ICICI Bank Limited

23.4%

024 3 Key highlights for Q3-2024 (1/2) Earnings • Profit before tax excluding treasury, grew by 23.4% y-o-y to ₹ 135.51 bn in Q3-2024 • Core operating profit grew by 10.3% y-o-y to ₹ 146.01 bn in Q3

₹ 135.51

hlights for Q3-2024 (1/2) Earnings • Profit before tax excluding treasury, grew by 23.4% y-o-y to ₹ 135.51 bn in Q3-2024 • Core operating profit grew by 10.3% y-o-y to ₹ 146.01 bn in Q3-2024 • Provisions

10.3%

xcluding treasury, grew by 23.4% y-o-y to ₹ 135.51 bn in Q3-2024 • Core operating profit grew by 10.3% y-o-y to ₹ 146.01 bn in Q3-2024 • Provisions of ₹ 10.50 bn in Q3-2024 (0.36% of average advances)

₹ 146.01

ry, grew by 23.4% y-o-y to ₹ 135.51 bn in Q3-2024 • Core operating profit grew by 10.3% y-o-y to ₹ 146.01 bn in Q3-2024 • Provisions of ₹ 10.50 bn in Q3-2024 (0.36% of average advances) • Period-end total

₹ 10.50

in Q3-2024 • Core operating profit grew by 10.3% y-o-y to ₹ 146.01 bn in Q3-2024 • