Icici Bank Limited · NSE:ICICIBANK
Icici Bank — Q3 2023 Earnings Presentation
76 slides from Icici Bank's earnings presentation, Jan 21, 2023
Slide 1: Cover letter to stock exchanges
January 21, 2023 BSE Limited National Stock Exchange of India Limited Listing Department Listing Department Phiroze Jeejeebhoy Towers Exchange Plaza, 5th floor Dalal Street Plot No. C/1, G Block Mumbai 400 001 Bandra-Kurla Complex Bandra(East Mumbai 400 051 Dear Sir/Madam, Sub: Investor Presentation
Slide 2: Q3-2023: Performance review
Q3-2023: Performance review January 21, 2023
Slide 3: Forward-looking statements disclaimer
Certain statements in this release relating to a future period of time (including inter alia concerning our future business plans or growth prospects) are forward-looking statements intended to qualify for the 'safe harbor' under applicable securities laws including the US Private Securities Litigat
Slide 4: Highlights for Q3-2023
Highlights for Q3-2023 3
Slide 5: Key highlights for Q3-2023 (1/2)
Key highlights for Q3-2023 (1/2) Core • Growth of 31.6% y-o-y to ₹ 132.35 billion operating • Excluding dividend income from subsidiaries and associates, core operating profit1 profit grew by 34.5% y-o-y • Average current account deposits increased by 7.9% y-o-y Deposits • Average savings account de
Slide 6: Key highlights for Q3-2023 (2/2)
Key highlights for Q3-2023 (2/2) • Net NPA ratio declined to 0.55% at Dec 31, 2022 from 0.61% at Sep 30, 2022 and 0.85% at Dec 31, 2021 • Net additions of ₹ 11.19 bn to gross NPAs in Q3-2023 (Q2-2023: ₹ 6.05 bn) Asset • Total provisions of ₹ 22.57 bn in Q3-2023 (0.93% of average loans, 17.1% of qual
Slide 7: Operating performance
Operating performance 6
Slide 8: Profit & loss statement
Profit & loss statement (₹ billion) FY2022 Q3- 9M- Q2- Q3- 9M- Q3-o-Q3 2022 2022 2023 2023 2023 (%) Net interest income1 474.66 122.36 348.62 147.87 164.65 444.62 34.6% Non-interest income 176.14 48.99 130.05 51.39 49.87 147.55 1.8% - Fee income 156.87 42.91 113.21 44.80 44.48 131.71 3.7% - Dividend
Slide 9: Profit & loss statement
Profit & loss statement ₹ billion) FY2022 Q3-2022 9M-2022 Q2-2023 Q3-2023 9M-2023 Q3-o-Q3 (%) Core operating profit 383.47 100.60 281.83 117.65 132.35 352.72 31.6% Treasury income 9.03 0.88 7.74 (0.85) 0.36 (0.12) (59.1)% Operating profit 392.50 101.48 289.57 116.80 132.71 352.60 30.8% Net provision
Slide 10: Key ratios
Key ratios FY Q3- 9M- Q2- Q3- 9M- Percent 2022 2022 2022 2023 2023 2023 Net interest margin1,2 3.96 3.96 3.95 4.31 4.65 4.33 Cost of deposits2 3.53 3.47 3.55 3.55 3.65 3.56 Cost-to-income 40.5 41.1 40.5 41.1 38.2 40.4 Core operating profit/average assets2 3.03 3.09 3.01 3.20 3.50 3.23 Provisions/cor
Slide 11: Unconsolidated segment-wise PBT
Unconsolidated segment-wise PBT Profit before tax FY2022 Q3-2022 9M-2022 Q2-2023 Q3-2023 9M-2023 (₹ billion) Retail 114.00 37.62 67.57 45.33 42.88 126.31 Wholesale 90.53 19.90 57.75 37.18 38.77 112.82 Treasury 98.20 22.40 74.98 31.70 42.58 100.36 Others 3.11 1.49 3.05 1.15 0.92 3.16 Unallocated1 0.2
Slide 12: Balance sheet growth
Balance sheet growth 11
Slide 13: Deposits
