Presented by :

ICICI Bank today

l Large capital base
l
l Vast talent pool
l
l Low operating costs
private
private sector
sector bank
bank and
and one
one stop
stop financial
financial solutions
solutions pro
pro
l
l Technology focus
l
l Strong corporate
relationships

2
 IC IC I B a n k to d a y
( contd . )

Retail
banking
apped potential in the profitable retail business segments and

Corporate
banking

Structured
finance

3
 Contents
ICICI Bank today

Retail banking

Corporate banking & structured

finance

Merger process

Financial performance

4
 ICICI Bank’s strategy to capture
retail potential
S tro n g
co rp o ra te
re la tio n sh ip s

B ra n d
ie v in g le a d e rsh ip in re ta il fin a n cia l se rv ice s

Te ch n o lo g y

… the core of this O p e ra tio n a l

strategy is our e x ce lle n ce
relentless focus on
the customer and
cross - selling of
5 products
 Catalyzing cross-sell

Internet Call 500 Outlets 1005 ATMs

Banking Centers

Customized cross - selling

by leveraging relationships ,
brand and technology

Fixed deposits Bonds Life insurance Health

insurance

Power Pay Consumer loans Auto & home Credit & debit
loans cards

6
 Operational excellence

Prudent credit policies

Bolstered by a company wide 6 sigma initiative

Adequate fraud control Rigorous collection mecha

These measures have ensured that we have

followed a cautious approach while maintaining
high growth rates and profitability in all
segments
7
 Corporate banking and structured
finance
lGrow market share in fee - based products
and services

4%
51% Corporate

Retail
13% Government
ezis tekram eeF

Forex

Overseas
branches

14%

18%
Market size : Rs . 111 . 10
billion
Corporate Banking Structured Finance

8
 Corporate banking and structured
finance
lCorporate Solutions Group
l Reach the entire universe of current and
potential clients ( over 1300 ) and offer
tailor - made solutions
lGovernment Solutions Group
l Develop comprehensive banking
relationships with all central , state
and local governmental entities
lSmall & Medium Enterprises Group
l Develop comprehensive banking
ygetartS

relationships with small & medium sized

enterprises leveraging corporate
linkages
l Focus on agri - lending to help in
compliance with priority sector norms

Corporate Banking Structured Finance

9
 Corporate banking and structured
finance
l
lLeverage expertise to facilitate loan
origination and ensure sell down leading
to
l Reduced concentration of risk
l Optimal risk - return trade - off
l
lAggressively pursue cross - sell
opportunities for all ICICI group products
ygetartS

Significant opportunities for funding well -

structured projects with in - built risk
mitigation
Corporate Banking Structured Finance

10
 Corporate banking and structured
finance
lInfrastructure Projects Group
l Create a balanced portfolio across sub -
sectors
l Telecom , Power , Transportation , Urban
Infrastructure
l Focus on non - fund based activities
l
lManufacturing Projects Group
l Consolidation and modernization in core
sectors
ygetartS

l Cement , Steel , Textiles , Chemicals

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

Corporate Banking Structured Finance

11
 Merger process

lObtaining regulatory approvals within a

short time - period of 6 months
l
lCompliance with SLR & CRR requirements
l
lCompliance with directed lending norms
l Stipulated at 50 % on residual net bank
segnellahC

credit

Fair valuation Merger

Regulatory of loans accounting

12
 Merger process
lAll regulatory approvals obtained
sutats ecnailpmoC l
lFull compliance with SLR & CRR
requirements
l Raised Rs . 180 . 00 billion in 5 months
l Without distortion of yield curve
l With minimal asset - liability mismatch
l
lDirected lending norms
l Home loans of less than Rs . 1 . 0 million
qualify for priority sector lending
l Innovative approach to agri - financing to
meet priority sector objectives while
mitigating credit risks
Fair valuation Merger
Regulatory of loans accounting

13
 Merger process
lFair valuation of loans done by Deloitte
Haskins & Sells
l Comprehensive review of credit rating
methodology
l Robust approach to evaluation
lExamination of loan files and review of
collateral
lAnalysis of projections and
restructuring schemes ( if any ) to
estimate future cashflows
l Discounted value of cashflows on the loan
calculated to estimate the fair value
noitaulaV

l Provisioning requirement ascertained by

above process extrapolated to the
balance portfolio
lEquity & related investment portfolio
marked to market
Fair valuation Merger
Regulatory of loans accounting

14
 In conclusion

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

15
 Thank You

16