This document provides an overview of ICICI Bank, one of the largest private sector banks in India. Some key points: - ICICI Bank was established in 1955 and has grown to become the second largest bank in India by assets and third largest by market capitalization. - It has a network of over 2,800 branches within India and a presence in 19 countries worldwide. - Over the years, ICICI Bank has increased its net interest income, earnings per share, total assets, equity capital and reserves, and capital adequacy ratio according to data shown from 2003-2012. - Projections estimate the bank will continue growing its total assets, deposits, credit growth, deposit growth, net profit

1. Presented By:
Arpan Shah

2. Chanda Kochhar
MD & CEO
K V Kamath
Chairman

3. 
It is the second largest bank in India by assets and third
largest by market capitalization.

The Bank has a network of 2,883 branches and 10,021
ATM's in India

Presence in 19 countries, including India.United
Kingdom, Russia, and Canada etc.

Currently Market Price around 1170 Rs on BSE

4. 
1955
The Industrial Credit and Investment Corporation of India
Limited (ICICI) was incorporated at the initiative of World
Bank, the Government of India and representatives of Indian
industry, with the objective of creating a development
financial institution for providing medium-term and long-term
project financing to Indian businesses.

1994
ICICI established Banking Corporation as a banking
subsidiary.
Later, ICICI Banking Corporation was renamed as 'ICICI
Bank Limited'.

5. 
1997
The bank introduced electronic funds transfer facility.
The Bank offered 150,00,000 No. of equity shares of Rs 10
each a premium of Rs 25 per share to ICICI.
The Bank offered for sale 412,50,200 No. of equity shares
of Rs 10 each at a price of Rs 35 per share

1998
- ICICI Bank, introduced Internet banking in India.

6. 
2000
ICICI Bank became the first Indian bank to list on the New
York Stock Exchange with its $175-million American
depository shares issue .
The Bank of Madura (BOM) got merged with ICICI Bank.
ICICI Bank has become one of the largest private sector banks
in India.

7. Historic Data

9. 5 x

10. 5 x

11. 5 x

12. 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Net Interest
14.45 21.85 29.32 39.07 56.37 73.04 83.67 81.14 90.17 107.3
Income
Net Interest Income
107.3
83.67
8 x
90.17
81.14
73.04
56.37
39.07
29.32
21.85
14.45
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

13. 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Earnings
19.7 26.7 27.6 32.5 34.8 39.4 33.8 36.1 45.3 56.1
Per Share
Earnings Per Share
56.1
3 x
45.3
39.4
32.5
26.7
34.8
33.8
36.1
27.6
19.7
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012

14. 2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Total
1068.1 1252.29 1676.59 2513.89 3446.58 3997.95 3793.01 3634 4062.34 4736.47
Assets
Total Assets
4736.47
4.5 x
3997.95
3446.58
4062.34
3793.01 3634
2513.89
1676.59
1068.12
1
2
1252.29
3
4
5
6
7
8
9
10

15. 2003
2004
2005
2006
Equity
Capital & 69.33
Reserves
80.1
125.5
222.06
2007
2008
2009
2010
243.13 464.71 495.33
2011
2012
516.18 550.9 604.1
Equity Capital & Reseves
604.1
9 x
464.71
222.06
69.33
2003
80.1
2004
495.33
516.18
550.9
243.13
125.5
2005
2006
2007
2008
2009
2010
2011
2012

16. 2003
2004
2005
2007
11.8%
Capital
Adequacy 11.1% 10.4%
Ratio
2006
2008
2009
13.4%
11.7% 14.0% 15.5%
2010
2011
2012
19.4% 19.5% 18.5%
Capital Adequacy Ratio
70%
19.4%
11.1%
2003
10.4%
2004
11.8%
2005
13.4%
2006
14.0%
19.5% 18.5%
15.5%
11.7%
2007
2008
2009
2010
2011
2012

17. 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2019-10 2010-11
NPA
8.72
4.7
4.27
1.51
2.08
3.3
4.32
6.52
5.8
-40%
NPA
8.72
6.52
5.8
4.7
4.32
4.27
3.3
1.51
2002-03
2003-04
2004-05
2005-06
2.08
2006-07
2007-08
2008-09
2019-10
2010-11

18. 




MARKET CAP
P/E
Net worth
DIV (%)
EPS
129,527.06 Cr
16.35
60,405.25 Cr
165.00%
68.68

Net profit for 3rd quarter 2012 rose to Rs. 2,250 crore
against Rs. 1,728 crore in the corresponding quarter a
year ago

30% increase

19. 
Advances increased by 16%

From 2,46,157 crore to 2,86,766 crore

The year-on-year growth in retail advances was 17%

20. 

The Bank maintained its current and savings account
(CASA) ratio at 40.9% as compared to 40.7% of
previous quarter.
Savings account deposits were 81,463 crore

Current account deposits were 35,674 crore

CASA deposits increased by 2,718 crore

21. Treasury
1QY13
-21
4QY12
158
Advances
Deposits
Credit-to-Deposit Ratio(%)
268,430
267,794
100.2
253,728
255,500
99.3
Current deposits (cr)
Saving deposits (cr)
CASA deposits
CASA Ratio(%)
30,754
77,923
1,08,677
40.6
34,973
76,046
1,11,019
43.5
Gross NPAs(Cr)
(%)
9,817
3.5
9,475
3.6

22. Under Under Basel
Basel II
III
Capital Adequacy Ratio Requirement
8%
10.50%

23. Capital adequacy as at December 31, 2012
INR in billions
Tier - 1 capital
Tier - 2 capital
Total capital funds of the Bank
Total capital required
Tier -1 Capital Adequacy Ratio
Tier -2 Capital Adequacy Ratio
570.76
270.52
841.28
387.73
13.25%
6.28%
Total Capital Adequacy Ratio
19.53%

24. 
ICICI Venture is asset management Company

The firm is a wholly owned subsidiary of ICICI Bank

The largest private sector financial services group in India

25. 
ICICI Lombard GIC Ltd. is a joint venture between ICICI
Bank and Fairfax Financial Holdings Limited, a Canada
financial services company

Engaged in general insurance, reinsurance, insurance claims
management and investment management.

26. 
ICICI Securities Ltd is an integrated securities firm

Offers investment banking, institutional broking, retail
broking, private wealth management, and financial
product distribution.

27. 
ICICI Prudential Life Insurance between ICICI Bank
and Prudential plc, a leading international financial
services group headquartered in the United Kingdom.

28. 
ICICI Direct

ICICI Foundation

Disha Financial Counseling

ICICI Prudential AMC & Trust

29. Projection

30. FY12
FY13E
FY14E
Growth(%)
17.1
16.6
19.2
EPS
56.1
68.7
82
Total Asset
Total Liabilities
473647
437647
551148
551,148
655427
655427
Deposits
255500
13.30%
296380
16%
364547
23%
Net Interest Income
10734
19%
13706
27.70%
16635
21.40%
Credit Growth
20%
23%
Deposit Growth
16%
23%
CASA Ratio
43.40%
43.30%
7915
22.40%
9451
19.40%
Net Profit
6465
25.50%

31. 
Exceeding Requirement of Basel 3

Very Aggressive

Growth Oriented

Able to Digest huge Loss & NPAs

32. Thank You