Deposits (₹ billion) Dec 31, Sep 30, Dec 31, Y-o-Y % share at 2021 2022 2022 growth Dec 31, 2022 CASA 4,806.56 5,078.40 5,088.42 5.9% 45.3% - Current 1,460.43 1,453.56 1,456.26 (0.3)% 13.0% - Savings 3,346.13 3,624.84 3,632.16 8.5% 32.4% Term 5,368.11 5,821.68 6,132.08 14.2% 54.7% Total deposits 10,
Slide 14: Loan portfolio
Loan portfolio (₹ billion) Dec 31, Sep 30, Dec 31, Y-o-Y % share at 2021 2022 2022 growth Dec 31, 20224 Retail 4,287.35 5,065.15 5,292.36 23.4% 53.7% Rural loans 736.85 799.04 829.06 12.5% 8.4% Business banking 484.84 635.72 668.83 37.9% 6.8% SME1 363.53 419.25 454.24 25.0% 4.6% Domestic corporate a
Slide 15: Retail portfolio
Retail portfolio (₹ billion) Dec 31, Sep 30, Dec 31, Y-o-Y % share at 2021 2022 2022 growth Dec 31, 2022 Mortgages 2,782.67 3,186.13 3,313.79 19.1% 62.6% Vehicle loans 658.64 726.18 756.93 14.9% 14.3% - Auto finance 387.37 446.14 472.63 22.0% 8.9% - Commercial vehicle and 256.71 262.32 265.32 3.4% 5
Slide 16: Portfolio of overseas branches
Portfolio of overseas branches Total outstanding1 at Dec 31, 2022: USD 2.72 billion The overseas non-India linked corporate portfolio reduced by 42.8% year-on-year or about USD 285 million and 7.7% sequentially or about USD 32 million at Dec 31, 2022 1. Corporate fund and non-fund outstanding of ove
Slide 17: Growing digital platforms
Growing digital platforms 16
Slide 18: iMobile Pay – Universal Super App
iMobile Pay – Universal Super App Savings Account . Pay to Contact Demat . Scan to Pay PAYMENT SERVICES BANKING SERVICES Personal Loan . Bill Payment ~8.6 Mn Credit Card . Activations from Recharges non-ICICI Bank account holders1 Home Loan . FASTag Auto Loan . Bookings Two Wheeler Loan . Attractive
Slide 19: iMobile Pay – E-Gift Card
iMobile Pay – E-Gift Card ETB - Went live in NTB - Went live in E-gift card Instant Live on Android Oct’22 Dec’22 delivery Amazon Grocery E –Gift Card categories Tanishq Fashion E –Gift Cards brands Flipkart Travel Swiggy Consumer Electronic Myntra Food & Beverages , Book My Show Jewellery Many More
Slide 20: InstaBIZ: Universal app for small business
InstaBIZ: Universal app for small business Key features Key metrics Customer 360 Michael Mishra 9966332888 m.mishra@abc Forex Transaction 81.5% y-o-y InstaOD limit set-up5 Merchant Tax & Compliance solutions Interoperable ~ 117,000 PA1 InstaOD Servicing New-to-Bank merchants acquired3,8 Transactions
Slide 21: Digital solutions for merchant ecosystem
Digital solutions for merchant ecosystem • Super merchant account: Zero balance, swipe based benefits • Enabling Eazypay POS/QR onboarding with the linkage of any Bank’s account • Digital POS solutions through Eazypay (POS, UPI, Cards, etc.) • PG: Eazypay Pro , POS: Eazypay Platinum 2.0 • Merchant m
Slide 22: API Connect - Embedded banking for MSMEs
API Connect - Embedded banking for MSMEs API One-to-one client ERP integration with ICICI Bank One To One integrations High transaction volume, full fledged ERP users Client ERP 74% Y-o-Y growth in Application installed Application hosted Bank Plugin on desktop on cloud throughput value2 Plug-n-Play
Slide 23: BizPay360 – Bulk Payment Solution
BizPay360 – Bulk Payment Solution Digital onboarding with instant activation 19% Choose your debit type – consolidated / individual Registrations1 Customized debit credit narration for ease in reconciliation Option to register multiple beneficiaries 110% through file upload with single OTP Throughpu
