August 20, 2021

ICICI Bank: Key

highlights

Annual General Meeting

FY2021 performance review (1/5)

2

Y-o-Y

growth

5.7% 21.5%16.5%

Continued to grow the core operating profit1

in a risk-calibrated and granular

manner

1. Profit before provisions and taxes, excluding treasury income

16.9%

Core operating profit (` billion) Profit after tax (` billion)

FY2021 performance review (2/5)

3

Robust deposit franchise…

Term deposits grew by 18.4% y-o-y at Mar 31, 2021

Y-o-Y

growth14.5% 18.1%16.4% 21.0%

Total deposits (` billion)Increase in average CASA deposits

(` billion)

Average CASA deposits grew by 18.9% y-o-y

in FY2021

FY2021 performance review (3/5)

4

…and well diversified loan book with healthy loan growth across retail, business

banking and SME

• Including non-fund outstanding, the proportion of retail loans was 55.0% at March 31,

2021

(` billion)

Y-o-Y growth of domestic

loans

15.1% 12.9%16.9% 17.7%

Domestic loans

Provision coverage ratio

FY2021 performance review (4/5)

5

1. Based on customer assets

NPA ratios1

Continued improvement in portfolio quality

Net NPA1

(` billion)

Covid-19 related provisions of ` 74.75 billion (1.0% of the advances) at Mar 31, 2021

CET12

ratio

FY2021 performance review (5/5)

6

Tier I ratio

Maintained a strong capital position

Total capital adequacy

Raised equity capital amounting to ` 150.00 billion during FY2021

1. After reckoning the impact of proposed dividend

2. CET1: Common Equity Tier 1

1 1

1

iMobile 1.0

One App Strategy

India’s First Banking App

iMobile 2.0

iMobile Pay

3.0

Basic Banking | Digitized Processes

Products & Services| INSTA Banking

One app for All Banks | Seamless Journeys | Hyper Personalization

iMobile Pay : Universal Fintech App

Scan to

Pay,

Pay to

Contact

Any Bank

Card

payment

Invest,

Insure &

Tax

LoansOffers &

Shopping

Personal

Finance

Mgmt

Bill

Payment

&

Recharge

7

3 million+ activations from

non-ICICI Bank account holders7x in average daily volume1; 8x in value of txns

1

Jan 2008

May 2015

Dec 2020

1. Of non-ICICI Bank account holders (June 2021 over Mar 2021)

8

1. Q1-2022 over Q1-2021

2. InstaBIZ & corporate internet banking in Mar 2021

Growth in value

of financial

transactions1

Payments on

digital channels1

1 million+ active customers

InstaBIZ: 200+ business banking services

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reserved

MERCHANT

SERVICES

Dedicated

one view

Digital

collections

Instant

settlement

OTHERS

CREDIT FD OD Loan tracker

Pre-approved

offers

PAYMENTS

Express

paymentsScan n Pay

Bill Pay on

BBPS

FasTAG issue /

recharge

Hotel & travel

booking

CA & card

services

2.4x y-o-y

87%

Embedded

• Host-to-Host

connectivity

• API suite

Digital platforms and solutions for corporates

9

Web and mobile

• Corporate internet

banking

• Trade Online

• FX Online

Robust digital platforms Ecosystem solutionsDigital propositions

Trade & supply

chain

Payments &

collections

Capital market &

lending

FX solutions

STACK for corporates

API based transaction

Algorithm driven

supply chain solutions

API solutions

1.5X

Increase in

throughput1

2.5X

Increase in

volume1

1. Q1-2022 over Q1-2021

Digital payments: UPI and FASTag

10

UPI: P2M1

transactions

Value up by 3.3x y-o-y;

Volume up by 1.9x y-o-y

Electronic toll collections

1. Payments to merchants

Market share by volume was 14% in Mar

2021; ranked 3rd

in the industry

62.9% y-o-y

Market share by value was 36% in

Mar 2021; ranked 1st

in the industry

Digital sourcing and transactions in FY2021

90% sourced via

Insta1

Personal loans

75% sourced

digitally1

Credit cards

33% protection

policies sold online

Term life

insurance

56% sourced via

digital channels

Fixed deposits

19% sanctioned

via digital

channels

Mortgages

1. Percentage share based on count of customers. Includes insta and digitally on boarded

2. Financial and non-financial

3. Includes internet, mobile, POS, touch banking, phone banking and debit cards e-commerce transactions 11

• In Mar 2021, ~45% of the Amazon Pay credit card customers were

onboarded using video KYC

Over 90% of savings account transactions2

through digital channels3

12

Key highlights for Q1-2022

1. Includes profits for Q1-2022

2. Common Equity Tier 1

Initiatives for employee care during the pandemic

Boundary-less organisation support

Personalized employee tracking

Home quarantine assistance from

leading hospital chains

Ambulance support

24x7 Covid Helpline

Procurement of oxygen

concentrators

Daily care call (for infected

colleagues) with HR managerOn-Call medical helpdesk

13

Assistance for Hospitalization

Arrangement of Critical Medication

Tie-up with Isolation Centers

Covid appropriate behavior to continue

Tie-up for vaccinations

Thank you