Q1 Q1-20 2017: 17: Pe Performan formance ce review eview July ly 29, , 201 016
Cer ertai ain statem ements s in these se slides des are e forwar ard-look ooking g statem ements. s. These se statem ements s are e based ed on manageme agement's s current expecta pectation ons s and are e subject ect to uncer ertain ainty y and change ges s in circu cums mstan ance ces. s. Actual ual res esult ults s may y diff ffer er materi terial ally y from om those se included luded in these se stateme tements nts due to a variety of factors ors. . More e inform ormat ation on about these se factors ors is contai ained ned in ICICI Bank's 's filings ngs with h the US Securi urities es and Exchange ange Commissi mission on. All finan anci cial al and other er inform ormat ation on in these se slides, des, other er than finan anci cial al and other er inform ormation tion for specific ific subsi sidia iaries es wher ere e specific ifical ally y menti ntion oned, ed, is on an unconsol solidat ated basis s for ICICI Bank Limite mited only unles ess s specifi cifical cally y stated ed to be on a consolida olidated basis s for ICICI Bank Limi mited d and its subsidia diaries. s. Pleas ase also o refe efer to the e stateme ment of unconsol solidat ated, d, consoli olida dated d and segm gment ental al res esult ults s req equire uired by Indian n regula egulati tions ons that has, , along ng with th these se slides ides, , been en fil iled ed with th the e stock k exchanges in India where ICICI Bank’s equity shares are listed and with the New York k Stock Exchange ange and the US Securiti urities s and Exchange hange Commi mmiss ssion, n, and is availabl able on our website site www.i .ici cicib cibank. ank.co com 2
Ag Agen enda da Growth th Credit Cr dit qu quality ity P&L indicators cators Subsid idiaries iaries Capital tal 3
Ag Agen enda da Growth th Credit Cr dit qu quality ity P&L indicators cators Subsid idiaries iaries Capital tal 4
Loan an gr growth wth driven iven by ret etail ail 1 Overall ll loan gr growth th at 12.4% 4% Total loans at ` 4,494 94 bn at y-o-y; ; domestic tic loan gr growth h June 30, 2016 at 16.9% 9% y-o-y Share of retail ail loans in total loans incre reased ed from 42.8% 8% at June 30, 2015 5 to 46.4% 4% at J June e 30, 2016 1.Overseas 1. as portfol olio io decrease ased d by 7.1% y-o-y in US$ terms 5
Retail tail portfoli rtfolio: o: robu obust st gr growth wth across ross segm gments ents 1 Retail il loan gr growth h at 22.1% 1% Total retail il loans at ` 2,088 88 y-o-y bn at Jun 30, 2016 Jun 30, 2016: : Vehicle le loans ns include udes auto 1. 1. loans ns 11.0%, 0%, commercial cial busines ness 6.3%, %, two-whe heele ler r loans ns 0.1% 6
Corporate rporate portfoli rtfolio: o: selective lective increm cremental ntal lend ending ing Continu nued ed focus on lendin ing g to high gher er rated d corpora rates tes Increme ementa ntal l disbur ursem emen ents ts within in the revis ised ed concentra tration tion risk k manage gemen ent t framework ork 7
St Strong rong CAS ASA A deposits eposits gr growth wth 17.9% 9% y-o-y gr growth h in period iod-en end d CAS ASA A deposit its s and • ave verage ge CAS ASA A deposits its Accreti retion of ₹ 39.85 billio llion n to SA dep eposits sits in Q1 Q1-2017 017 • Average ge CAS ASA A ratio impro roved ed from 40.5% % in Q4-2016 2016 • at 41.7% 7% in Q1 Q1-2017 2017 15.3% 3% y-o-y gr growth h in total deposit sits; s; proportio ortion n of retail il deposits its at about 77% Balance ance sheet: slide 53 53 8
Ex Extensive ensive fr franchise nchise % shar are e At Mar At Mar At Mar At Jun Bran anch ches es at Jun 30, 31, 2014 31, 2014 31, 31, 2015 2015 31, 31, 2016 2016 30, 2016 30, 2016 2016 2016 Metro 935 935 1,011 1,159 1,159 26.0% Urban an 865 865 933 933 997 997 997 997 22.4% Semi mi urban an 1,114 1,217 1,341 1,342 30.2% Rural al 839 839 889 889 953 953 953 953 21.4% Total branches 3,753 4,050 4,450 4,451 100.0% Total ATMs 12,451 13,766 14,073 - 11,315 9
Leadersh rship ip in te techno nology logy 10
Growi owing ng payment yments fr franc nchise hise Nu Number of cards Card spends ds 11