Slide 24: Trade solutions
Trade solutions New Digital solutions for exporters Streamlining Letters of Credit – Trade API Challenges Challenges Fragmented process Timely access to Manual data entry Dependency on branch across multiple parties working capital Manual document Tedious repository handling maintenance Solutions In
Slide 25: Real Estate STACK
Real Estate STACK Stakeholders Key challenges Digital STACK Multiple logins for Handling large Digital execution of escrow Pre & post launch solutions multiple accounts volume agreement Integrated view of Wide spread operations Fragmented journey Project/unit level reconciliation multiple accounts P
Slide 26: Supply chain solutions
Supply chain solutions Supply Chain Finance Structured Trade Finance Receivables & payables solutions Factoring | Reverse factoring Multiple modes of Payable financing | Purchase bill financing Credit sanction integration within 29 minutes including URC & Key features GST Anchor corporate led Short
Slide 27: Digital sourcing for retail products in 9M-2023
Digital sourcing for retail products in 9M-2023 Personal loan Credit cards (by volume) SIPs initiated (by volume) disbursements (by volume) Mortgages Fixed deposits (Number of sanctions) (by volume) 26
Slide 28: Digital payments: credit and debit cards
Digital payments: credit and debit cards Debit card spends Credit card spends 1 Credit card Issued 3.8 mn+ partnerships Amazon Pay cards 1. Excluding proprietory cards 27
Slide 29: Digital payments
Digital payments UPI: P2M1 transactions Electronic toll collections Volume: 48.2% y-o-y Value: 78.0% y-o-y 22.2% y-o-y Market share by value was 18.2% in Dec Market share by value was 31% in 2022 Q3-2023 New Enabled FASTag based parking payment at Terminal 2 of Mumbai airport 1. Payments to merchant
Slide 30: Asset quality trends
Asset quality trends 29
Slide 31: NPA trends
NPA trends (₹ billion) Dec 31, Sep 30, Dec 31, 2021 2022 2022 Gross NPAs1 370.53 325.71 325.28 Less: cumulative provisions 297.09 264.72 268.77 Net NPAs1 73.44 60.99 56.51 Gross NPA ratio1 4.13% 3.19% 3.07% Net NPA ratio1 0.85% 0.61% 0.55% Provision coverage ratio 79.9% 80.6% 82.0% Non-fund o/s to N
Slide 32: NPA movement
NPA movement1 ₹ in billion FY2022 Q3-2022 Q2-2023 Q3-2023 Opening gross NPA 413.73 414.37 331.63 325.71 Add: gross additions (1) 192.91 40.18 43.66 57.23 - Retail, rural and business banking 173.57 38.53 36.58 41.592 - Corporate and SME 19.34 1.65 7.08 15.64 Less: recoveries, upgrades and others (2)
Slide 33: Resolution under RBI frameworks
Resolution under RBI frameworks (₹ billion) 31-Dec-21 30-Sep-22 31-Dec-22 Retail, rural and business banking1 64.74 47.39 41.90 Corporate and SME1 32.10 19.74 7.97 Total fund based o/s1 96.84 67.13 49.87 Total fund based o/s as % of total advances 1.2% 0.7% 0.5% Provisions held on loans under resolu
Slide 34: Standard asset and other provisions
Standard asset and other provisions (₹ billion) Dec 31, Mar 31, Jun 30, Sep 30, Dec 31, 2021 2022 2022 2022 2022 Contingency provisions1 64.25 74.50 85.00 100.00 115.00 Provision on non-fund based o/s to 19.57 20.51 20.75 20.24 19.93 NPAs Provisions on fund based o/s to 24.36 25.30 22.90 20.59 15.29
