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PerformancePerformancePerformancePerformance Review:Review:Review:Review: Q4Q4Q4Q4--2013--201320132013
PerformancePerformancePerformancePerformance Review:Review:Review:Review: Q4Q4Q4Q4--2013--201320132013

PerformancePerformancePerformancePerformance Review:Review:Review:Review:

Q4Q4Q4Q4--2013--201320132013

AprilAprilAprilApril 26,26,26,26, 2013201320132013

CertainCertainCertainCertain statementsstatementsstatementsstatements inininin thesethesethesethese

CertainCertainCertainCertain statementsstatementsstatementsstatements inininin thesethesethesethese slidesslidesslidesslides areareareare forwardforward-forwardforward--looking-lookinglookinglooking statements.statements.statements.statements. TheseTheseTheseThese statementsstatementsstatementsstatements areareareare basedbasedbasedbased onononon management'smanagement'smanagement'smanagement's currentcurrentcurrentcurrent expectationsexpectationsexpectationsexpectations andandandand areareareare subjectsubjectsubjectsubject totototo uncertaintyuncertaintyuncertaintyuncertainty andandandand changeschangeschangeschanges inininin circumstacircumstacircumstacircumstances.nces.nces.nces. ActualActualActualActual resultsresultsresultsresults maymaymaymay differdifferdifferdiffer materiallymateriallymateriallymaterially fromfromfromfrom thosethosethosethose includedincludedincludedincluded inininin thesethesethesethese statementsstatementsstatementsstatements duduedudueee totototo aaaa varietyvarietyvarietyvariety ofofofof factors.factors.factors.factors. MoreMoreMoreMore informationinformationinformationinformation aboutaboutaboutabout thesethesethesethese fafafafactorsctorsctorsctors isisisis containedcontcontcontainedainedained inininin ICICIICICIICICIICICI Bank'sBank'sBank'sBank's filingsfilingsfilingsfilings withwithwithwith thethethethe USUSUSUS SecuritiesSecuritiesSecuritiesSecurities andandandand ExcExcExcExchangehangehangehange Commission.CommissCommissCommission.ion.ion.

AllAllAllAll financialfinancialfinancialfinancial andandandand otherotherotherother informationinformationinformationinformation inininin thesethesethesethese slidesslidesslidesslides,,,, otherotherotherother thanthanthanthan financialfinancialfinancialfinancial andandandand otherotherotherother informationinformationinformationinformation forforforfor specificspecificspecificspecific subsidiariessubsidiariessubsidiariessubsidiaries whewhewhewherererere specificallyspecificalspecificalspecificallylyly mentioned,mentioned,mentioned,mentioned, isisisis onononon anananan unconsolidatedunconsolidatedunconsolidatedunconsolidated basisbasisbasisbasis forforforfor ICICIICICIICICIICICI BankBankBankBank LimitedLimitedLimitedLimited onlyonlyonlyonly unlessunlessunlessunless specificallyspecificallyspecificallyspecifically statedstatedstatedstated totototo bebebebe onononon aaaa consolidatedconsolidatedconsolidatedconsolidated basisbasisbasisbasis forforforfor ICICIICIICIICICICICI BankBankBankBank LimitedLimitedLimitedLimited andandandand itsitsitsits subsidiaries.subsidiaries.subsidiaries.subsidiaries. PleasePleasePleasePlease alsoalsoalsoalso referreferreferrefer totototo thethethethe statementstatementstatementstatement ofofofof unconsolidated,unconsolidated,unconsolidated,unconsolidated, consolidatedconsolidatedconsolidatedconsolidated andandandand segmentalsegmentalsegmentalsegmental resultsresultsresultsresults requiredrequiredrequiredrequired bybybyby IIndianIIndianndianndian regulationsregulationsregulationsregulations thatthatthatthat has,has,has,has, alongalongalongalong withwithwithwith thesethesethesethese slides,slides,slides,slides, beenbeenbeenbeen filedfiledfiledfiled withwithwithwith tthetthehehe stockstockstockstock exchangesexchangesexchangesexchanges inininin IndiaIndiaIndiaIndia wherewherewherewhere ICICIICICIICICIICICI BankBank’BankBank’’s’sss equityequityequityequity sharessharessharesshares areareareare listedlistedlistedlisted andandandand withwithwithwith thethethethe NewNewNewNew YorkYorkYorkYork StockStockStockStock ExchangeExchangeExchangeExchange andandandand thethethethe USUSUSUS SecuritiesSecuritiesSecuritiesSecurities aaaandndndnd ExchangeExchangeExchangeExchange Commission,Commission,Commission,Commission, andandandand isisisis availableavailableavailableavailable onononon ourourourour websitewebsitewebsitewebsite www.icicibank.comwww.icicibank.comwww.icicibank.comwww.icicibank.com

onononon ourourourour websitewebsitewebsitewebsite www.icicibank.comwww.icicibank.comwww.icicibank.comwww.icicibank.com 2
FY2013:FY2013:FY2013:FY2013: PerformancePerformancePerformancePerformance highlightshighlightshighlightshighlights

FY2013:FY2013:FY2013:FY2013: PerformancePerformancePerformancePerformance highlightshighlightshighlightshighlights

28.8%28.8%28.8%28.8% increaseincreaseincreaseincrease inininin standalonestandalonestandalonestandalone
28.8%28.8%28.8%28.8% increaseincreaseincreaseincrease inininin standalonestandalonestandalonestandalone profitprofitprofitprofit afterafterafterafter taxtaxtaxtax fromfromfromfrom ````
64.6564.6564.6564.65 bnbnbnbn inininin FY2012FY2012FY2012FY2012 (April(April(April(April 20112011-20112011--March-MarchMarchMarch 2012)2012)2012)2012) totototo ````
83.2583.2583.2583.25 bnbnbnbn inininin FY2013FY2013FY2013FY2013 (April(April(April(April 20122012-20122012--March-MarchMarchMarch 2013)2013)2013)2013)
NetNetNetNet interestinterestinterestinterest incomeincomeincomeincome increasedincreasedincreasedincreased bybybyby 29.2%29.2%29.2%29.2% yearyear-yearyear--on-onon-on---
year;year;year;year; fullfullfullfull yearyearyearyear netnetnetnet interestinterestinterestinterest marginmarginmarginmargin improvedimprovedimprovedimproved fromfromfromfrom
2.73%2.73%2.73%2.73% inininin FY2012FY2012FY2012FY2012 totototo 3.11%3.11%3.11%3.11% inininin FY2013FY2013FY2013FY2013
25.7%25.7%25.7%25.7% increaseincreaseincreaseincrease inininin consolidatedconsolidatedconsolidatedconsolidated profitprofitprofitprofit afterafterafterafter taxtaxtaxtax frofrofrofrommmm
```` 76.4376.4376.4376.43 bnbnbnbn inininin FY2012FY2012FY2012FY2012 totototo ```` 96.0496.0496.0496.04 bnbnbnbn inininin FY2013FY2013FY2013FY2013
ConsolidatedConsolidatedConsolidatedConsolidated returnreturnreturnreturn onononon equityequityequityequity forforforfor FY2013FY2013FY2013FY2013 atatatat 14.7%14.7%14.7%14.7%
comparedcomparedcomparedcompared totototo 13.0%13.0%13.0%13.0% forforforfor FY2012FY2012FY2012FY2012
Q4Q4Q4Q4--2013:--2013:2013:2013: PerformancePerformancePerformancePerformance highlightshighlightshighlightshighlights

Q4Q4Q4Q4--2013:--2013:2013:2013: PerformancePerformancePerformancePerformance highlightshighlightshighlightshighlights (1/2)(1/2)(1/2)(1/2)

21.1%21.1%21.1%21.1% increaseincreaseincreaseincrease inininin standalonestandalonestandalonestandalone
21.1%21.1%21.1%21.1% increaseincreaseincreaseincrease inininin standalonestandalonestandalonestandalone profitprofitprofitprofit afterafterafterafter taxtaxtaxtax fromfromfromfrom ````
19.0219.0219.0219.02 bnbnbnbn inininin Q4Q4-Q4Q4--2012-201220122012 (January(January-(January(January--March-MarchMarchMarch 2012)2012)2012)2012) totototo ````
23.0423.0423.0423.04 bnbnbnbn inininin Q4Q4-Q4Q4--2013-201320132013 (January(January-(January(January--March-MarchMarchMarch 2013)2013)2013)2013)
NetNetNetNet interestinterestinterestinterest incomeincomeincomeincome increasedincreasedincreasedincreased bybybyby 22.5%22.5%22.5%22.5% yearyear-yearyear--on-onon-on---
year;year;year;year; netnetnetnet interestinterestinterestinterest marginmarginmarginmargin atatatat 3.33%3.33%3.33%3.33%
InternationalInternationalInternationalInternational marginmarginmarginmargin atatatat 1.3%1.3%1.3%1.3%
37.7%37.7%37.7%37.7% increaseincreaseincreaseincrease inininin consolidatedconsolidatedconsolidatedconsolidated profitprofitprofitprofit afterafterafterafter taxtaxtaxtax frofrofrofrommmm
```` 18.1018.1018.1018.10 bnbnbnbn inininin Q4Q4-Q4Q4--2012-201220122012 totototo ```` 24.9224.9224.9224.92 bnbnbnbn inininin Q4Q4-Q4Q4--2013-201320132013
ConsolidatedConsolidatedConsolidatedConsolidated returnreturnreturnreturn onononon equityequityequityequity ((annualised((annualisedannualised)annualised))) forforforfor Q4Q4-Q4Q4---
2013201320132013 atatatat 14.5%14.5%14.5%14.5%
Q4Q4Q4Q4--2013:--2013:2013:2013: PerformancePerformancePerformancePerformance highlightshighlightshighlightshighlights

Q4Q4Q4Q4--2013:--2013:2013:2013: PerformancePerformancePerformancePerformance highlightshighlightshighlightshighlights (2/2)(2/2)(2/2)(2/2)

(2/2)(2/2)(2/2)(2/2) AdvancesAdvancesAdvancesAdvances

AdvancesAdvancesAdvancesAdvances increasedincreasedincreasedincreased bybybyby 14.4%14.4%14.4%14.4% yearyear-yearyear--on-onon-on--year-yearyearyear totototo ```` 2,902.492,902.492,902.492,902.49 billionbillionbillionbillion atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013

PeriodPeriodPeriodPeriod endendendend CASACASACASACASA ratioratioratioratio atatatat 41.9%41.9%41.9%41.9% atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013

