Performance Review: Performance Review: FY2006 FY2006 April 29, 2006 April 29, 2006
Agenda Agenda Highlights Highlights Operating review Operating review Financial performance Financial performance 2
Agenda Agenda Highlights Highlights Operating review Operating review Financial performance Financial performance 3
Highlights Highlights � 26.7% increase in profit after tax to Rs. 25.40 billion 26.7% increase in profit after tax to Rs. 25.40 billion in FY2006 from Rs. 20.05 billion in FY2005 in FY2006 from Rs. 20.05 billion in FY2005 � 47.5% increase in net interest income to Rs. 41.87 47.5% increase in net interest income to Rs. 41.87 Profitability Profitability bn in FY2006 from Rs. 28.39 billion in FY2005 bn in FY2006 from Rs. 28.39 billion in FY2005 � 55.3% increase in fee income to Rs. 32.59 billion in 55.3% increase in fee income to Rs. 32.59 billion in FY2006 from Rs. 20.98 billion in FY2005 FY2006 from Rs. 20.98 billion in FY2005 � 28.5% increase in profit after tax to Rs. 7.90 billion 28.5% increase in profit after tax to Rs. 7.90 billion in Q4-2006 from Rs. 6.15 billion in Q4-2005 in Q4-2006 from Rs. 6.15 billion in Q4-2005 4
Highlights Highlights � Robust loan growth across businesses Robust loan growth across businesses � Rural & agricultural portfolio increased from Rs. 74.95 Rural & agricultural portfolio increased from Rs. 74.95 bn to Rs. 162.79 bn to Rs. 162.79 1 bn bn � Loan portfolio of international branches increased Loan portfolio of international branches increased from Rs. 62.18 bn to Rs. 125.24 bn from Rs. 62.18 bn to Rs. 125.24 bn Balance sheet Balance sheet � Retail portfolio increased from Rs. 561.34 bn to Rs. Retail portfolio increased from Rs. 561.34 bn to Rs. 921.98 921.98 1 bn bn � Deposit growth of 65% from Rs. 998.19 bn to Rs. Deposit growth of 65% from Rs. 998.19 bn to Rs. 1,650.83 bn 1,650.83 bn � Reduction in net NPA ratio to 0.71% at March 31, Reduction in net NPA ratio to 0.71% at March 31, 2006 from 2.03% at March 31, 2005 2006 from 2.03% at March 31, 2005 � Net worth increased 77% to Rs. 222.06 bn at March Net worth increased 77% to Rs. 222.06 bn at March 31, 2006 31, 2006 finance in rural areas 1. Includes cons 1. Includes consumer umer finance in rural areas 5
Key profitability indicators Key profitability indicators FY2005 FY2005 FY2006 FY2006 Growth Growth PAT (Rs. bn) PAT (Rs. bn) 20.05 25.40 26.7% NII (Rs. bn) NII (Rs. bn) 28.39 41.87 47.5% Fee income (Rs. bn) Fee income (Rs. bn) 20.98 32.59 55.3% Treasury income Treasury income 7.11 9.28 30.5% (Rs. bn) (Rs. bn) NIM NIM 2.4% 2.4% - ROE ROE 1 17.9% 16.4% 2 - EPS 1 (Rs.) EPS (Rs.) 27.6 32.5 2 23.2% 1. 1. Weighted average Weighted average 2. 2. Additional capital of about Rs Additional capital of about Rs. 80.00 billion raise . 80.00 billion raised in FY in FY2006 2006 6
Agenda Agenda Highlights Highlights Operating review Operating review Financial performance Financial performance 7
Sustained growth in retail banking Sustained growth in retail banking (Rs. in billion) (Rs. in billion) March 31, March 31, March 31, March 31, Growth in Growth in 2005 2005 2006 2006 FY2006 FY2006 Retail assets outstanding Retail assets outstanding 561.34 561.34 921.98 921.98 64% 64% Branches (nos.) Branches (nos.) 562 562 614 614 52 52 ATMs (nos.) ATM (nos.) 1,910 1,910 2,200 2,200 290 290 Retail banking contributed about 58% of total fee income Retail banking contributed about 58% of total fee income 8
Leadership in retail credit Leadership in retail credit (Rs. in billion) (Rs. in billion) ICICI ICICI ICICI ICICI Industry Industry Bank’s Bank’s Bank’s Bank’s Product Product volumes volumes volumes volumes market market FY 2006 FY 2006 FY 2006 share FY 2006 share Mortgages 825.00 257.40 31% Mortgages Auto 430.00 173.25 40% Auto Commercial Commercial 290.00 91.73 32% vehicle etc vehicle etc Personal/ Personal/ 230.00 64.93 28% Consumer Consumer Two-wheeler 92.00 33.38 36% Two-wheeler Total 1,867.00 620.69 33% Total 1,867.00 620.69 33% Credit cards 2 17.50 5.00 29% Credit card titor data based on market estimates 1. Industry/competitor data based on market estimates 1. Industry/comp illion) 2. Cards in force (million) 2. Cards in force ( 9