Slide 35: Loan portfolio information
Loan portfolio information 34
Slide 36: Diversified and granular loan book
Diversified and granular loan book Breakup of loan portfolio1 at Dec 31, 2022 53.7% of total loans are retail3 2 1. Proportions are gross of BRDS/IBPC 2. Includes dealer funding, loan against shares and others 3. Including non-fund based outstanding, the share of retail portfolio was 44.9% of the to
Slide 37: Rating-wise loan book, excluding retail and rural portfolio
Rating-wise loan book, excluding retail and rural portfolio Mar 31, Mar 31, Mar 31, Mar 31, Sep 30, Dec 31, Rating category1 2019 2020 2021 2022 2022 2022 AA- and above 25.3% 27.3% 35.3% 36.1% 46.3% 45.3% A+, A, A- 32.5% 36.9% 33.7% 35.7% 26.8% 27.8% A- and above 57.7% 64.2% 69.1% 71.8% 73.1% 73.1%
Slide 38: Corporate and SME: BB and below
Corporate and SME: BB and below (₹ billion) Dec 31, Sep 30, Dec 31, 2021 2022 2022 BB and below outstanding1 118.42 76.38 55.81 - Fund and non-fund o/s to borrowers with loans under resolution 36.92 21.98 8.79 - Other borrowers with o/s greater than ₹ 1.00 bn2 52.34 32.55 26.06 - Other borrowers wit
Slide 39: Movement in Corporate & SME BB and below: Q3-2023
Movement in Corporate & SME BB and below: Q3-2023 (₹ billion) 1,2 1,2 1. Fund-based and non-fund based outstanding 2. Excludes banks, investments and fund and non-fund based outstanding to NPAs 38
Slide 40: Mortgage portfolio
Mortgage portfolio Mortgage portfolio includes home loans ~71%, top-up loans given to existing home loan customers 6%, office premises loans ~6% and loan against property ~17% Home loans are geographically well diversified, built on fundamental premises of cashflow assessment of underlying borrower
Slide 41: Auto and two wheeler finance
Auto and two wheeler finance Auto loan portfolio comprises 87% new vehicles and 13% used vehicles Instant car loan disbursement, a industry first proposition, for pre-approved customers; delivery order is generated digitally in a seamless manner. The product won the ‘Best Automobile/Car Loan Product
Slide 42: Rural and personal loan and credit card portfolio
Rural and personal loan and credit card portfolio Rural loans Personal loans and credit cards Gold loans comprise 2.2% and kisan credit cards Personal loan disbursements comprise 2.4% of the total loan book increased sequentially in Q3-2023 Growth in retail credit card spends Leverage opportunities
Slide 43: SME and business banking portfolio
SME and business banking portfolio Growth driven by leveraging branch network and digital platforms such as InstaBIZ, Merchant STACK and Trade Online and efforts towards process decongestion such as e- signing of disbursement documents through EazySign Focus on parameterised and programme based lend
Slide 44: Exposure to power sector
Exposure to power sector (₹ billion) Dec 31, Sep 30, Dec 31, Share at Dec 2021 2022 2022 31, 2022 (%) Borrowers classified as NPA or part of BB and below portfolio1 75.79 64.02 50.98 11.6% Other borrowers 301.42 361.29 387.58 88.4% Total 377.21 425.31 438.56 100.0% • Of the other borrowers aggregati
Slide 45: NBFCs, HFCs and builder portfolio