AverageAverageAverageAverage CASACASACASACASA ratioratioratioratio atatatat 38.1%38.1%38.1%38.1% forforforfor Q4Q4-Q4Q4--2013-201320132013 comparedcomparedcomparedcompared totototo 37.4%37.4%37.4%37.4% forforforfor Q3Q3-Q3Q3--2013-201320132013

NetNetNetNet NPANPANPANPA ratioratioratioratio ofofofof 0.64%0.64%0.64%0.64% atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 (December(December(December(December 31,31,31,31, 2012:2012:2012:2012: 0.64%;0.64%;0.64%;0.64%; MarchMarchMarchMarch 31,31,31,31, 2012:2012:2012:2012:

0.62%)0.62%)0.62%)0.62%)

0.64%;0.64%;0.64%;0.64%; MarchMarchMarchMarch 31,31,31,31, 2012:2012:2012:2012: 0.62%)0.62%)0.62%)0.62%) 5
ProfitProfitProfitProfit &&&& losslosslossloss statementstatementstatementstatement (((( ````

ProfitProfitProfitProfit &&&& losslosslossloss statementstatementstatementstatement

((((```` billion)billion)billion)billion)

FY FY Q4- Q3- Q4- Q4-o-Q4 2012 2012 2013 2013 2013 growth NIINIINIINII 107.34107.34107.34107.34
FY
FY
Q4-
Q3-
Q4-
Q4-o-Q4
2012
2012
2013
2013
2013
growth
NIINIINIINII
107.34107.34107.34107.34
31.0531.0531.0531.05
34.9934.9934.9934.99
38.0338.0338.0338.03
138.66138.66138.66138.66
22.5%22.5%22.5%22.5%
NonNon-NonNon--interest-interestinterestinterest
incomeincomeincomeincome
75.0275.0275.0275.02
22.2822.2822.2822.28
22.1522.1522.1522.15
22.0822.0822.0822.08
83.4683.4683.4683.46
(0.9)%(0.9)%(0.9)%(0.9)%
---- FeeFeeFeeFee incomeincomeincomeincome
67.0767.0767.0767.07
17.2817.2817.2817.28
17.7117.7117.7117.71
17.7517.7517.7517.75
69.0169.0169.0169.01
2.7%2.7%2.7%2.7%
---- OtherOtherOtherOther incomeincomeincomeincome
8.088.088.088.08
3.423.423.423.42
1.931.931.931.93
3.403.403.403.40
9.509.509.509.50
(0.6)%(0.6)%(0.6)%(0.6)%
---- TreasuryTreasuryTreasuryTreasury incomeincomeincomeincome
(0.13)(0.13)(0.13)(0.13)
1.581.581.581.58
2.512.512.512.51
0.930.930.930.93
4.954.954.954.95
(41.1)%(41.1)%(41.1)%(41.1)%
Total income
182.36
53.33
57.14
60.11
222.12
12.7%
OperatingOperatingOperatingOperating
expensesexpensesexpensesexpenses 1111
78.5078.5078.5078.50
22.2222.2222.2222.22
22.6122.6122.6122.61
24.0724.0724.0724.07
90.1390.1390.1390.13
8.3%8.3%8.3%8.3%
Operating profit
103.86
31.11
34.53
36.04
131.99
15.8%

1.1.1.1. IncludesIncludesIncludesIncludes commissionscommissionscommissionscommissions paidpaidpaidpaid totototo directdirectdirectdirect marketingmarketingmarketingmarketing agagagagentsentsentsents ((DMAs((DMAsDMAs)DMAs))) forforforfor originationoriginationoriginationorigination ofofofof retailretailretailretail loansloansloansloans andandandand leaseleaseleaselease depreciationdepreciationdepreciationdepreciation

loansloansloansloans andandandand leaseleaseleaselease depreciationdepreciationdepreciationdepreciation 6
ProfitProfitProfitProfit &&&& losslosslossloss statementstatementstatementstatement (((( ````

ProfitProfitProfitProfit &&&& losslosslossloss statementstatementstatementstatement

((((```` billion)billion)billion)billion)

FY Q4- Q3- Q4- FY Q4-o-Q4 2012 2012 2013 2013 2013 growth Operating profit 103.86
FY
Q4-
Q3-
Q4- FY
Q4-o-Q4
2012
2012
2013
2013
2013
growth
Operating profit
103.86
31.11
34.53
36.04
131.99
15.8%
ProvisionsProvisionsProvisionsProvisions
15.8315.8315.8315.83
4.694.694.694.69
3.693.693.693.69 1111
4.604.604.604.60
18.0318.0318.0318.03
(1.9)%(1.9)%(1.9)%(1.9)%
Profit before tax
88.03
26.42
30.84
31.44
113.96
19.0%
TaxTaxTaxTax
23.3823.3823.3823.38
7.407.407.407.40
8.348.348.348.34
8.408.408.408.40
30.7130.7130.7130.71
13.5%13.5%13.5%13.5%
Profit after tax
64.65
19.02
22.50
23.04
83.25
21.1%
8.408.408.408.40 30.7130.7130.7130.71 13.5%13.5%13.5%13.5% Profit after tax 64.65 19.02 22.50 23.04 83.25 21.1% 7
BalanceBalanceBalanceBalance sheet:sheet:sheet:sheet: AssetsAssetsAssetsAssets (((( ```` billion)billion)billion)billion)

BalanceBalanceBalanceBalance sheet:sheet:sheet:sheet: AssetsAssetsAssetsAssets

((((```` billion)billion)billion)billion)

March 31, December March 31, Y-o-Y 2012 31, 2012 2013 growth CashCashCashCash &&&& bankbankbankbank
March 31,
December
March 31,
Y-o-Y
2012 31, 2012
2013 growth
CashCashCashCash &&&& bankbankbankbank balancesbalancesbalancesbalances
362.29362.29362.29362.29
411.29411.29411.29411.29
414.18414.18414.18414.18
14.3%14.3%14.3%14.3%
InvestmentsInvestmentsInvestmentsInvestments
1,595.601,595.601,595.601,595.60
1,668.421,668.421,668.421,668.42
1,713.941,713.941,713.941,713.94
7.4%7.4%7.4%7.4%
---- SLRSLRSLRSLR investmentsinvestmentsinvestmentsinvestments
869.39869.39869.39869.39
924.11924.11924.11924.11
923.76923.76923.76923.76
6.3%6.3%6.3%6.3%
---- EquityEquityEquityEquity investmentinvestmentinvestmentinvestment inininin
SubsidiariesSubsidiariesSubsidiariesSubsidiaries
124.53124.53124.53124.53
124.53124.53124.53124.53
123.22123.22123.22123.22
(1.1)%(1.1)%(1.1)%(1.1)%
----
RIDFRIDFRIDFRIDF 1111 andandandand relatedrelatedrelatedrelated
181.03181.03181.03181.03
193.42193.42193.42193.42
201.98201.98201.98201.98
11.6%11.6%11.6%11.6%
AdvancesAdvancesAdvancesAdvances 2222
2,537.282,537.282,537.282,537.28
2,867.662,867.662,867.662,867.66
2,902.492,902.492,902.492,902.49
14.4%14.4%14.4%14.4%
FixedFixedFixedFixed &&&& otherotherotherother assetsassetsassetsassets
395.52395.52395.52395.52
326.02326.02326.02326.02
337.34337.34337.34337.34
(14.7)%(14.7)%(14.7)%(14.7)%
Total assets 2
4,890.69
5,273.39
5,367.95
9.8%

1.1.1.1. RuralRuralRuralRural InfrastructureInfrastructureInfrastructureInfrastructure DevelopmentDevelopmentDevelopmentDevelopment FundFundFundFund

2.2.2.2. IncludingIncludingIncludingIncluding impactimpactimpactimpact ofofofof exchangeexchangeexchangeexchange raterateraterate movementmovementmovementmovement

NetNetNetNet investmentinvestmentinvestmentinvestment inininin securitysecuritysecuritysecurity receiptsreceiptsreceiptsreceipts ofofofof assetassetassetasset reconstructionreconstructionreconstructionreconstruction companiescompaniescompaniescompanies waswaswaswas ```` 11.4711.4711.4711.47 bnbnbnbn atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 (December(December(December(December 31,31,31,31, 2012:2012:2012:2012: ```` 13.1813.1813.1813.18 bn)bn)bn)bn) NetNetNetNet creditcreditcreditcredit derivativederivativederivativederivative exposureexposureexposureexposure (including(including(including(including offoffoffoff balanbalanbalanbalancececece sheetsheetsheetsheet exposure)expoexpoexposure)sure)sure) waswaswaswas US$US$US$US$ 56565656 mnmnmnmn atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 comparedcomparedcomparedcompared totototo US$US$US$US$ 59595959 mnmnmnmn atatatat DecemberDecemberDecemberDecember 31,31,31,31, 2012201220122012 andandandand US$US$US$US$ 201201201201 mnmnmnmn atatatat MarchMarchMarchMarch 31,31,31,31, 2012201220122012 UnderlyingUnderlyingUnderlyingUnderlying comprisescomprisescomprisescomprises IndianIndianIndianIndian corporatecorporatecorporatecorporate creditscreditscreditscredits

IndianIndianIndianIndian corporatecorporatecorporatecorporate creditscreditscreditscredits 8
LoanLoanLoanLoan bookbookbookbook classification:classification:classification:classification: newnewnewnew

LoanLoanLoanLoan bookbookbookbook classification:classification:classification:classification: newnewnewnew reportingreportingreportingreporting

NatureNatureNatureNature ofofofof loanloanloanloan EarlierEarlierEarlierEarlier reportedreportedreportedreported inininin
NatureNatureNatureNature ofofofof loanloanloanloan
EarlierEarlierEarlierEarlier reportedreportedreportedreported inininin
NowNowNowNow reportedreportedreportedreported inininin
BuilderBuilderBuilderBuilder financefinancefinancefinance
RetailRetailRetailRetail ---- homehomehomehome
DomesticDomesticDomesticDomestic corporatecorporatecorporatecorporate
LoansLoansLoansLoans totototo smallsmallsmallsmall
businessesbusinessesbusinessesbusinesses
SMESMESMESME
RetailRetailRetailRetail ---- businessbusinessbusinessbusiness
bankingbankingbankingbanking
DealerDealerDealerDealer fundingfundingfundingfunding
RetailRetailRetailRetail ---- otherotherotherother
securedsecuredsecuredsecured
RetailRetailRetailRetail ---- businessbusinessbusinessbusiness
bankingbankingbankingbanking
RuralRuralRuralRural retailretailretailretail i.e.i.e.i.e.i.e. portfoliosportfoliosportfoliosportfolios
likelikelikelike jeweljeweljeweljewel loans,loans,loans,loans, farmfarmfarmfarm
equipmentequipmentequipmentequipment loansloansloansloans etc.etc.etc.etc.
RuralRuralRuralRural
RetailRetailRetailRetail ---- othersothersothersothers
LoansLoansLoansLoans totototo SMEsSMEsSMEsSMEs relatedrelatedrelatedrelated
totototo agricultureagricultureagricultureagriculture
RuralRuralRuralRural
SMESMESMESME
LoansLoansLoansLoans totototo corporatescorporatescorporatescorporates
relatedrelatedrelatedrelated totototo agricultureagricultureagricultureagriculture
RuralRuralRuralRural
DomesticDomesticDomesticDomestic corporatecorporatecorporatecorporate
RuralRuralRuralRural DomesticDomesticDomesticDomestic corporatecorporatecorporatecorporate 9
CompositionCompositionCompositionComposition ofofofof loanloanloanloan bookbookbookbook ((y((yy-y--o-oo-o--y-yy)y))) March