Sp Spect ectrum rum of f uniqu ique e digit gital al off fferings erings iMobile ile • Over150 150 servic ices es includ udin ing g industry try first st featur ures es • High ghest est ove verall ll sco core e in 2016 India ia Mo Mobile le Banking Function ionality lity Benchmark ark study conducted ted by Forres rester ter Digi gital al wallet • India’s first ‘Digital Bank’: Am Amongs gst the top four wallet t apps in terms ms of time spent t on the app app 2 • Only bank app to figu gure re in the top wallet et apps • Ab About 4.4 million lion downloa oads s Social media • Banking g servic ices es available le on Facebook and Twitter er • Fan base of over 4.7 million lion on Facebook ok 1. Conduct ucted d by F Forre rester er 1. 2. As per Nielsen n Whitepape aper r on Wallets ts 2. 12
Adoptio Ad option of f digita gital l off fferings erings 1 Channe nel l mix of trans nsact actio ions ns for Q1-2017 2017 1. Financ ancial ial and non-fi financ nancial al transact actio ions ns of savings gs accoun ount customers rs 1. 2. Include udes touch h banking ng, , phone ne banking ng & debit cards ds POS transact actio ions ns 2. 13
Key ey initiat itiatives ives during ring Q1-2017 2017 Seve veral al next ge genera ration tion feature ures introd roduc uced ed on iMo Mobile ile includin uding g Instant nt tax payment; • Issuance e of persona nalis lised ed ‘Expressions’ debit cards; • Safegu guard arding ing ch cheques es with ‘Positive Pay’; and • Purchase se of insura ranc nce e and mutual l funds • India’s first contactless business credit card introduced for SMEs and their ir employe oyees 14
Ded edicat icated ed Tec echno nolog logy y and Digit gital al Group oup fo formed rmed • All l techno hnology logy function ctions s in the e Bank k acro ross ss retail, tail, whol olesa esale le and nd SME E businesses sinesses integ egrated rated • Key y function tions of this is Group oup includ clude e strengtheni rengthening ng digi gital tal channe nnels, ls, business siness intell telligence gence and nd use of analytics, alytics, and d devel eveloping ng stra rategic tegic par artner tnershi hips s to maintai intain n leadershi eadership in digita gital l banking anking • Crea eated ted an Innovation novation Lab b which h will l focus cus on prototyp rototyping, ing, incub ubating ting and nd piloting iloting stra rategic tegic digit igital al projects rojects Way forward rd Scal aling ing up innovation novations s and nd sustai taini ning ng digi gital tal leadershi eadership acros ross s segmen ments s with h focus cus on custo tomer mer exper xperien ience, e, cross oss- sell, ll, oper perati ating ng efficie icienc ncy y and d analy alytics tics 15
Ag Agen enda da Growth th Credit Cr dit qu quality ity P&L indicators cators Subsid idiaries iaries Capital tal 16
Moveme vement nt of f NPA A (1/2 /2) Q1 Q1- Q4- Q4 Q1- Q1 ` billion FY2015 15 FY2016 16 2016 2016 2016 2016 2017 2017 Openi ning ng gross ss NPA 105.54 54 152.42 42 213.56 56 152.42 42 267.21 21 Add: gross ss addition ons 80.78 16.72 70.03 171.13 13 82.49 - of which: ch: slippa pages ges from om rest structur uctured ed assets 45.29 2.92 27.24 53.00 13.21 - of which: ch: Slipp ppages ges from om exposure to ‘below investment grade’ companies in key y sector ctors s reported orted - - - - 45.59 Less: s: reco cove veries es & upgrade des 16.36 5.44 7.81 21.84 7.92 Net addition ons 64.42 11.28 62.22 149.29 29 74.57 Less: s: write-off offs s & sale 1 17.54 10.84 8.57 34.50 66.15 Closi sing ng gross ss NPAs 152.42 42 152.86 86 267.21 21 267.21 21 275.63 63 Gross oss NPA ratio 2 3.29% 3.26% 5.21% 5.21% 5.28% During ng Q1-2017, , the Bank sold net N NPAs amount ntin ing to ` 22.32 billion on to ARCs. The 1. 1. gross shortfa fall l amounti ting ng to ` 5.26 billio ion n on such sales is amortis ised over four quart rters rs. Accor ordi dingly gly, during ng the three months ended June 30, 2016, 6, the Bank has recognise gnised a loss of ` 1.32 billio ion Based on customer r assets 2. 2. 17
Moveme vement nt of f NPA A (2/2 /2) About 77% of the gr Ab gross s additio ions ns to NPAs As for the wholesa sale le & a and SME business esses es in Q1-201 2017 7 were on account of slipp ppages ges from companies ies intern ernally ally rated below inve vestm tment ent gr grade in key s y sect ctors rs and slippages pages from the restru truct ctur ured ed portfol folio io 18
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