INTRODUCTION OF ICICI

• ESTABLISHED IN 5TH Jan 1994

• HEADQUARTER IN MUMBAI
• THE SCEOND LARGEST PRIVATE
BANK IN TERMS OF ASSET AND
MARKET CAPITALISATION
• IT HAS A NETWORK OF 4867
BRANCHES AND 14367 ATMS AND A
PRESENCE IN 17 COUNTRIES
FINANCIAL PERFORMANCE
due to a increase in the net interest income and a 15.9% increase in fee income,
offset, in part, by a 15.2% increase in operating expenses.
Total deposits and CASA (current and saving accounts) deposits witnessed an increase of 16 per cent and 12 per cent,
respectively. CASA ratio stood at 49.6 per cent as on March 31.
• THEIR NPAS HAVE IMPROVED DUE TO THE RECOVERY MADE BY THE
IL&FS GROUP OF RS 246 CRORES IN MAY 5TH 2019 .
•
ADVANCES
CRAR
• At March 31, 2019, Basel III guidelines require the Bank to maintain a minimum Capital to Risk-Weighted
Assets Ratio (CRAR) of 11.025% with minimum CET1 CRAR of 7.525% and minimum Tier-1 CRAR of 9.025%.
•At March 31, 2019, the Bank’s Tier-1 capital adequacy ratio was 15.09% as against the requirement of 9.03%
and total capital adequacy ratio was 16.89% as against the requirement of 11.03%.

PARTICULARS %
13.63%
CET I

15.09%
TIER I

1.80%
TIER II

16.89%
TOTAL
NET INTEREST MARGIN
Net interest income (NII) jumped 27 per cent to Rs 7,620
crore. The NII in Q4 includes Rs 414 crore of interest on
income tax refund.

The net interest margin was 3.72 per cent in the latest
quarter compared with 3.40 per cent a year ago. The
impact of interest on income tax refund and interest
collection from NPLs on net interest margin was about 25
basis points in Q4FY19 compared with 18 basis points in
December quarter.
PRIORITY SECTOR LENDING
• AS PER RBI NORMS 40% OF THE LENDING TO PRIORITY SECTOR
• THE BANK LENDS 37.7% TO THIS SECTOR
• REMAINING AMOUNT KEPT WITH AS DEPOSISTS WITH GOVERNMENT
SPONSORED DEVELOPMENTAL BANKS LIKE NABARD
RECENT NEWS
• ICICI Bank is understood to have cut its fixed deposit rates by 0.10-
0.25 percent starting from Monday, officials said.
• The ICICI Bank reported a profit of Rs 42.1 crore in the quarter ended
March 2019.
• net interest margin (NIM) is pegged at around 3.62 per cent, up 43
basis points