CompositionCompositionCompositionComposition ofofofof loanloanloanloan bookbookbookbook ((y((yy-y--o-oo-o--y-yy)y)))

March 31, 2012

March 31, 2013

SMESMESMESME

SMESMESMESME

6.0%6.0%6.0%6.0%

5.2%5.2%5.2%5.2%

10

OverseasOverseasOverseasOverseas 1 branchesbranchesbranchesbranches 3 RetailRetailRetailRetail
OverseasOverseasOverseasOverseas
1
branchesbranchesbranchesbranches
3
RetailRetailRetailRetail businessbusinessbusinessbusiness
27.4%27.4%27.4%27.4%
38.0%38.0%38.0%38.0%
DomesticDomesticDomesticDomestic
2
corporatecorporatecorporatecorporate
28.6%28.6%28.6%28.6%
Total loan book: ```` 2,537 bn
OverseasOverseasOverseasOverseas 1 RetailRetailRetailRetail branchesbranchesbranchesbranches 3
OverseasOverseasOverseasOverseas
1
RetailRetailRetailRetail
branchesbranchesbranchesbranches
3
businessbusinessbusinessbusiness
25.3%25.3%25.3%25.3%
37.0%37.0%37.0%37.0%
DomesticDomesticDomesticDomestic
2
corporatecorporatecorporatecorporate
32.5%32.5%32.5%32.5%
Total loan book: ```` 2,902 bn

1.1.1.1. IncludingIncludingIncludingIncluding impactimpactimpactimpact ofofofof exchangeexchangeexchangeexchange raterateraterate movementmovementmovementmovement

2.2.2.2. DomesticDomesticDomesticDomestic corporatecorporatecorporatecorporate loansloansloansloans includeincludeincludeinclude builderbuilderbuilderbuilder financefinancefinancefinance

3.3.3.3. IncludingIncludingIncludingIncluding buyoutsbuyoutsbuyoutsbuyouts &&&& interinter-interinter--bank-bankbankbank participationparticipationparticipationparticipation certificatescertificatescertificatescertificates

participationparticipationparticipationparticipation certificatescertificatescertificatescertificates
participationparticipationparticipationparticipation certificatescertificatescertificatescertificates
CompositionCompositionCompositionComposition ofofofof retailretailretailretail loanloanloanloan bookbookbookbook

CompositionCompositionCompositionComposition ofofofof retailretailretailretail loanloanloanloan bookbookbookbook ((y((yy-y--o-oo-o--y-yy)y)))

March 31, 2012

CreditCreditCreditCredit cardscardscardscards

2.6%2.6%2.6%2.6%

PersonalPersonalPersonalPersonal loansloansloansloans BusinessBusinessBusinessBusiness 1.1%1.1%1.1%1.1%
PersonalPersonalPersonalPersonal loansloansloansloans
BusinessBusinessBusinessBusiness
1.1%1.1%1.1%1.1%
bankingbankingbankingbanking
7.2%7.2%7.2%7.2%
OthersOthersOthersOthers
11.0%11.0%11.0%11.0%
HomeHomeHomeHome
50.5%50.5%50.5%50.5%
1
VehicleVehicleVehicleVehicle loansloansloansloans
27.6%27.6%27.6%27.6%
Total retail loan book: ```` 964 bn

March 31, 2013

CreditCreditCreditCredit cardscardscardscards

2.5%2.5%2.5%2.5%

PersonalPersonalPersonalPersonal loansloansloansloans BusinessBusinessBusinessBusiness 1.5%1.5%1.5%1.5%
PersonalPersonalPersonalPersonal loansloansloansloans
BusinessBusinessBusinessBusiness
1.5%1.5%1.5%1.5%
bankingbankingbankingbanking
5.9%5.9%5.9%5.9%
OthersOthersOthersOthers
12.3%12.3%12.3%12.3%
2222 HomeHomeHomeHome
2 53.6%53.6%53.6%53.6%
VehicleVehicleVehicleVehicle loansloansloansloans
24.2%24.2%24.2%24.2%
Total retail loan book: ```` 1,074 bn

RetailRetailRetailRetail loanloanloanloan growthgrowthgrowthgrowth ofofofof 25.6%25.6%25.6%25.6% excludingexcludingexcludingexcluding impactimpactimpactimpact ofofofof bouboubouboughtghtghtght outoutoutout portfolioportfolioportfolioportfolio maturitiesmaturitiesmaturitiesmaturities &&&& lowerlowerlowerlower freshfreshfreshfresh buyoutsbuyoutsbuyoutsbuyouts

11

1.1.1.1. MarchMarchMarchMarch 31,31,31,31, 2012:2012:2012:2012: VehicleVehicleVehicleVehicle loansloansloansloans includesincludesincludesincludes autoautoautoauto loansloansloansloans 9.1%,9.1%,9.1%,9.1%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 18.5%18.5%18.5%18.5%

2.2.2.2. MarchMarchMarchMarch 31,31,31,31, 2013:2013:2013:2013: VehicleVehicleVehicleVehicle loansloansloansloans includesincludesincludesincludes autoautoautoauto loansloansloansloans 10.2%,10.2%,10.2%,10.2%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 13.9%13.9%13.9%13.9%

10.2%,10.2%,10.2%,10.2%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 13.9%13.9%13.9%13.9%
10.2%,10.2%,10.2%,10.2%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 13.9%13.9%13.9%13.9%
CompositionCompositionCompositionComposition ofofofof loanloanloanloan bookbookbookbook ((q((qq-q--o-oo-o--q-qq)q))) 12

CompositionCompositionCompositionComposition ofofofof loanloanloanloan bookbookbookbook ((q((qq-q--o-oo-o--q-qq)q)))

12

December 31, 2012

SMESMESMESME

5.2%5.2%5.2%5.2% OverseasOverseasOverseasOverseas RetailRetailRetailRetail 1 branchesbranchesbranchesbranches 3 1
5.2%5.2%5.2%5.2%
OverseasOverseasOverseasOverseas
RetailRetailRetailRetail
1
branchesbranchesbranchesbranches
3
1 businessbusinessbusinessbusiness
25.7%25.7%25.7%25.7%
3
34.9%34.9%34.9%34.9%
DomesticDomesticDomesticDomestic
2
2
corporatecorporatecorporatecorporate
34.2%34.2%34.2%34.2%

Total loan book: ```` 2,868 bn

March 31, 2013

SMESMESMESME

5.2%5.2%5.2%5.2% OverseasOverseasOverseasOverseas 1 RetailRetailRetailRetail branchesbranchesbranchesbranches 3
5.2%5.2%5.2%5.2%
OverseasOverseasOverseasOverseas
1
RetailRetailRetailRetail
branchesbranchesbranchesbranches
3
businessbusinessbusinessbusiness
25.3%25.3%25.3%25.3%
37.0%37.0%37.0%37.0%
DomesticDomesticDomesticDomestic
2
corporatecorporatecorporatecorporate
32.5%32.5%32.5%32.5%

Total loan book: ```` 2,902 bn

1.1.1.1. IncludingIncludingIncludingIncluding impactimpactimpactimpact ofofofof exchangeexchangeexchangeexchange raterateraterate movementmovementmovementmovement

2.2.2.2. DomesticDomesticDomesticDomestic corporatecorporatecorporatecorporate loansloansloansloans includeincludeincludeinclude builderbuilderbuilderbuilder financefinancefinancefinance

3.3.3.3. IncludingIncludingIncludingIncluding buyoutsbuyoutsbuyoutsbuyouts &&&& interinter-interinter--bank-bankbankbank participationparticipationparticipationparticipation certificatescertificatescertificatescertificates

participationparticipationparticipationparticipation certificatescertificatescertificatescertificates
participationparticipationparticipationparticipation certificatescertificatescertificatescertificates
CompositionCompositionCompositionComposition ofofofof retailretailretailretail loanloanloanloan bookbookbookbook

CompositionCompositionCompositionComposition ofofofof retailretailretailretail loanloanloanloan bookbookbookbook ((q((qq-q--o-oo-o--q-qq)q)))

13

December 31, 2012

CreditCreditCreditCredit cardscardscardscards

2.8%2.8%2.8%2.8%

BusinessBusinessBusinessBusiness PersonalPersonalPersonalPersonal loansloansloansloans bankingbankingbankingbanking
BusinessBusinessBusinessBusiness
PersonalPersonalPersonalPersonal loansloansloansloans
bankingbankingbankingbanking
1.1%1.1%1.1%1.1%
5.6%5.6%5.6%5.6%
OthersOthersOthersOthers
11.3%11.3%11.3%11.3%
2222
HomeHomeHomeHome
1 54.1%54.1%54.1%54.1%
VehicleVehicleVehicleVehicle loansloansloansloans
25.1%25.1%25.1%25.1%
Total retail loan book: ```` 999 bn

March 31, 2013

CreditCreditCreditCredit cardscardscardscards

2.5%2.5%2.5%2.5%

PersonalPersonalPersonalPersonal loansloansloansloans BusinessBusinessBusinessBusiness 1.5%1.5%1.5%1.5%
PersonalPersonalPersonalPersonal loansloansloansloans
BusinessBusinessBusinessBusiness
1.5%1.5%1.5%1.5%
bankingbankingbankingbanking
5.9%5.9%5.9%5.9%
OthersOthersOthersOthers
12.3%12.3%12.3%12.3%
2222 HomeHomeHomeHome
2 53.6%53.6%53.6%53.6%
VehicleVehicleVehicleVehicle loansloansloansloans
24.2%24.2%24.2%24.2%
Total retail loan book: ```` 1,074 bn

