PowerPoint Presentation2
Certain statements in this release relating to a future period of time (including inter alia concerning our future
business plans or growth prospects) are forward-looking statements intended to qualify for the 'safe harbor'
under applicable securities laws including the US Private Securities Litigation Reform Act of 1995. Such
forward looking statements involve a number of risks and uncertainties that could cause actual results to
differ materially from those in such forward-looking statements. These risks and uncertainties include, but are
not limited to statutory and regulatory changes, international economic and business conditions, political or
economic instability in the jurisdictions where we have operations, increase in non-performing loans,
unanticipated changes in interest rates, foreign exchange rates, equity prices or other rates or prices, our
growth and expansion in business, the adequacy of our allowance for credit losses, the actual growth in
demand for banking products and services, investment income, cash flow projections, our exposure to
market risks, changes in India’s sovereign rating, and the impact of the Covid-19 pandemic which could result
in fewer business opportunities, lower revenues, and an increase in the levels of non-performing assets and
provisions, depending inter alia upon the period of time for which the pandemic extends, the remedial
measures adopted by governments and central banks, and the time taken for economic activity to resume at
normal levels after the pandemic, as well as other risks detailed in the reports filed by us with the United
States Securities and Exchange Commission. Any forward-looking statements contained herein are based on
assumptions that we believe to be reasonable as of the date of this release. ICICI Bank undertakes no
obligation to update forward-looking statements to reflect events or circumstances after the date thereof.
Additional risks that could affect our future operating results are more fully described in our filings with the
United States Securities and Exchange Commission. These filings are available at www.sec.gov.
Retail banking
Bringing the best of banking to our customers
Profiles
Strong risk management framework
Customized
solution
Bringing the best of banking to our customers
Customer controls the relationship
payments, ecommerce
time high
Robotic vacuum cleaners, dishwashers,
Urban living or reverse migration?
On-demand, proximity
services surge
Health & wellness spends
Rise of the “She” economy
Demand driven by women’s
consumption & investment needs
Entertainment, food, lifestyle choices
INDIVIDUAL
ACCOUNT LAYER
PAYMENT LAYER
LOANS LAYER
CARE LAYER
GROWTH LAYER
& travel insurance, Live Your
card, festive bonanza
Insta HL, insta credit card, insta car
and TW loan, insta PL & PayLater
6
7
Customer net revenue and marketing framework Unified capturing of varied ecosystems with
synergy across channels
Building customer level frameworks using internal and external data
AI/ML driven cross-sell propensity models to
capture customer 360° view of ecosystem STACK
needs
right need at the right time
Instant service
E.g. Product Suite created for Working Women customers
Ms. Kritika Khanna – Working Woman
Age: 45 Yrs. Family: Spouse and 2 Kids
Profession: Middle Management in
education - forex
Trade in equity for wealth creation – 3 in
1 de-mat account
Subscription – alliance offers
Enjoys shopping online for various needs
ACCOUNT LAYER
PAYMENT LAYER
CARE LAYER
GROWTH LAYER
• iMobile Spend
portals
• InstaSIP
Spend
Behaviour
Hobbies /
Interests
• Entertainment
every customer persona
Corporates – CXO engagement 4
Relationship Managers for Affluent,
Self-employed customers; use of
Management officials; top down
corporates, societies etc.2
Provide ease & speedier
solutions to customers;
High-touch approach for Delegators
1212
• 85% NRI customers are digitally active
Chatbot & voice banking WhatsApp banking
Digital
onboarding
Frictionless
journeys
Voice
banking
Hyper
personalization
1. Leader in digital experience (Forrester report 2020)
Leader in
~12mn
page
views
~0.5 million activations from non-ICICI Bank customers since its launch just two
months back
Add other
bank a/c
Pay to
36% 1
2. Financial and non-financial
3. Includes internet, mobile, POS, touch banking, phone banking and debit cards e-commerce transactions 14
Over 90% of savings account transactions 1,2
through digital channels 3
• Instant dealer disbursement
• 100+ fintech integration
(Do it For Me)
digitally processed
Solution to every need in a seamless manner
Digital origination & processing of unsecured loans
Going digital to decongest processes
Represents extent of adoption
Customer Acquisition System; e-NACH: Electronic National
Automated Clearing House
physically
16
and ~46% of the credit card customers
were onboarded using video KYC
• Significant drop in cost of acquisition for
VKYC applications; seamless journey with
partner platforms (Amazon)
Digital current account activation
Supply chain finance
GST OD 1
1. Overdraft basis GST returns
Merchant ecosystem STACK
• Instant account opening & acquiring
• PG 1 : Eazypay Pro , POS: Eazypay Platinum
• Connected banking: integrate business & banking
• Merchant module in InstaBIZ
‘Digital store’ Merchant lending: Plug & play API
Digital proposition for merchants
On boarding Sanction Disbursal Repayment
Merchant journey enabled on partner’s platform
Bouquet of APIs
Hosted on developer portal
Order supplies,
avail distributor
23
Reimagined
coverage
….for leading the B2B transformation
Connected
Accelerated digital
growth
end-to-end solutions
Enhancement
Microsite for industry-specific
Connect fragmented
customer journeys
Banking as a Platform
1
14.8% y-o-y growth in core operating profit 1
to ` 80.54 billion
• Average savings account deposits increased by 15.9% y-o-y; average current account
deposits increased by 26.5% y-o-y
• Total deposits increased by 22.1% y-o-y at December 31, 2020
Loan growth
• Retail loan book grew by 15.4% y-o-y and 6.8% q-o-q
• Domestic performing corporate portfolio grew by 9.6% y-o-y and 8.5% q-o-q
1. Profit before provision and taxes, excluding treasury income
2. Including loans which were overdue for more than 90 days but were not
classified as non-performing pursuant to the Supreme Court’s interim order
CET1 3
Profit after tax grew by 19.2% y-o-y to ` 49.40 billion
On a proforma basis 2 , the provisioning coverage was robust at 77.6% at Dec 31, 2020
3. Common equity tier 1
4. Includes profits for 9M-2021
Thank you