Contents

BANKING

ICICI BANK

1ICICI Bank FormationICICI Bank TodayCurrent StrategiesAssumptionsCapabilitiesFuture GoalsEconomic Factors effecting GrowthCONTENTS19551986199319931994Formation of ICICI BankLarge capital base

Vast talent pool

Low operating costs

Technology focus

Strong corporate relationshipsICICI Bank Ltd is India's largest private sector bank and the second largestbank in the country with consolidated total assets of about US$ 100 billion as ofDecember 31, 2008.ICICI Bank TodayICICI has been honored with the following awards in the The Asset Triple A country awards for 2009:1.Best Transaction Bank in India2.Best Trade Finance Bank in India3.Best Cash Management Bank in India4.Best Domestic Custodian in India

ICICI Bank Ltd. Ties up with various companies for providing quality service to its customersE.g.;- Current StrategiesTie up with Bharat Sanchar Nigam Limited (BSNL) to provide online bill payment facility.In association with Singapore Airlines launched ICICI Bank Singapore Airlines Visa Platinum Credit Card, 2. Expanding their various activities globally through various agreements with other countries.E.g.

loan agreement with the Export-Import Bank of China (China Exim) for $98 million. 3. Debit card volumes have moved from Rs250 crore per month to about Rs400 crore per month. The bank is pushing spending on debit cards instead.

4. The bank had reduced the number of people who act as intermediaries for selling loans.

5. Branches dont just do servicing; they now do relationship management. The systems, and physical layout of the branch is being changed to accommodate this new requirement,

1. The bank is expecting to draw customers back to its branches. It has virtually stopped calling prospective customers on the phone to offer loans, depending instead on branches, short messaging service and emails to solicit business.

2. In such an environment the bank focuses on high-income category customers who are the least prone to default and litigation (rather) than the marginal middle-class customers who are the first to be hit by the changing economic environment.

AssumptionsCAPABILITIESCapital AdequacyThe Banks capital adequacy at June 30, 2009 as per Reserve Bank of Indias Basel II norms was 17.4% and Tier-1 capital adequacy was 13.1%,well above RBIs requirement of total capital adequacy of 9.0% and Tier-1 capital adequacy of 6.0%.(In %)Consolidated ProfitsConsolidated profit after tax of the Bank increased by 68% from Rs. 617 crore (US$ 129 million) in Q1-2009 to Rs. 1,035 crore (US$ 216 million) in Q1-2010.(In Rs. Crores)0200400600800100012001400Jun-08Aug-08Oct-08Dec-08Feb-09Apr-09Jun-09Net Profit728.011014.211272.15743.16878.22Increase by 17.10%Increasing ProfitsIn Rs. Crores1. Until recently our savings account base has been growing at over 30% year-on-year. Our CASA (current and savings accounts) has grown from 18% a few years ago to 28% of the liability base. We plan to take it to 35%.

FUTURE GOALS2. ICICI Bank has increased its branch network to 1,400 from 750 in a years time and will have 2,000 branches in the next one year.1. Economic Slow Down:The economic slow down has forced the customers to lower their savings due to the decrease in their earnings.

Economic FactorsEffecting Growth 2. Rumors:Rumors were spread that the Bank had come down in a situation to go Bankrupt due to which the customers started withdrawing their Money. The presentation has been done by:-Vishnu KediaAbhishek BansalSakku JaysMrigna GuptaShivaRevanth