1.1.1.1. DecemberDecemberDecemberDecember 31,31,31,31, 2012:2012:2012:2012: VehicleVehicleVehicleVehicle loansloansloansloans includesincludesincludesincludes autoautoautoauto loanloanloloananssss 10.0%,10.0%,10.0%,10.0%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 15.1%15.1%15.1%15.1%

2.2.2.2. MarchMarchMarchMarch 31,31,31,31, 2013:2013:2013:2013: VehicleVehicleVehicleVehicle loansloansloansloans includesincludesincludesincludes autoautoautoauto loansloansloansloans 10.2%,10.2%,10.2%,10.2%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 13.9%13.9%13.9%13.9%

10.2%,10.2%,10.2%,10.2%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 13.9%13.9%13.9%13.9%
10.2%,10.2%,10.2%,10.2%, commercialcommercialcommercialcommercial businessbusinessbusinessbusiness 13.9%13.9%13.9%13.9%
EquityEquityEquityEquity investmentinvestmentinvestmentinvestment inininin

EquityEquityEquityEquity investmentinvestmentinvestmentinvestment inininin subsidiariessubsidiariessubsidiariessubsidiaries

((((```` billion)billion)billion)billion) March 31, December March 31, 2012 31, 2012 2013 ICICIICICIICICIICICI
((((```` billion)billion)billion)billion)
March 31,
December
March 31,
2012
31, 2012
2013
ICICIICICIICICIICICI PrudentialPrudentialPrudentialPrudential LifeLifeLifeLife InsuranceInsuranceInsuranceInsurance
35.9335.9335.9335.93
35.9335.9335.9335.93
35.9335.9335.9335.93
ICICIICICIICICIICICI BankBankBankBank CanadaCanadaCanadaCanada
33.5033.5033.5033.50
33.5033.5033.5033.50
33.5033.5033.5033.50
ICICIICICIICICIICICI BankBankBankBank UKUKUKUK
23.2523.2523.2523.25
23.2523.2523.2523.25
21.2021.2021.2021.20
ICICIICICIICICIICICI LombardLombardLombardLombard GeneralGeneralGeneralGeneral InsuranceInsuranceInsuranceInsurance
13.4813.4813.4813.48
13.4813.4813.4813.48
14.2214.2214.2214.22
ICICIICICIICICIICICI HomeHomeHomeHome FinanceFinanceFinanceFinance
11.1211.1211.1211.12
11.1211.1211.1211.12
11.1211.1211.1211.12
ICICIICICIICICIICICI BankBankBankBank EurasiaEurasiaEurasiaEurasia LLCLLCLLCLLC
3.003.003.003.00
3.003.003.003.00
3.003.003.003.00
ICICIICICIICICIICICI SecuritiesSecuritiesSecuritiesSecurities LimitedLimitedLimitedLimited
1.871.871.871.87
1.871.871.871.87
1.871.871.871.87
ICICIICICIICICIICICI SecuritiesSecuritiesSecuritiesSecurities PrimaryPrimaryPrimaryPrimary DealershipDealershipDealershipDealership
1.581.581.581.58
1.581.581.581.58
1.581.581.581.58
ICICIICICIICICIICICI AMCAMCAMCAMC
0.610.610.610.61
0.610.610.610.61
0.610.610.610.61
ICICIICICIICICIICICI VentureVentureVentureVenture FundsFundsFundsFunds MgmtMgmtMgmtMgmt
0.050.050.050.05
0.050.050.050.05
0.050.050.050.05
OthersOthersOthersOthers
0.140.140.140.14
0.140.140.140.14
0.140.140.140.14
Total
124.53
124.53
123.22
OthersOthersOthersOthers 0.140.140.140.14 0.140.140.140.14 0.140.140.140.14 Total 124.53 124.53 123.22 14
BalanceBalanceBalanceBalance sheet:sheet:sheet:sheet: LiabilitiesLiabilitiesLiabilitiesLiabilities (((( ````

BalanceBalanceBalanceBalance sheet:sheet:sheet:sheet: LiabilitiesLiabilitiesLiabilitiesLiabilities

((((```` billion)billion)billion)billion)

March 31, December March 31, Y-o-Y 2012 31, 2012 2013 growth NetNetNetNet worthworthworthworth
March 31,
December
March 31,
Y-o-Y
2012 31, 2012
2013 growth
NetNetNetNet worthworthworthworth
604.05604.05604.05604.05
671.19671.19671.19671.19
667.06667.06667.06667.06 10.4%10.4%10.4%10.4%
---- EquityEquityEquityEquity capitalcapitalcapitalcapital
11.5311.5311.5311.53
11.5311.5311.5311.53
11.5411.5411.5411.54
0.1%0.1%0.1%0.1%
---- ReservesReservesReservesReserves
592.52592.52592.52592.52
659.65659.65659.65659.65
655.52655.52655.52655.52
10.6%10.6%10.6%10.6%
DepositsDepositsDepositsDeposits
2,555.002,555.002,555.002,555.00
2,864.182,864.182,864.182,864.18
2,926.142,926.142,926.142,926.14
14.5%14.5%14.5%14.5%
---- SavingsSavingsSavingsSavings
760.46760.46760.46760.46
814.63814.63814.63814.63
856.51856.51856.51856.51
12.6%12.6%12.6%12.6%
---- CurrentCurrentCurrentCurrent
349.73349.73349.73349.73
356.74356.74356.74356.74
369.26369.26369.26369.26
5.6%5.6%5.6%5.6%
BorrowingsBorrowingsBorrowingsBorrowings 1,21,21,21,2
1,401.651,401.651,401.651,401.65
1,471.491,471.491,471.491,471.49
1,453.411,453.411,453.411,453.41
3.7%3.7%3.7%3.7%
OtherOtherOtherOther liabilitiesliabilitiesliabilitiesliabilities 3333
329.99329.99329.99329.99
266.53266.53266.53266.53
321.34321.34321.34321.34
0.1%0.1%0.1%0.1%
Total liabilities 2
4,890.69
5,273.39
5,367.95
9.8%

1.1.1.1. BorrowingsBorrowingsBorrowingsBorrowings includeincludeincludeinclude preferencepreferencepreferencepreference sharessharessharesshares amountingamountingamountingamounting totototo ```` 3.503.503.503.50 bnbnbnbn

2.2.2.2. IncludingIncludingIncludingIncluding impactimpactimpactimpact ofofofof exchangeexchangeexchangeexchange raterateraterate movementmovementmovementmovement

Credit/depositCredit/depositCredit/depositCredit/deposit ratioratioratioratio ofofofof 78.9%78.9%78.9%78.9% onononon thethethethe domesticdomesticdomesticdomestic balanbalanbalanbalancececece sheetsheetsheetsheet atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013

balanbalanbalanbalancececece sheetsheetsheetsheet atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 15
CompositionCompositionCompositionComposition ofofofof borrowingsborrowingsborrowingsborrowings (((( ````

CompositionCompositionCompositionComposition ofofofof borrowingsborrowingsborrowingsborrowings

((((```` billion)billion)billion)billion)

March 31, December March 31, 2012 31, 2012 2013 DomesticDomesticDomesticDomestic 739.78739.78739.78739.78
March 31,
December
March 31,
2012 31, 2012
2013
DomesticDomesticDomesticDomestic
739.78739.78739.78739.78
779.59779.59779.59779.59
784.69784.69784.69784.69
---- CapitalCapitalCapitalCapital instrumentsinstrumentsinstrumentsinstruments 1111
362.40362.40362.40362.40
388.37388.37388.37388.37
381.71381.71381.71381.71
---- OtherOtherOtherOther borrowingsborrowingsborrowingsborrowings
377.38377.38377.38377.38
391.22391.22391.22391.22
402.98402.98402.98402.98
OverseasOverseasOverseasOverseas 2222
661.87661.87661.87661.87
691.90691.90691.90691.90
668.72668.72668.72668.72
---- CapitalCapitalCapitalCapital instrumentsinstrumentsinstrumentsinstruments
17.2417.2417.2417.24
18.6518.6518.6518.65
18.4118.4118.4118.41
---- OtherOtherOtherOther borrowingsborrowingsborrowingsborrowings
644.62644.62644.62644.62
673.25673.25673.25673.25
650.31650.31650.31650.31
Total borrowings 2
1,401.65
1,471.49
1,453.41

1.1.1.1. IncludesIncludesIncludesIncludes preferencepreferencepreferencepreference shareshareshareshare capitalcapitalcapitalcapital ```` 3.503.503.503.50 bnbnbnbn

2.2.2.2. IncludingIncludingIncludingIncluding impactimpactimpactimpact ofofofof exchangeexchangeexchangeexchange raterateraterate movementmovementmovementmovement

CapitalCapitalCapitalCapital instrumentsinstrumentsinstrumentsinstruments constituteconstituteconstituteconstitute 48.6%48.6%48.6%48.6% ofofofof domesticdomesticdomesticdomestic boboboborrowingsrrowingsrrowingsrrowings

c d o m e s t i c d o m e s t i
CapitalCapitalCapitalCapital adequacyadequacyadequacyadequacy (Basel(Basel(Basel(Basel II)II)II)II) Basel II March 31,

CapitalCapitalCapitalCapital adequacyadequacyadequacyadequacy (Basel(Basel(Basel(Basel II)II)II)II)

Basel II March 31, 2012 December 31, March 31, 2013 2012 ` bn % `
Basel II
March 31, 2012
December 31,
March 31, 2013
2012
` bn
%
` bn
%
` bn
%
TotalTotalTotalTotal CapitalCapitalCapitalCapital
738.13738.13738.13738.13
18.52%18.52%18.52%18.52%
841.28841.28841.28841.28
19.53%19.53%19.53%19.53%
828.36828.36828.36828.36
18.74%18.74%18.74%18.74%
---- TierTierTierTier IIII
505.18505.18505.18505.18
12.68%12.68%12.68%12.68%
570.76570.76570.76570.76
13.25%13.25%13.25%13.25%
565.62565.62565.62565.62
12.80%12.80%12.80%12.80%
---- TierTierTierTier IIIIIIII
232.95232.95232.95232.95
5.84%5.84%5.84%5.84%
270.52270.52270.52270.52
6.28%6.28%6.28%6.28%
262.74262.74262.74262.74
5.95%5.95%5.95%5.95%
RiskRiskRiskRisk weightedweightedweightedweighted assetsassetsassetsassets
3,985.863,985.863,985.863,985.86
4,308.104,308.104,308.104,308.10
4,419.444,419.444,419.444,419.44
--On--OnOnOn balancebalancebalancebalance sheetsheetsheetsheet
3,043.233,043.233,043.233,043.23
3,323.643,323.643,323.643,323.64
3,420.273,420.273,420.273,420.27
--Off--OffOffOff balancebalancebalancebalance sheetsheetsheetsheet
942.63942.63942.63942.63
984.46984.46984.46984.46
999.17999.17999.17999.17
sheetsheetsheetsheet 942.63942.63942.63942.63 984.46984.46984.46984.46 999.17999.17999.17999.17 17
AssetAssetAssetAsset qualityqualityqualityquality andandandand provisioningprovisioningprovisioningprovisioning ( ( (