International strategy International strategy � Complete set of Complete set of products for NRIs for all India products for NRIs for all India � Complete set of Complete set of products for NRIs for all India products for NRIs for all India India-linked retail India-linked retail related financial services needs related financial services needs related financial services needs related financial services needs opportunity opportunity � 20% market share in remittances into India 20% market share in remittances into India � 20% market share in remittances into India 20% market share in remittances into India � Preferred partner for Indian corporates for Preferred partner for Indian corporates for � Preferred partner for Indian corporates for Preferred partner for Indian corporates for Globalisation of Globalisation of ECBs ECBs ECBs ECBs Indian Indian � Acquisition Acquisition financing and advisory services financing and advisory services � Acquisition Acquisition financing and advisory services financing and advisory services corporates corporates � Assisting corporates with trade finance Assisting corporates with trade finance � Assisting corporates with trade finance Assisting corporates with trade finance � Launched Direct Banking in UK and Canada Launched Direct Banking in UK and Canada � Launched Direct Banking in UK and Canada Launched Direct Banking in UK and Canada Leveraging the Leveraging the � Leveraging domestic technology platform in Leveraging domestic technology platform in � Leveraging domestic technology platform in Leveraging domestic technology platform in India base India base international markets international markets international markets international markets � Processing and call center based out of India Processing and call center based out of India � Processing and call center based out of India Processing and call center based out of India Total assets USD 8.1 bn; international operations account for about Total assets USD 8.1 bn; internatio nal operations account for about 14% of consolidated banking assets 14% of consolidated banking assets 10
Rural banking: The next growth horizon Rural banking: The next growth horizon Rs. bn Rs. bn 180 180 117% 162. 162.79 79 11 160 160 140 140 120 120 78% 100 100 74. 74.95 80 80 60 60 42.06 42. 40 40 20 20 0 Mar 2004 2004 Mar 2005 2005 Mar 2006 2006 Asset o t outs tsta tanding Over 8,700 customer touch points Over 8,700 customer touch points finance in rural areas 1. Includes cons 1. Includes consumer umer finance in rural areas 11
Corporate banking strategy Corporate banking strategy � Transaction banking Transaction banking � Transaction banking Transaction banking Meeting full range Meeting full range � Credit origination and structuring Credit origination and structuring � Credit origination and structuring Credit origination and structuring � Advisory services Advisory services of client n of client needs eeds � Advisory services Advisory services � Treasury products Treasury products � Treasury products Treasury products � Robust increase in transaction banking Robust increase in transaction banking � Robust increase in transaction banking Robust increase in transaction banking Focus on fee Focus on fee volumes volumes volumes volumes based revenue based revenue � Growing presence in forex and Growing presence in forex and � Growing presence in forex and Growing presence in forex and streams streams derivatives market derivatives market derivatives market derivatives market Enhancing debt Enhancing debt � Leadership in securitisation and Leadership in securitisation and � Leadership in securitisation and Leadership in securitisation and markets presence markets presence syndication syndication syndication syndication 12
Key subsidiaries Key subsidiaries 13
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