Presented by :

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India’s largest private sector bank and one stop financial solutions provider with a diversified and de-risked business model

India’s largest private sector bank and one stop financial solutions provider with a diversified and de-risked business model

ICICI Bank today

Large capital base

Vast talent pool

Low operating costs

Technology focus

Strong corporate relationships

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ICICI Bank today (contd.) ICICI Bank is well

positioned to redefine the

banking model by focussing on the

untapped potential in the profitable retail

business segments and leveraging its

superior delivery capabilities and lower operating

costs in the under-served

corporate banking business

Retail banking

Corporate banking

Structured finance

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Contents

ICICI Bank today

Retail banking

Corporate banking & structured finance

Merger process

Financial performance

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ICICI Bank’s strategy to capture retail potential

Strong corporate relationships

Brand

Technology

Operational excellence

Achieving leadership in

retail financial services

… the core of this strategy is our relentless focus on the customer and cross-selling of products

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Catalyzing cross-sell

Internet Banking

Call Centers

500 Outlets 1005 ATMs

Bonds Life insurance Health insurance

Fixed deposits

Consumer loans

Auto & home loans

Credit & debit cards

Power Pay

Customized cross-selling by leveraging relationships,

brand and technology

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Operational excellence

These measures have ensured that we have followed a cautious approach while maintaining high growth rates and profitability in all segments

Prudent credit policies

Adequate fraud control

Rigorous collection mechanism

Bolstered by a company wide 6 sigma initiative

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Fee m

ark

et

siz

eGrow market share in fee-based products

and services

Corporate banking and structured finance

51%

14%

13%

4%

18%

Corporate

Retail

Government

Forex

Overseasbranches

Market size: Rs. 111.10 billion

Corporate Banking Structured Finance

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Corporate Solutions GroupReach the entire universe of current and

potential clients (over 1300) and offer tailor-made solutions

Government Solutions GroupDevelop comprehensive banking

relationships with all central, state and local governmental entities

Small & Medium Enterprises GroupDevelop comprehensive banking

relationships with small & medium sized enterprises leveraging corporate linkages

Focus on agri-lending to help in compliance with priority sector norms

Str

ate

gy

Corporate banking and structured finance

Corporate Banking Structured Finance

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Leverage expertise to facilitate loan origination and ensure sell down leading toReduced concentration of risk Optimal risk-return trade-off

Aggressively pursue cross-sell opportunities for all ICICI group products

Corporate banking and structured finance

Corporate Banking Structured Finance

Significant opportunities for funding well-structured projects with in-built risk mitigation

Str

ate

gy

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Corporate Banking Structured Finance

Infrastructure Projects GroupCreate a balanced portfolio across sub-

sectors Telecom, Power, Transportation, Urban

InfrastructureFocus on non-fund based activities

Manufacturing Projects GroupConsolidation and modernization in core

sectors Cement, Steel, Textiles, Chemicals

Structured opportunities in certain emerging sectors Oil & gas, Mining, Retail, Agri infrastructure

Corporate banking and structured finance

Str

ate

gy

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Obtaining regulatory approvals within a short time-period of 6 months

Compliance with SLR & CRR requirements

Compliance with directed lending norms Stipulated at 50% on residual net bank credit

Regulatory Fair valuation of loansMerger accounting

Ch

allen

ges

Merger process

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All regulatory approvals obtained

Full compliance with SLR & CRR requirementsRaised Rs. 180.00 billion in 5 months

Without distortion of yield curve With minimal asset-liability mismatch

Directed lending norms Home loans of less than Rs. 1.0 million

qualify for priority sector lendingInnovative approach to agri-financing to

meet priority sector objectives while mitigating credit risks

Com

plian

ce s

tatu

s

Merger process

Regulatory Fair valuation of loansMerger accounting

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Fair valuation of loans done by Deloitte Haskins & SellsComprehensive review of credit rating

methodologyRobust approach to evaluation

Examination of loan files and review of collateral

Analysis of projections and restructuring schemes (if any) to estimate future cashflows

Discounted value of cashflows on the loan calculated to estimate the fair value

Provisioning requirement ascertained by above process extrapolated to the balance portfolio

Equity & related investment portfolio marked to market

Valu

ati

on

Merger process

Regulatory Fair valuation of loansMerger accounting

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Having complied with all regulatory requirements, the merged entity, with an established brand and strong technology focus, is now well placed to harness the vast retail potential and consolidate its position in corporate banking to emerge as the leading financial solutions provider in India

In conclusion

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Thank You