AssetAssetAssetAsset qualityqualityqualityquality andandandand provisioningprovisioningprovisioningprovisioning ((((```` billion)billion)billion)billion)

March 31, December March 31, 2012 31, 2012 2013 GrossGrossGrossGross NPAsNPAsNPAsNPAs 95.6395.6395.6395.63
March 31,
December
March 31,
2012 31, 2012
2013
GrossGrossGrossGross NPAsNPAsNPAsNPAs
95.6395.6395.6395.63
98.0398.0398.0398.03
96.4796.4796.4796.47
Less:Less:Less:Less: CumulativeCumulativeCumulativeCumulative provisionsprovisionsprovisionsprovisions
76.6976.6976.6976.69
76.1876.1876.1876.18
74.1374.1374.1374.13
NetNetNetNet NPAsNPAsNPAsNPAs
18.9418.9418.9418.94
21.8521.8521.8521.85
22.3422.3422.3422.34
NetNetNetNet NPANPANPANPA ratioratioratioratio
0.62%0.62%0.62%0.62%
0.64%0.64%0.64%0.64%
0.64%0.64%0.64%0.64%

18

GrossGrossGrossGross retailretailretailretail NPLsNPLsNPLsNPLs atatatat ```` 41.7641.7641.7641.76 bnbnbnbn andandandand netnetnetnet retailretailretailretail NPLsNPLsNPLsNPLs atatatat ```` 5.245.245.245.24 bnbnbnbn atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 1111 ProvisioningProvisioningProvisioningProvisioning coveragecoveragecoveragecoverage ratioratioratioratio ofofofof 76.8%76.8%76.8%76.8% atatatat MarchMarchMarchMarch 31,31,31,31, 2222013013013013 computedcomputedcomputedcomputed inininin accordanceaccordanceaccordanceaccordance withwithwithwith RBIRBIRBIRBI guidelinesguidelinesguidelinesguidelines NetNetNetNet loansloansloansloans totototo companiescompaniescompaniescompanies whosewhosewhosewhose facilitiesfacilitiesfacilitiesfacilities havehavehavehave beenbeenbeenbeen rrrrestructuredestructuredestructuredestructured atatatat ```` 53.1553.1553.1553.15 bnbnbnbn atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 comparedcomparedcomparedcompared totototo ```` 45.6245.6245.6245.62 bnbnbnbn atatatat DecemberDecemberDecemberDecember 31,31,31,31, 2012201220122012 andandandand ```` 45.5445.5445.5445.54 bnbnbnbn atatatat MarchMarchMarchMarch 31,31,31,31, 2012201220122012 OutstandingOutstandingOutstandingOutstanding generalgeneralgeneralgeneral provisionprovisionprovisionprovision onononon standardstandardstandardstandard assets:assets:assets:assets: ```` 16.2416.2416.2416.24 bnbnbnbn atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013

atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 1.1.1.1. ExcludesExcludesExcludesExcludes

1.1.1.1. ExcludesExcludesExcludesExcludes businessbusinessbusinessbusiness bankingbankingbankingbanking andandandand ruralruralruralrural retailretailretailretail loansloansloansloans

bankingbankingbankingbanking andandandand ruralruralruralrural retailretailretailretail loansloansloansloans
OverseasOverseasOverseasOverseas subsidiariessubsidiariessubsidiariessubsidiaries 19
OverseasOverseasOverseasOverseas subsidiariessubsidiariessubsidiariessubsidiaries
OverseasOverseasOverseasOverseas subsidiariessubsidiariessubsidiariessubsidiaries
OverseasOverseasOverseasOverseas subsidiariessubsidiariessubsidiariessubsidiaries 19
ICICIICICIICICIICICI BankBankBankBank UKUKUKUK assetassetassetasset profileprofileprofileprofile December 31, 2012

ICICIICICIICICIICICI BankBankBankBank UKUKUKUK assetassetassetasset profileprofileprofileprofile

December 31, 2012

Bonds/notesBonds/notesBonds/notesBonds/notes ofofofof financialfinancialfinancialfinancial AssetAssetAssetAsset
Bonds/notesBonds/notesBonds/notesBonds/notes ofofofof
financialfinancialfinancialfinancial
AssetAssetAssetAsset backedbackedbackedbacked
OtherOtherOtherOther assetsassetsassetsassets &&&&
investmentsinvestmentsinvestmentsinvestments
institutionsinstitutionsinstitutionsinstitutions
securitiessecuritiessecuritiessecurities
6.5%6.5%6.5%6.5%
2.5%2.5%2.5%2.5%
2.1%2.1%2.1%2.1%
IndiaIndiaIndiaIndia linkedlinkedlinkedlinked
investmentsinvestmentsinvestmentsinvestments
2222
8.0%8.0%8.0%8.0%
CashCashCashCash &&&& liquidliquidliquidliquid
securitiessecuritiessecuritiessecurities
1111
15.3%15.3%15.3%15.3%
LoansLoansLoansLoans &&&&
3333
advancesadvancesadvancesadvances
65.6%65.6%65.6%65.6%

TotalTotalTotalTotal assets:assets:assets:assets: USDUSDUSDUSD 4.04.04.04.0 bnbnbnbn

March 31, 2013

Bonds/notesBonds/notesBonds/notesBonds/notes ofofofof

financialfinancialfinancialfinancial AssetAssetAssetAsset backedbackedbackedbacked
financialfinancialfinancialfinancial
AssetAssetAssetAsset backedbackedbackedbacked
institutionsinstitutionsinstitutionsinstitutions
securitiessecuritiessecuritiessecurities
2.3%2.3%2.3%2.3%
2.1%2.1%2.1%2.1%
OtherOtherOtherOther assetsassetsassetsassets &&&&
investmentsinvestmentsinvestmentsinvestments
IndiaIndiaIndiaIndia linkedlinkedlinkedlinked
3.2%3.2%3.2%3.2%
2222
investmentsinvestmentsinvestmentsinvestments
7.4%7.4%7.4%7.4%
CashCashCashCash &&&& liquidliquidliquidliquid
securitiessecuritiessecuritiessecurities
1111
20.5%20.5%20.5%20.5%
LoansLoansLoansLoans &&&&
3333
advancesadvancesadvancesadvances
64.5%64.5%64.5%64.5%

TotalTotalTotalTotal assets:assets:assets:assets: USDUSDUSDUSD 3.63.63.63.6 bnbnbnbn

1.1.1.1. IncludesIncludesIncludesIncludes cashcashcashcash &&&& advancesadvancesadvancesadvances totototo banks,banks,banks,banks, TTTT BillsBillsBillsBills

2.2.2.2. IncludesIncludesIncludesIncludes IndiaIndia-IndiaIndia--linked-linkedlinkedlinked creditcreditcreditcredit derivativesderivativesderivativesderivatives ofofofof US$US$US$US$ 15151515 mnmnmnmn atatatat MarchMarchMarchMarch 31,31,3131,, 2013201320132013 (US$(US$(US$(US$ 15151515 mnmnmnmn atatatat DecemberDecemberDecemberDecember 31,31,31,31, 2012)2012)2012)2012)

3.3.3.3. IncludesIncludesIncludesIncludes securitiessecuritiessecuritiessecurities rere-rere--classified-classifiedclassifiedclassified totototo loansloansloansloans &&&& advancesadvancesadvancesadvances

totototo loansloansloansloans &&&& advancesadvancesadvancesadvances 20 20
ICICIICICIICICIICICI BankBankBankBank UKUKUKUK liabilityliabilityliabilityliability profileprofileprofileprofile December

ICICIICICIICICIICICI BankBankBankBank UKUKUKUK liabilityliabilityliabilityliability profileprofileprofileprofile

December 31, 2012

March 31, 2013

SyndicatedSyndicatedSyndicatedSyndicated

loansloansloansloans &&&&

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

SyndicatedSyndicatedSyndicatedSyndicated

loansloansloansloans &&&&

interbankinterbankinterbankinterbank

borrowingsborrowingsborrowingsborrowings

OtherOtherOtherOther

liabilitiesliabilitiesliabilitiesliabilities

3.9%3.9%3.9%3.9%

OtherOtherOtherOther

liabilitiesliabilitiesliabilitiesliabilities

3.9%3.9%3.9%3.9%

NetNetNetNet worthworthworthworth

18.5%18.5%18.5%18.5%

NetNetNetNet worthworthworthworth

17.3%17.3%17.3%17.3%

14.4%14.4%14.4%14.4% DemandDemandDemandDemand depositsdepositsdepositsdeposits 14.9%14.9%14.9%14.9% LongLongLongLong
14.4%14.4%14.4%14.4%
DemandDemandDemandDemand
depositsdepositsdepositsdeposits
14.9%14.9%14.9%14.9%
LongLongLongLong
TermTermTermTerm depositsdepositsdepositsdeposits
termtermtermterm debtdebtdebtdebt
36.3%36.3%36.3%36.3%
14.7%14.7%14.7%14.7%
13.9%13.9%13.9%13.9% DemandDemandDemandDemand depositsdepositsdepositsdeposits 17.4%17.4%17.4%17.4% TermTermTermTerm
13.9%13.9%13.9%13.9%
DemandDemandDemandDemand
depositsdepositsdepositsdeposits
17.4%17.4%17.4%17.4%
TermTermTermTerm depositsdepositsdepositsdeposits
32.8%32.8%32.8%32.8%

LongLongLongLong

termtermtermterm debtdebtdebtdebt

12.0%12.0%12.0%12.0%

TotalTotalTotalTotal liabilities:liabilities:liabilities:liabilities: USDUSDUSDUSD 4.04.04.04.0 bnbnbnbn

TotalTotalTotalTotal liabilities:liabilities:liabilities:liabilities: USDUSDUSDUSD 3.63.63.63.6 bnbnbnbn

ProfitProfitProfitProfit afterafterafterafter taxtaxtaxtax ofofofof US$US$US$US$ 14.414.414.414.4 mnmnmnmn inininin FY2013FY2013FY2013FY2013 comparedcomparedcomparedcompared totototo US$US$US$US$ 25.425.425.425.4 mmnmmnnn inininin FY2012FY2012FY2012FY2012

