Home Loans
Insurance
Loans against FD
Achievements/ recognition:
2011
The bank tops the list of 'Most Trusted Private Sector Bank' and ranks 10th in the list of 'India's Most Trusted
Service Brands' by Brand Equity, Most Trusted Brands 2011
The bank received the Best Manpower Efficient Award amongst private sector banks by FICCI – IBA
The bank won the Best Local Bank – Gold by Trade and Forfaiting Awards, UK
The bank was awarded The Asset Triple A Awards, Hongkong for - Best domestic transaction bank (India),
For 6th consecutive year won the best domestic trade finance bank (India), Best domestic cash
management bank (India), Best e-Commerce Bank (India), and Best SME Bank (India)
The bank is the only Indian brand to figure in the BrandZ Top 100 Most Valuable Global Brands Report
2011, second year in a row.
The bank ranked 5th in the list of '57 Indian Companies', and 288th in World Rankings in Forbes Global
2000 list
The bank has won the 'Banking Technology Awards 2010' at The Indian Banks Association in the following
categories - Best Financial Inclusion Initiative' (first prize), Best Online Bank ( runner up), Best use of
Business Intelligence ( runner up) and Technology Bank of the year ( runner up)
The bank was recognized for its Special Citation of the Fully Electronic Branch Service Channel, first set up
at Hiranandani Estate, Thane, at the Financial Insights Innovation Awards held in conjunction with Asian
Financial Services Congress
For the second year in a row, the bank was ranked 70th in the Brandirectory league tables of the world’s
most valuable brands by, The BrandFinance Banking 500.
ICICI Bank UK, HiSAVE product range has been awarded the Consumer Moneyfacts Awards 2011 for the
'Best Online Savings Provider'
The bank ranked second in the financial services sector in Business World’s, “Most Respected Company
Awards 2011'
The bank was ranked 1st in the Banking and Finance category and 9th in the '2010 Best Companies To
Work For' by Business Today
2010
The bank awarded the most Tech-friendly Bank award by Business World
The bank was voted as the Most Trusted Brand among private sector banks in the 2010 Economic Times -
Brand Equity Most Trusted Brands Awards and ranked 7th in the list of Top 50 service brands
The bank received the 2010 World Finance UK award for - Excellence in remittance business, Worldwide,
Excellence in NRI Services, Worldwide, Excellence in private banking business, APAC Region
ICICI Bank UK, HiSAVE has been awarded 'Best Online Savings Account Provider 2010 ' by Your Money,
direct consumer awards, UK
ICICI Bank UK, HiSAVE has been commended for 'Best Internet Account Provider 2010' and 'Best Fixed
Rate Account Provider 2010' by Moneyfacts, an independent consumer finance leading aggregator
For the sixth time in a row, The bank has received the Most Preferred Auto Loan Brand in the Financials

6. Services category at the CNBC Consumer Awards
The bank has won Gold in the Readers Digest Trusted Brands 2010 Consumer award in the Finance
category for a) Best Bank and b) Best Credit Card Issuing Bank
The bank won the Best Trade Finance Bank and Best Foreign Exchange Bank, India at the Finance Asia
Country Awards for Achievement, Hong Kong
The bank won the Best Local Bank by Trade and Forfaiting Review, UK
The bank received the Best Trade Finance Bank in India by The Asset Triple A Award, Hong Kong
The bank was awarded the Best Trade Finance Bank in South Asia by GTR (Global Trade Review), UK
The bank amongst the top 3 to receive the FE- EVI Green Business Leaders Award, in the banking industry
The bank wins the Asian Banker Award for Best Banking Security System
The bank is the first and the only Indian brand to be ranked as the 45th most valuable global brand by
BrandZ Top 100 Global Brands Report.
The bank ranked 1st in the term money category, from a list of 38 leading Banks by the German magazine,
Euro. Since commencement of business two years ago in the German market, this is the 5th
certification/award including 2 certifications from Stiftung warrenttest (for Savings and Term Deposits) and
three 'Best Bank' rankings by Euro magazine.
Forbes' 2000 most powerful listed companies' survey ranked The bank 4th among the Indian companies and
282nd globally.
The bank was awarded The Asian Banker Achievement Award 2009 for Cash Management in India.
ICICI Group Global Private Clients (GPC) has won the coveted 'Euromoney Private Banking Award 2010' for
Best Bank in the Super-Affluent Category ($500,000 to $1 million) - India.
The bank wins the Asian Banker Award for Excellence in SME Banking 2009
The bank won the second prize in the Six Sigma Excellence Awards, conducted by Indian Statistical
institute, Bangalore for 'Improving Sales for TV Banking business'
2009
ICICI Bank Mobile Banking was adjudged 'Best Bank Award for Initiatives in Mobile Payments and Banking'
by IDRBT, on May 18, 2009 in Hyderabad.
ICICI Bank's b2 branchfree banking was adjudged 'Best E-Banking Project Implementation Award 2008' by
The Asian Banker, on May 11, 2009 at the China World Hotel in Beijing.
ICICI Bank bags the “Best bank in SME financing (Private Sector)” at the Dun & Bradstreet Banking awards
2009.
ICICI Bank NRI services win the “Excellence in Business Model Innovation Award” in the eighth Asian
Banker Excellence in Retail Financial Services Awards Programme.
ICICI Bank's Rural Micro Banking and Agri-Business Group wins WOW Event & Experiential Marketing
Award in two categories - “Rural Marketing programme of the year” and “Small Budget On Ground
Promotion of the Year”. These awards were given for Cattle Loan 'Kamdhenu Campaign' and 'Talkies on the
move campaign' respectively.
ICICI Bank's Germany Branch has been certified by “Stiftung Warrentest”. ICICI Bank is ranked 2nd
amongst 57 savings products across 19 banks
ICICI Bank Germany won the yearly banking test of the investor magazine euro in the “call money” category.
The ICICI Bank was awarded the runner's up position in Gartner Business Intelligence and Excellence
Award for Asia Pacific for its Business Intelligence functions.
ICICI Bank's Organisational Excellence Group was recently awarded ISO 9001:2008 certification by TUV
Nord. The scope of certification comprised processes around consulting and capability building on methods
of quality & improvements.
ICICI Bank has been awarded the following titles under The Asset Triple A Country Awards for 2009:
Best Transaction Bank in India
Best Trade Finance Bank in India
Best Cash Management Bank in India
Best Domestic Custodian in India
ICICI Bank has bagged the Best Cash Management Bank in India award for the second year in a row. The
other awards have been bagged for the third year in a row.
ICICI Bank Canada received the prestigious Canadian Helen Keller Award at the Canadian Helen Keller
Centre's Fifth Annual Luncheon in Toronto. The award was given to ICICI Bank its long-standing support to
this unique training centre for people who are deaf-blind.
ICICI Bank wins World Finance 2009 Banking Awards for Best NRI Services Bank.

7. ICICI Bank wins Asset Triple A Investment Awards for the Best Derivative House, India. In addition ICICI
Bank were Highly commended, Local Currency Structured product, India for 1.5 year ADR GDR linked
Range Accrual Note.
Milestones
October 25, 2010 - ICICI Bank and American Express Global Network Services Launch ICICI American
Express Prepaid Travel Card
October 06, 2010 - The bank launches website in Hindi
September 30, 2010 - ICICI Bank has launched its first retail branch in Singapore, setting the stage for its
next phase of growth
August 13, 2010 - Amalgamation of Bank of Rajasthan Ltd. with ICICI Bank Ltd