NBFCs, HFCs and builder portfolio Dec 31, Sep 30, Dec 31, Outstanding (₹ billion) 2021 2022 2022 NBFCs1 557.84 636.15 660.45 HFCs1 118.02 99.58 104.95 Builder portfolio (construction finance, lease rental discounting, term loans and working capital) 257.53 319.63 360.11 • Proportion of the NBFC and
Slide 46: Concentration risk ratios
Concentration risk ratios Mar 31, Mar 31, Mar 31, Jun 30, Sep 30, Dec 31, Advances 2020 2021 2022 2022 2022 2022 Exposure to top 20 borrowers1 as a % of total 11.0% 12.1% 9.6% 9.2% 8.7% 8.8% exposure Exposure to top 10 groups 12.1% 11.6% 10.3% 10.1% 10.1% 10.0% as a % of total exposure • All top 20
Slide 47: Capital
Capital 46
Slide 48: Strong capital position
Strong capital position Sep 30, 20221 Dec 31, 20222 (₹ billion) % (₹ billion) % Total capital 1,691.35 16.93 1,693.57 16.26 - Tier I 1,615.43 16.17 1,615.27 15.51 - of which: CET1 1,559.28 15.61 1,564.05 15.02 - Tier II 75.92 0.76 78.30 0.75 Risk weighted assets 9,987.59 10,413.78 - On balance sheet
Slide 49: Group companies
Group companies 48
Slide 50: Profit after tax of key subsidiaries and associates
Profit after tax of key subsidiaries and associates Profit after tax (₹ billion) Q3- Q2- Q3- FY2022 2022 2023 2023 ICICI Prudential Life Insurance 7.54 3.11 1.99 2.21 ICICI Lombard General Insurance 12.71 3.18 5.91 3.53 ICICI Prudential Asset Management1 14.54 3.34 4.06 4.20 ICICI Securities (Consol
Slide 51: Insurance entities
Insurance entities ICICI Prudential Life Insurance • Value of new business (VNB) increased by 23.2% y-o-y to ₹ 17.10 billion in 9M-2023 • VNB margin increased to 32.0% in 9M-2023 from 31.0% in H1-2023 • Annualised premium equivalent (APE) grew by 4.2% y-o-y to ₹ 53.41 billion in 9M-2023 • New busine
Slide 52: ICICI Securities and ICICI AMC
ICICI Securities and ICICI AMC ICICI Securities1 • Retail derivative market share improved from 3.7% in Q2-2023 to 3.8% in Q3-2023 • Market share in commodity trading segment increased from 5.5% in Q2-2023 to 5.6% in Q3-2023 • Retail equity market share at 10.5% in Q3-2023 • NSE active clients2 mark
Slide 53: Environmental, Social and Governance (ESG) initiatives
Environmental, Social and Governance (ESG) initiatives 52
Slide 54: ESG at ICICI Bank
ESG at ICICI Bank Environment Social Governance Conduct business responsibly Continuously strive to create Being responsible and and promote sustainable value for all stakeholders transparent in business environmental practices • IGBC certification of Bank’s • Significant scale-up in diverse • Stren
Slide 55: Thank you
ICICI Bank Thank you
Slide 56: Additional financial information
Additional financial information 55
Slide 57: Yield, cost and margin
Yield, cost and margin Movement in yield, costs & FY2022 Q3-2022 9M-2022 Q2-2023 Q3-2023 9M-2023 margins (Percent)1 Yield on total interest-earning 7.21 7.15 7.22 7.59 8.07 7.62 assets2 - Yield on advances 8.27 8.19 8.26 8.63 9.13 8.65 Cost of funds 3.71 3.66 3.73 3.78 3.95 3.80 - Cost of deposits 3
Slide 58: Consolidated profit & loss statement
Consolidated profit & loss statement (₹ billion) Q3-o-Q3 FY2022 Q3-2022 9M-2022 Q2-2023 Q3-2023 9M-2023 growth Net interest income 542.40 139.41 398.74 168.53 186.41 505.64 33.7% Non-interest income 621.29 155.52 442.95 163.27 162.41 456.29 4.4% - Fee income 203.35 54.82 148.05 56.99 57.09 168.03 4.