CapitalCapitalCapitalCapital adequacyadequacyadequacyadequacy ratioratioratioratio atatatat 30.8%30.8%30.8%30.8%

ProportionProportionProportionProportion ofofofof retailretailretailretail termtermtermterm depositsdepositsdepositsdeposits inininin totaltotaltotaltotal depositdepositdepositdepositssss atatatat 51%51%51%51% atatatat MMarchMMarcharcharch 31,31,31,31, 2013201320132013

depositdepositdepositdepositssss atatatat 51%51%51%51% atatatat MMarchMMarcharcharch 31,31,31,31, 2013201320132013 21 21
ICICIICICIICICIICICI BankBankBankBank CanadaCanadaCanadaCanada assetassetassetasset profileprofileprofileprofile December

ICICIICICIICICIICICI BankBankBankBank CanadaCanadaCanadaCanada assetassetassetasset profileprofileprofileprofile

December 31, 2012

IndiaIndiaIndiaIndia linkedlinkedlinkedlinked

CashCashCashCash &&&& liquidliquidliquidliquid securitiessecuritiessecuritiessecurities
CashCashCashCash &&&& liquidliquidliquidliquid
securitiessecuritiessecuritiessecurities
investmentsinvestmentsinvestmentsinvestments
2222 InsuredInsuredInsuredInsured
3333
1111
0.1%0.1%0.1%0.1%
mortgmortgmortgmortgagagagageeee
14.2%14.2%14.2%14.2%
30.9%30.9%30.9%30.9%
OtherOtherOtherOther assetsassetsassetsassets &&&&
investmentsinvestmentsinvestmentsinvestments
8.8%8.8%8.8%8.8%
AssetAssetAssetAsset backedbackedbackedbacked
securitiessecuritiessecuritiessecurities
LoansLoansLoansLoans totototo
0.3%0.3%0.3%0.3%
customerscustomerscustomerscustomers
45.7%45.7%45.7%45.7%

March 31, 2013

IndiaIndiaIndiaIndia linkedlinkedlinkedlinked 2222 investmentsinvestmentsinvestmentsinvestments
IndiaIndiaIndiaIndia linkedlinkedlinkedlinked
2222
investmentsinvestmentsinvestmentsinvestments
InsuredInsuredInsuredInsured
CashCashCashCash &&&& liquidliquidliquidliquid
3333
1111 0.0%0.0%0.0%0.0%
mortgmortgmortgmortgageageageage
securitiessecuritiessecuritiessecurities
33.7%33.7%33.7%33.7%
15.4%15.4%15.4%15.4%
OtherOtherOtherOther assetsassetsassetsassets &&&&
investmentsinvestmentsinvestmentsinvestments
9.2%9.2%9.2%9.2%
AssetAssetAssetAsset backedbackedbackedbacked
securitiessecuritiessecuritiessecurities
LoansLoansLoansLoans totototo
0.3%0.3%0.3%0.3%
customerscustomerscustomerscustomers
41.4%41.4%41.4%41.4%

22

TotalTotalTotalTotal assets:assets:assets:assets: CADCADCADCAD 5.35.35.35.3 bnbnbnbn

TotalTotalTotalTotal assets:assets:assets:assets: CADCADCADCAD 5.45.45.45.4 bnbnbnbn

1.1.1.1. IncludesIncludesIncludesIncludes cashcashcashcash &&&& advancesadvancesadvancesadvances totototo banksbanksbanksbanks andandandand governmentgovernmentgovernmentgovernment securitiessecuritiessecuritiessecurities

2.2.2.2. IncludesIncludesIncludesIncludes IndiaIndia-IndiaIndia--linked-linkedlinkedlinked creditcreditcreditcredit derivativesderivativesderivativesderivatives ofofofof nilnilnilnil atatatat MarchMarchMarchMarch 31,31,31,31,

2013201320132013

3.3.3.3. BasedBasedBasedBased onononon IFRS,IFRS,IFRS,IFRS, securitisedsecuritisedsecuritisedsecuritised portfolioportfolioportfolioportfolio ofofofof CADCADCADCAD 1,5831,5831,5831,583 mmmnmnnn andandandand CADCADCADCAD 1,7451,7451,7451,745 mnmnmnmn consideredconsideredconsideredconsidered asasasas partpartpartpart ofofofof InsuredInsuredInsuredInsured mortgagemortgagemortgagemortgage portfolioportfolioportfolioportfolio atatatat DecemberDecemberDecemberDecember 31,31,31,31, 2012201220122012 andandandand MarchMarchMarchMarch 31,31,31,31, 2013201320132013 respectivelyrespectivelyrespectivelyrespectively

andandandand MarchMarchMarchMarch 31,31,31,31, 2013201320132013 respectivelyrespectivelyrespectivelyrespectively
andandandand MarchMarchMarchMarch 31,31,31,31, 2013201320132013 respectivelyrespectivelyrespectivelyrespectively
ICICIICICIICICIICICI BankBankBankBank CanadaCanadaCanadaCanada liabilityliabilityliabilityliability

ICICIICICIICICIICICI BankBankBankBank CanadaCanadaCanadaCanada liabilityliabilityliabilityliability profileprofileprofileprofile

December 31, 2012

March 31, 2013

OtherOtherOtherOther

liabilitiesliabilitiesliabilitiesliabilities

1.0%1.0%1.0%1.0%

OtherOtherOtherOther

liabilitiesliabilitiesliabilitiesliabilities

2.2%2.2%2.2%2.2%

NetNetNetNet worthworthworthworth

19.1%19.1%19.1%19.1%

NetNetNetNet worthworthworthworth

19.0%19.0%19.0%19.0%

1111 BorrowingBorrowingBorrowingBorrowingssss 31.2%31.2%31.2%31.2% TermTermTermTerm depositsdepositsdepositsdeposits
1111
BorrowingBorrowingBorrowingBorrowingssss
31.2%31.2%31.2%31.2%
TermTermTermTerm depositsdepositsdepositsdeposits
33.3%33.3%33.3%33.3%
DemandDemandDemandDemand

depositsdepositsdepositsdeposits

15.5%15.5%15.5%15.5%

TotalTotalTotalTotal liabilities:liabilities:liabilities:liabilities: CADCADCADCAD 5.35.35.35.3 bnbnbnbn

1111 2222 BorrowingsBorrowingsBorrowingsBorrowings 33.8%33.8%33.8%33.8% TermTermTermTerm
1111 2222
BorrowingsBorrowingsBorrowingsBorrowings
33.8%33.8%33.8%33.8%
TermTermTermTerm depositsdepositsdepositsdeposits
29.9%29.9%29.9%29.9%

DemandDemandDemandDemand

depositsdepositsdepositsdeposits

15.0%15.0%15.0%15.0%

TotalTotalTotalTotal liabilities:liabilities:liabilities:liabilities: CADCADCADCAD 5.45.45.45.4 bnbnbnbn

ProfitProfitProfitProfit afterafterafterafter taxtaxtaxtax ofofofof CADCADCADCAD 43.643.643.643.6 mnmnmnmn inininin FY2013FY2013FY2013FY2013 comparedcomparedcomparedcompared totototo CADCADCADCAD 34.434.434.434.4 mmnmmnnn inininin FY2012FY2012FY2012FY2012

CapitalCapitalCapitalCapital adequacyadequacyadequacyadequacy ratioratioratioratio atatatat 33.2%33.2%33.2%33.2%

1.1.1.1. AsAsAsAs perperperper IFRS,IFRS,IFRS,IFRS, proceedsproceedsproceedsproceeds ofofofof CADCADCADCAD 1,5901,5901,5901,590 mnmnmnmn andandandand CADCADCADCAD 1,7431,7431,71,74343 mnmnmnmn fromfromfromfrom salesalesalesale ofofofof securitisedsecuritisedsecuritisedsecuritised portfolioportfolioportfolioportfolio consideredconsideredconsideredconsidered asasasas partpartpartpart ofofofof borrowingsborrowingsborrowingsborrowings atatatat DecemberDecemberDecemberDecember 31,31,31,31, 2012201220122012 andandandand MarchMarchMarchMarch 31,31,31,31, 2013201320132013 respectivelyrespectivelyrespectivelyrespectively

andandandand MarchMarchMarchMarch 31,31,31,31, 2013201320132013 respectivelyrespectivelyrespectivelyrespectively 2323
ICICIICICIICICIICICI BankBankBankBank EurasiaEurasiaEurasiaEurasia assetassetassetasset profileprofileprofileprofile

ICICIICICIICICIICICI BankBankBankBank EurasiaEurasiaEurasiaEurasia assetassetassetasset profileprofileprofileprofile

December 31, 2012

OtherOtherOtherOther assetsassetsassetsassets &&&& investmentsinvestmentsinvestmentsinvestments

0.8%0.8%0.8%0.8% CashCashCashCash &&&& cashcashcashcash equivalentsequivalentsequivalentsequivalents
0.8%0.8%0.8%0.8%
CashCashCashCash &&&& cashcashcashcash
equivalentsequivalentsequivalentsequivalents
1111
29.7%29.7%29.7%29.7%
LoansLoansLoansLoans totototo
corporatescorporatescorporatescorporates &&&&
banksbanksbanksbanks
52.9%52.9%52.9%52.9%
RetailRetailRetailRetail loansloansloansloans
15.6%15.6%15.6%15.6%

CorporateCorporateCorporateCorporate

March 31, 2013

OtherOtherOtherOther assetsassetsassetsassets &&&& investmentsinvestmentsinvestmentsinvestments

0.7%0.7%0.7%0.7% CashCashCashCash &&&& cashcashcashcash equivalentsequivalentsequivalentsequivalents
0.7%0.7%0.7%0.7%
CashCashCashCash &&&& cashcashcashcash
equivalentsequivalentsequivalentsequivalents
1111
LoansLoansLoansLoans totototo
30.2%30.2%30.2%30.2%
corporatescorporatescorporatescorporates &&&&
banksbanksbanksbanks
53.4%53.4%53.4%53.4%
RetailRetailRetailRetail loansloansloansloans
14.9%14.9%14.9%14.9%

CorporateCorporateCorporateCorporate

bondsbondsbondsbonds

bondsbondsbondsbonds

1.0%1.0%1.0%1.0%

0.8%0.8%0.8%0.8%

TotalTotalTotalTotal assets:assets:assets:assets: USDUSDUSDUSD 246246246246 mnmnmnmn

TotalTotalTotalTotal assets:assets:assets:assets: USDUSDUSDUSD 245245245245 mnmnmnmn

TotalTotalTotalTotal borrowingsborrowingsborrowingsborrowings ofofofof USDUSDUSDUSD 138138138138 mnmnmnmn atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013

