Icici Bank Limited · NSE:ICICIBANK
Icici Bank — Q3 2009 Earnings Presentation
20 slides from Icici Bank's earnings presentation, Jan 26, 2009
Slide 1: Forward-looking statements disclaimer
Certain statements in these slides are forward-looking statements. These statements are based on management's current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due toa variety of factors. Mor
Slide 2: ICICI Bank: Highlights
ICICI Bank: Highlights o 25% quarter-on-quarter increase in profit after tax toRs. 12.72 billion in Q3-2009 from Rs. 10.14 billion in o Profit after tax of Rs. 12.30 billion in Q3-2008 o 23% year-on-year increase in operating profit to Rs. 27.71 billion in Q3-2009 from Rs. 22.59 billion in Q3-2008 o
Slide 3: Balance sheet highlights
Balance sheet highlights o Strategy of conscious moderation in credit growth Contraction in standalone loan book during the year to Rs. 2,125.21 billion at December 31, 2008 o Continued enhancement of branch network to strengthen liability franchise and created an integrateddistribution network for
Slide 4: Profit & loss statement (Rs. in billion)
Profit & loss statement (Rs. in billion)
Slide 5: Profit & loss statement (Rs. in billion)
Profit & loss statement (Rs. in billion)
Slide 6: Balance sheet: Assets (Rs. in billion)
Balance sheet: Assets (Rs. in billion) 1. Including impact of exchange rate movement
Slide 7: Composition of loan book: Dec 31, 2008
Composition of loan book: Dec 31, 2008 Rural 4% Total loan book: Rs. 2,125 bn Total retail loan book: Rs. 1,145 bn 1. Small ticket personal loans 2. Vehicle loans includes auto loans 13%, commercial business 13% and two wheelers 2% 3. Retail business includes builder loans and dealer funding
Slide 8: Balance sheet: Liabilities (Rs. in billion)
Balance sheet: Liabilities (Rs. in billion) 1. Including impact of exchange rate movement
Slide 9: Capital adequacy (Basel II)
Capital adequacy (Basel II) As per Reserve Bank of India's revised Basel II guidelines
Slide 10: Key ratios (Percent)
Key ratios (Percent) 1. Based on quarterly average net worth
Slide 11: Asset quality and provisioning (Rs. in billion)
Asset quality and provisioning (Rs. in billion) o Consolidated net non-performing advances ratio of about 1.73% o Gross retail NPLs at Rs. 65.68 bn and net retail NPLs at Rs. 29.10 bn at December 31, 2008 o 55% of net retail NPLs are from unsecured products
Slide 12: Asset quality and provisioning
12 Asset quality and provisioning Rs. in billion Mar 31, Sep 30, Dec 31, 2008 2008 2008 Gross NPAs 83.50 102.71 96.40 Less: Cumulative provisions 47.86 59.72 B73 Net NPAs 35.64 42.99 44.65 Net NPA ratio 1.49% 1.83% 1.95% e Consolidated net non-performing advances ratio of about 1.73% e Gross retail
Slide 13: Insurance
Insurance 1. For the period April -December 2008 on new business weighted received premium basis 2. For the period April - November 2008 3. Excluding TP motor pool remittances
Slide 14: ICICI Bank UK
ICICI Bank UK o Total assets of USD 7.6 billion at December 31, 2008 o Total deposits of USD 4.1 billion at December 31, o Proportion of term deposits at 54% o Increase of about USD 530 million in retail term deposits during Q3-2009 Net profit of USD 1.4 million in 9M-2009 o Net MTM impact of USD 71
Slide 15: ICICI Bank UK asset profile
ICICI Bank UK asset profile Asset Backed Other assets & Cash & liquid (1) Securities 6% investments, 5% Securities 16% India Linked investments 6% Total assets: USD 7.6 billion o 100% of non-India investment portfolio (excl. Lehman Brothers bonds) rated investment grade; 90% rated A-or higher 1. Inc
Slide 16: ICICI Bank Canada
ICICI Bank Canada o Total assets of CAD 6.5 billion at December 31, 2008 o Total deposits of CAD 5.4 billion at December 31, o Proportion of term deposits at 89% o Increase of about CAD 550 million in retail term deposits during Q3-2009 o Net profit of CAD 32.9 million in 9M-2009 o Capital adequacy
Slide 17: ICICI Bank Canada asset profile
ICICI Bank Canada asset profile Other assets & Asset backed investments 3% securities 2% Cash & liquid(1) Securities 20% Loans to customers 55% India linked investments 3% Total assets: CAD 6.5 billion Federally insured mortgage 17% 1. Includes cash & advances to banks, government securities and ban
Slide 18: Other subsidiaries (Rs. billion)
Other subsidiaries (Rs. billion) Consolidated profit after tax of Rs. 28.28 billion in 9M-2009
Slide 19: Other subsidiaries (Rs. billion)
19 Other subsidiaries - (Rs. billion) Profit after tax 9M-2008 9M-2009 ICICI Securities Ltd. ICICI Securities PD ICICI Venture ICICI Prudential Asset Management Company ICICI Housing Finance Company Consolidated profit after tax of Rs. 28.28 billion in 9M- 2009 a ICICI Bank ee
Slide 20: Signature
SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorised. ICICI Bank Limited Date: January 24, 2009 By: /s/ Mehernosh Kapadia Name : Mehernosh Kapadia Title : Gen