Slide 59: Consolidated profit & loss statement
Consolidated profit & loss statement (₹ billion) Q3- 9M- Q2- Q3- 9M- Q3-o-Q3 FY2022 2022 2022 2023 2023 2023 growth Operating profit 432.17 111.51 316.89 124.97 143.70 379.91 28.9% Contingency provisions (0.25) - (10.50) 15.00 15.00 40.50 - Other provisions 90.02 21.28 89.23 1.53 9.34 11.68 (56.1)%
Slide 60: Key ratios (consolidated)
Key ratios (consolidated) Percent FY2022 Q3-2022 9M-2022 Q2-2023 Q3-2023 9M-2023 Return on equity1 14.8 15.1 13.9 16.5 17.5 16.6 Weighted average EPS1 (₹) 36.21 37.4 33.3 45.64 50.03 46.11 Book value (₹) 262 252 252 280 293 293 slide 9 1. Annualised for all interim periods 59
Slide 61: Balance sheet: liabilities
Balance sheet: liabilities (₹ billion) Dec 31, 2021 Sep 30, 2022 Dec 31, 2022 Net worth 1,630.69 1,825.07 1,912.69 - Equity capital 13.89 13.94 13.96 - Reserves 1,616.80 1,811.13 1,898.73 Deposits 10,174.67 10,900.08 11,220.49 - Current 1,460.43 1,453.56 1,456.26 - Savings 3,346.13 3,624.84 3,632.16
Slide 62: Composition of borrowings
Composition of borrowings (₹ billion) Dec 31, 2021 Sep 30, 2022 Dec 31, 2022 Domestic 833.19 946.36 999.65 - Capital instruments 172.50 128.15 82.60 - Other borrowings 660.69 818.21 917.05 - Long term infrastructure bonds 307.89 408.24 459.04 Overseas borrowings1 262.66 352.98 305.85 Total borrowing
Slide 63: Consolidated balance sheet
Consolidated balance sheet (₹ billion) Dec 31, 2021 Sep 30, 2022 Dec 31, 2022 Cash & bank balances 1,956.15 1,385.46 1,398.80 Investments 5,318.23 5,941.92 6,125.58 Advances 8,745.94 10,002.91 10,380.91 Fixed & other assets 808.72 1,001.25 966.80 Total assets 16,829.04 18,331.54 18,872.09 Net worth
Slide 64: Branch and ATM network
Branch and ATM network Branches % share at Mar 31, Mar 31, Mar 31, Jun 30, Sep 30, Dec 31, Dec 31, 2020 2021 2022 2022 2022 2022 2022 Metro 1,585 1,542 1,567 1,594 1,610 1,645 28.8% Urban 1,067 1,063 1,074 1,091 1,101 1,125 19.7% Semi urban 1,546 1,537 1,599 1,632 1,652 1,676 29.3% Rural 1,126 1,124
Slide 65: Balance sheet: assets
Balance sheet: assets (₹ billion) Dec 31, Sep 30, Dec 31, 2021 2022 2022 Cash & bank balances 1,809.09 1,249.13 1,224.71 Investments 2,848.23 3,330.31 3,370.51 - SLR investments 2,335.23 2,871.75 2,867.42 - Equity investment in subsidiaries1 75.91 69.78 69.78 Advances 8,139.92 9,385.63 9,740.47 Fixe
Slide 66: Equity investment in subsidiaries
Equity investment in subsidiaries (₹ billion) Dec 31, Sep 30, Dec 31, 2021 2022 2022 ICICI Prudential Life Insurance 32.75 32.75 32.75 ICICI Bank Canada 18.74 9.96 9.96 ICICI Bank UK 9.70 9.70 9.70 ICICI Home Finance 11.12 13.62 13.62 ICICI Securities Limited 1.22 1.22 1.22 ICICI Securities Primary
Slide 67: Portfolio composition
Portfolio composition Dec 31, 2021 Sep 30, 2022 Dec 31, 2022 Domestic 90.8% 92.3% 92.8% International 9.2% 7.7% 7.2% Total consolidated advances 8,746 10,003 10,381 (₹ billion) slide 13 66