CapitalCapitalCapitalCapital adequacyadequacyadequacyadequacy ofofofof 27.0%27.0%27.0%27.0% atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013

NetNetNetNet profitprofitprofitprofit ofofofof USDUSDUSDUSD 6.16.16.16.1 mnmnmnmn inininin FY2013FY2013FY2013FY2013 comparedcomparedcomparedcompared totototo USDUSDUSDUSD 4.34.34.34.3 mnmnmnmn inininin FY2FY2012FY2FY2012012012

2424

1.1.1.1. IncludesIncludesIncludesIncludes cashcashcashcash &&&& callcallcallcall placementsplacementsplacementsplacements withwithwithwith banks,banks,banks,banks, balancesbalancesbalancesbalances withwithwithwith centralcentralcentralcentral bank,bank,bank,bank, governmentgovernmentgovernmentgovernment securitiessecuritiessecuritiessecurities andandandand nostronostronostronostro balancesbalancesbalancesbalances

securitiessecuritiessecuritiessecurities andandandand nostronostronostronostro balancesbalancesbalancesbalances
securitiessecuritiessecuritiessecurities andandandand nostronostronostronostro balancesbalancesbalancesbalances
DomesticDomesticDomesticDomestic subsidiariessubsidiariessubsidiariessubsidiaries 25
DomesticDomesticDomesticDomestic subsidiariessubsidiariessubsidiariessubsidiaries
DomesticDomesticDomesticDomestic subsidiariessubsidiariessubsidiariessubsidiaries
DomesticDomesticDomesticDomestic subsidiariessubsidiariessubsidiariessubsidiaries 25
ICICIICICIICICIICICI HomeHomeHomeHome FinanceFinanceFinanceFinance December 31, 2012

ICICIICICIICICIICICI HomeHomeHomeHome FinanceFinanceFinanceFinance

December 31, 2012

InvestmentsInvestmentsInvestmentsInvestments andandandand otherotherotherother assetsassetsassetsassets

11.3%11.3%11.3%11.3% LoansLoansLoansLoans 88.7%88.7%88.7%88.7%
11.3%11.3%11.3%11.3%
LoansLoansLoansLoans
88.7%88.7%88.7%88.7%

TotalTotalTotalTotal assets:assets:assets:assets: ```` 72.6572.6572.6572.65 bnbnbnbn

March 31, 2013

InvestmentsInvestmentsInvestmentsInvestments andandandand otherotherotherother assetsassetsassetsassets

9.5%9.5%9.5%9.5% LoansLoansLoansLoans 90.5%90.5%90.5%90.5%
9.5%9.5%9.5%9.5%
LoansLoansLoansLoans
90.5%90.5%90.5%90.5%

TotalTotalTotalTotal assets:assets:assets:assets: ```` 72.0272.0272.0272.02 bnbnbnbn

ProfitProfitProfitProfit afterafterafterafter taxtaxtaxtax ofofofof ```` 2.202.202.202.20 bnbnbnbn inininin FY2013FY2013FY2013FY2013 comparedcomparedcomparedcompared totototo ```` 2.602.602.602.60 bnbnbnbn inininin FY2012FY2012FY2012FY2012 CapitalCapitalCapitalCapital adequacyadequacyadequacyadequacy ratioratioratioratio ofofofof 28.8%28.8%28.8%28.8% atatatat MarchMarchMarchMarch 31,31,31,31, 2013201320132013 NetNetNetNet NPANPANPANPA ratio:ratio:ratio:ratio: 0.8%0.8%0.8%0.8%

AtAtAtAt MarchMarchMarchMarch 31,31,31,31, 2013:2013:2013:2013: NetworthNetworthNetworthNetworth ```` 14.6514.6514.6514.65 bn;bn;bn;bn; DepositsDepositsDepositsDeposits ```` 3.823.823.823.82 bnbnbnbn andandandand BorrowingsBorrowingsBorrowingsBorrowings ```` 53.5653.5653.5653.56 bnbnbnbn

3.823.823.823.82 bnbnbnbn andandandand BorrowingsBorrowingsBorrowingsBorrowings ```` 53.5653.5653.5653.56 bnbnbnbn 26
I C I C I I C I C I I C I C I

ICICIICICIICICIICICI LifeLifeLifeLife

((((```` billion)billion)billion)billion)

FY2012 FY2013 NewNewNewNew businessbusinessbusinessbusiness receivedreceivedreceivedreceived
FY2012
FY2013
NewNewNewNew businessbusinessbusinessbusiness receivedreceivedreceivedreceived premiumpremiumpremiumpremium
44.4144.4144.4144.41
48.0948.0948.0948.09
RenewalRenewalRenewalRenewal premiumpremiumpremiumpremium
95.8095.8095.8095.80
87.2987.2987.2987.29
TotalTotalTotalTotal premiumpremiumpremiumpremium
140.22140.22140.22140.22
135.38135.38135.38135.38
AnnualisedAnnualisedAnnualisedAnnualised premiumpremiumpremiumpremium equivalentequivalentequivalentequivalent (APE)(APE)(APE)(APE)
31.1831.1831.1831.18
35.3235.3235.3235.32
NewNewNewNew BusinessBusinessBusinessBusiness ProfitProfitProfitProfit (NBP)(NBP)(NBP)(NBP)
5.005.005.005.00
5.295.295.295.29
NBPNBPNBPNBP marginmarginmarginmargin
16.0%16.0%16.0%16.0%
15.0%15.0%15.0%15.0%
StatutoryStatutoryStatutoryStatutory profitprofitprofitprofit
13.8413.8413.8413.84
14.9614.9614.9614.96
AssetsAssetsAssetsAssets UnderUnderUnderUnder ManagementManagementManagementManagement
707.71707.71707.71707.71
741.64741.64741.64741.64
ExpenseExpenseExpenseExpense ratioratioratioratio 1111
17.9%17.9%17.9%17.9%
19.2%19.2%19.2%19.2%

SustainedSustainedSustainedSustained leadershipleadershipleadershipleadership inininin privateprivateprivateprivate spacespacespacespace withwithwithwith aaaa marketmarketmarketmarket shareshareshareshare ofofofof 7.2%7.2%7.2%7.2% 2222 forforforfor AprilAprilAprilApril 20122012-20122012--February-FebruaryFebruaryFebruary 2013201320132013 AnnualisedAnnualisedAnnualisedAnnualised premiumpremiumpremiumpremium equivalentequivalentequivalentequivalent increasedincreasedincreasedincreased bybybyby 18.6%18.6%18.6%18.6% fromfromfromfrom ```` 10.7710.7710.7710.77 bnbnbnbn inininin Q4Q4-Q4Q4--2012-201220122012 totototo ```` 12.7712.7712.7712.77 bnbnbnbn inininin Q4Q4-Q4Q4--2013-201320132013

1.1.1.1. ExpenseExpenseExpenseExpense ratio:ratio:ratio:ratio: AllAllAllAll expensesexpensesexpensesexpenses (including(including(including(including commissioncommissioncommissioncommission aaandandndnd excludingexcludingexcludingexcluding unitunitunitunit costs)costs)costs)costs) //// (Total(Total(Total(Total premiumpremiumpremiumpremium –––– 90%90%90%90% ofofofof SingleSingleSingleSingle Premium)Premium)Premium)Premium)

2.2.2.2. Source:Source:Source:Source: IRDAIRDAIRDAIRDA (based(based(based(based onononon newnewnewnew businessbusinessbusinessbusiness retailretailretailretail weightedweightedweightweighteded premium)premium)premium)premium)

retailretailretailretail weightedweightedweightweighteded premium)premium)premium)premium) 272727
ICICIICICIICICIICICI GeneralGeneralGeneralGeneral (((( ```` billion)billion)billion)billion)   FY2012 FY2013

ICICIICICIICICIICICI GeneralGeneralGeneralGeneral

((((```` billion)billion)billion)billion)

 

FY2012

FY2013

GrossGrossGrossGross premiumpremiumpremiumpremium 1111

53.5853.5853.5853.58

64.2064.2064.2064.20

PATPATPATPAT

(4.16)(4.16)(4.16)(4.16) 2222

3.063.063.063.06

3333

MarketMarketMarketMarket shareshareshareshare basedbasedbasedbased onononon grossgrossgrossgross writtenwrittenwrittenwritten premiumpremiumpremiumpremium waswaswaswas 9.89.89.89.8%%%% 4444 forforforfor AprilAprilAprilApril 20122012-20122012--February-FebruaryFebruaryFebruary 2013201320132013

1.1.1.1. ExcludingExcludingExcludingExcluding remittancesremittancesremittancesremittances fromfromfromfrom thirdthirdthirdthird partypartypartyparty motormotormotormotor poolpoolpoolpool (((the(thethethe Pool)Pool)Pool)Pool) andandandand includingincludingincludingincluding premiumpremiumpremiumpremium onononon reinsurancereinsurancereinsurancereinsurance acceptedacceptedacceptedaccepted

2.2.2.2. IRDAIRDAIRDAIRDA throughthroughthroughthrough itsitsitsits ordersordersordersorders dateddateddateddated DecemberDecemberDecemberDecember 23,23,23,23, 2011,2011,2011,2011, JaJaJanuaryJanuarynuarynuary 3,3,3,3, 2012201220122012 andandandand MarchMarchMarchMarch 22,22,22,22, 2012201220122012 hadhadhadhad directeddirecteddirecteddirected thethethethe dismantlingdismantlingdismantlingdismantling ofofofof thethethethe PoolPoolPoolPool onononon aaaa cleancleancleanclean cutcutcutcut basisbasisbasisbasis andandandand adadvisedadadvisedvisedvised recognitionrecognitionrecognitionrecognition ofofofof PoolPoolPoolPool liabilitiesliabilitiesliabilitiesliabilities asasasas perperperper thethethethe losslosslossloss ratiosratiosratiosratios estimatedestimatedestimatedestimated bybybyby GADGADGADGAD UKUKUKUK (“(((““GAD“GADGADGAD EstimatesEstimatesEstimatesEstimates)))) forforforfor allallallall underwritingunderwritingunderwritingunderwriting yearsyearsyearsyears commencingcommencingcommencingcommencing fromfromfromfrom thethethethe yearyearyearyear endedendedendedended MarchMarchMarchMarch 31,31,31,31, 2008200820082008 totototo yearyearyearyear endedendeendeendeddd MarchMarchMarchMarch 31,31,31,31, 2012,2012,2012,2012, withwithwithwith thethethethe optionoptionoptionoption totototo recogniserecogniserecogniserecognise thethethethe samesamesamesame overoveroverover aaaa threethreethreethree yearyearyearyear periodperiod.periodperiod ICICIICICIICICIICICI GeneralGeneralGeneralGeneral hadhadhadhad decideddecideddecideddecided totototo recogniserecogniserecogniserecognise thethethethe additionaladditionaladditionaladditional liabilitiesliabilitiesliabilitiesliabilities ofofofof thethethethe PoolPoolPoolPool inininin FY2012FY2012FY2012FY2012 andandandand therefore,therefore,therefore,therefore, thethethethe losslosslossloss afterafterafterafter taxtaxtaxtax ofofofof ICICIICICIICICIICICI GeneralGeneralGeneralGeneral ofofofof ```` 4.164.164.164.16 bnbnbnbn forforforfor FY2012FY2012FY2012FY2012 includesincludesincludesincludes thethethethe impactimpactimpactimpact ofofofof additionaadditionaadditionaadditionallll PoolPoolPoolPool losselosseslosselossesss ofofofof ```` 6.856.856.856.85 bnbnbnbn