Slide 68: Retail, rural and business banking NPAs
Retail, rural and business banking NPAs Dec 31, Sep 30, Dec 31, ₹ in billion 2021 2022 2022 Gross retail, rural and business banking NPAs 135.94 123.43 122.45 - as a % of gross advances 2.43% 1.88% 1.78% Net retail, rural and business banking NPAs 55.21 47.81 43.51 - as a % of net advances 1.00% 0.7
Slide 69: Sector-wise exposures
Sector-wise exposures Top 10 sectors1: % of total Mar 31, Mar 31, Mar 31, Jun 30, Sep 30, Dec 31, exposure of the Bank 2020 2021 2022 2022 2022 2022 Retail finance2 32.2% 33.9% 36.3% 38.0% 37.5% 37.8% Services – finance 8.4% 9.9% 8.9% 8.8% 8.4% 8.9% Banks 6.4% 7.9% 7.9% 6.2% 7.6% 6.6% Rural 4.9% 6.3
Slide 70: Consolidated capital adequacy
Consolidated capital adequacy Basel III (%) Sep 30, Dec 31, 20221 20222 Total capital 16.67% 16.02% - Tier I 15.91% 15.25% - of which: CET 1 15.39% 14.80% - Tier II 0.77% 0.76% • Including profits for 9M-2023, CET 1 ratio was 16.77%, Tier I ratio was 17.23% and total capital adequacy ratio was 17.99
Slide 71: Insurance entities
Insurance entities ICICI Life (₹ billion) FY2022 Q3-2022 Q2-2023 Q3-2023 Annualised premium equivalent 77.33 19.29 19.99 18.21 - Of which: protection 13.13 3.06 3.80 3.40 Assets under management 2,404.92 2,375.60 2,442.79 2,518.84 Expense ratio1 18.6% 17.5% 19.9% 19.5% ICICI General (₹ billion) FY20
Slide 72: ICICI Bank UK
ICICI Bank UK (USD million) FY2022 Q3-2022 Q2-2023 Q3-2023 Net interest income 40.5 9.8 12.0 13.8 Operating profit 14.4 2.1 0.2 7.9 Loans and advances 1,244.30 1,377.4 973.1 1,021.9 Deposits 1,542.00 1,598.4 1,174.8 1,529.8 - Retail term deposits 240.0 314.9 160.5 494.9 Capital adequacy ratio 23.0%
Slide 73: ICICI Bank UK
ICICI Bank UK1 Asset profile Liability profile 2 Total assets: USD 2.15 bn Total liabilities: USD 2.15 bn 1. At Dec 31, 2022 2. Includes cash & advances to banks and T Bills 3. Includes securities re-classified to loans & advances 72
Slide 74: ICICI Bank Canada
ICICI Bank Canada (CAD million) FY2022 Q3-2022 Q2-2023 Q3-2023 Net interest income 44.0 11.6 19.9 25.0 Operating profit 34.1 8.9 15.7 19.3 Loans and advances 4,984.1 4,997.9 5,147.2 5,153.0 - Residential mortgages 3,692.5 3,658.8 3,739.7 3,752.9 Deposits 2,851.7 2,793.0 3,121.8 3,238.7 Capital adequ
Slide 75: ICICI Bank Canada
ICICI Bank Canada1 Asset profile Liability profile 2 4 3 Total assets: CAD 6.06 bn Total liabilities: CAD 6.06 bn 1. At Dec 31, 2022 2. Includes cash & placements with banks and government securities 3. Insured mortgages include CAD 2,359.9 million of securitised mortgages at Dec 31, 2022 (Sep 30, 2
Slide 76: ICICI Home Finance
ICICI Home Finance1 (₹ billion) Sep 30, 2022 Dec 31, 2022 Loans and advances 158.67 164.68 Gross impaired loans (stage 3)2 8.31 7.61 Net impaired loans (stage 3) 5.47 4.51 Capital adequacy ratio 24.22% 24.14% • At December 31, 2022, loans to borrowers where resolution was implemented as per the fram