3.3.3.3. IncludesIncludesIncludesIncludes impactimpactimpactimpact ofofofof thirdthirdthirdthird partypartypartyparty motormotormotormotor poolpoolpoolpool losseslosseslosseslosses inininin Q4Q4-Q4Q4--2013-201320132013 onononon accountaccountaccountaccount ofofofof actuarialactuarialactuarialactuarial valuationvaluationvaluationvaluation ofofofof thethethethe liabilityliabilityliabilityliability forforforfor thethethethe periodperiodperiodperiod FY2007FY2007FY2007FY2007 totototo FY2012FY2012FY2012FY2012

4.4.4.4. Source:Source:Source:Source: IRDAIRDAIRDAIRDA

FY2007FY2007FY2007FY2007 totototo FY2012FY2012FY2012FY2012 4.4.4.4. Source:Source:Source:Source: IRDAIRDAIRDAIRDA 28
OtherOtherOtherOther subsidiariessubsidiariessubsidiariessubsidiaries (((( ```` billion)billion)billion)billion) Profit

OtherOtherOtherOther subsidiariessubsidiariessubsidiariessubsidiaries

((((```` billion)billion)billion)billion)

Profit after tax FY2012 FY2013 ICICIICICIICICIICICI SecuritiesSecuritiesSecuritiesSecurities
Profit after tax
FY2012
FY2013
ICICIICICIICICIICICI SecuritiesSecuritiesSecuritiesSecurities (Consolidated)(Consolidated)(Consolidated)(Consolidated)
0.780.780.780.78
0.640.640.640.64
ICICIICICIICICIICICI SecuritiesSecuritiesSecuritiesSecurities PrimaryPrimaryPrimaryPrimary DealershipDealershipDealershipDealership
0.860.860.860.86
1.221.221.221.22
ICICIICICIICICIICICI VentureVentureVentureVenture
0.680.680.680.68
0.200.200.200.20
ICICIICICIICICIICICI PrudentialPrudentialPrudentialPrudential AssetAssetAssetAsset ManagementManagementManagementManagement
0.880.880.880.88
1.101.101.101.10

25.7%25.7%25.7%25.7% increaseincreaseincreaseincrease inininin consolidatedconsolidatedconsolidatedconsolidated profitprofitprofitprofit afterafterafterafter taxtaxtaxtax frofrofrofrommmm ```` 76.4376.4376.4376.43 bnbnbnbn inininin FY2012FY2012FY2012FY2012 totototo ```` 96.0496.0496.0496.04 bnbnbnbn inininin FY2013FY2013FY2013FY2013

37.7%37.7%37.7%37.7% increaseincreaseincreaseincrease inininin consolidatedconsolidatedconsolidatedconsolidated profitprofitprofitprofit afterafterafterafter taxtaxtaxtax frofrofrofrommmm ```` 18.1018.1018.1018.10 bnbnbnbn inininin Q4Q4-Q4Q4--2012-201220122012 totototo ```` 24.9224.9224.9224.92 bnbnbnbn inininin Q4Q4-Q4Q4--2013-201320132013

ConsolidatedConsolidatedConsolidatedConsolidated returnreturnreturnreturn onononon averageaverageaverageaverage netnetnetnet worthworthworthworth forforforfor FY2013FY2013FY2013FY2013 atatatat 14.7%14.7%14.7%14.7% comparedcomparedcomparedcompared totototo 13.0%13.0%13.0%13.0% forforforfor FY2012FY2012FY2012FY2012

ConsolidatedConsolidatedConsolidatedConsolidated returnreturnreturnreturn onononon averageaverageaverageaverage netnetnetnet worthworthworthworth ((annualise((annualisedannualised)annualisedd))) forforforfor Q4Q4-Q4Q4--- 2013201320132013 atatatat 14.5%14.5%14.5%14.5% comparedcomparedcomparedcompared totototo 11.7%11.7%11.7%11.7% forforforfor Q4Q4-Q4Q4--2012-201220122012

comparedcomparedcomparedcompared totototo 11.7%11.7%11.7%11.7% forforforfor Q4Q4-Q4Q4--2012-201220122012 29
KeyKeyKeyKey ratiosratiosratiosratios 30
KeyKeyKeyKey ratiosratiosratiosratios
KeyKeyKeyKey ratiosratiosratiosratios
KeyKeyKeyKey ratiosratiosratiosratios 30
KeyKeyKeyKey ratiosratiosratiosratios (consolidated)(consolidated)(consolidated)(consolidated)

KeyKeyKeyKey ratiosratiosratiosratios (consolidated)(consolidated)(consolidated)(consolidated)

(Percent(Percent(Percent(Percent))))

FY Q4- Q3- Q4- FY 2012 2012 2013 2013 2013 ReturnReturnReturnReturn onononon averageaverageaverageaverage
FY
Q4-
Q3-
Q4-
FY
2012
2012
2013
2013
2013
ReturnReturnReturnReturn onononon averageaverageaverageaverage
networthnetworthnetworthnetworth 1,21,21,21,2
13.013.013.013.0
11.711.711.711.7
15.715.715.715.7
14.514.514.514.5
14.714.714.714.7
WeightedWeightedWeightedWeighted avgavgavgavg EPSEPSEPSEPS ((((````)))) 2222
66.366.366.366.3
63.263.263.263.2
91.091.091.091.0
87.687.687.687.6
83.383.383.383.3
BookBookBookBook valuevaluevaluevalue ((((````))))
530530530530
530530530530
598598598598
607607607607
607607607607

1.1.1.1. BasedBasedBasedBased onononon quarterlyquarterlyquarterlyquarterly averageaverageaverageaverage networthnetworthnetworthnetworth

2.2.2.2. AnnualisedAnnualisedAnnualisedAnnualised forforforfor allallallall interiminteriminteriminterim periodsperiodsperiodsperiods

forforforfor allallallall interiminteriminteriminterim periodsperiodsperiodsperiods 31
KeyKeyKeyKey ratiosratiosratiosratios (standalone)(standalone)(standalone)(standalone) (Percent(Percent(Percent(Percent

KeyKeyKeyKey ratiosratiosratiosratios (standalone)(standalone)(standalone)(standalone)

(Percent(Percent(Percent(Percent))))

FY Q4- Q3- Q4- FY 2012 2012 2013 2013 2013 ReturnReturnReturnReturn onononon averageaverageaverageaverage
FY
Q4-
Q3-
Q4-
FY
2012
2012
2013
2013
2013
ReturnReturnReturnReturn onononon averageaverageaverageaverage
networthnetworthnetworthnetworth 1111
11.111.111.111.1
12.612.612.612.6
13.613.613.613.6
14.014.014.014.0
12.912.912.912.9
ReturnReturnReturnReturn onononon averageaverageaverageaverage assetsassetsassetsassets 1,21,21,21,2
1.441.441.441.44
1.631.631.631.63
1.761.761.761.76
1.801.801.801.80
1.661.661.661.66
WeightedWeightedWeightedWeighted avgavgavgavg EPSEPSEPSEPS ((((````)))) 1111
56.156.156.156.1
66.466.466.466.4
77.477.477.477.4
81.081.081.081.0
72.272.272.272.2
BookBookBookBook valuevaluevaluevalue ((((````))))
524524524524
524524524524
582582582582
578578578578
578578578578
NetNetNetNet interestinterestinterestinterest marginmarginmarginmargin 1111
2.732.732.732.73
3.013.013.013.01
3.073.073.073.07
3.333.333.333.33
3.113.113.113.11
FeeFeeFeeFee totototo incomeincomeincomeincome
36.936.936.936.9
32.532.532.532.5
31.031.031.031.0
29.629.629.629.6
31.131.131.131.1
CostCostCostCost totototo incomeincomeincomeincome
42.942.942.942.9
41.641.641.641.6
39.539.539.539.5
40.040.040.040.0
40.540.540.540.5
CASACASACASACASA ratioratioratioratio (period(period(period(period end)end)end)end)
43.543.543.543.5
43.543.543.543.5
40.940.940.940.9
41.941.941.941.9
41.941.941.941.9
AverageAverageAverageAverage CASACASACASACASA ratioratioratioratio
39.139.139.139.1
39.039.039.039.0
37.437.437.437.4
38.138.138.138.1
38.038.038.038.0

1.1.1.1. AnnualisedAnnualisedAnnualisedAnnualised forforforfor allallallall interiminteriminteriminterim periodsperiodsperiodsperiods

2.2.2.2. SinceSinceSinceSince DecemberDecemberDecemberDecember 31,31,31,31, 2012,2012,2012,2012, thethethethe BankBankBankBank hashashashas presentedpresentedpresentedpresented thethethethe markmark-markmark--to-toto-to--market-marketmarketmarket gaingaingaingain orororor losslosslossloss onononon forexforexforexforex andandandand derivativederivativederivativederivative transactionstransactionstransactionstransactions onononon grossgrossgrossgross basis.basis.basis.basis. FigureFigureFigureFiguressss forforforfor previopreviousprevioprevioususus periodsperiodsperiodsperiods havehavehavehave beenbeenbeenbeen reclassifiedreclassifiedreclassifiedreclassified accordinglyaccordinglyaccordinglyaccordingly andandandand returnreturnreturnreturn onononon averageaverageaverageaverage assetsassetsassetsassets andandandand ccostccostostost totototo averageaverageaverageaverage assetsassetsassetsassets havehavehavehave beenbeenbeenbeen rere-rere--computed-computedcomputedcomputed totototo reflectreflectreflectreflect thisthisthisthis change.change.change.change.

totototo reflectreflectreflectreflect thisthisthisthis change.change.change.change. 32
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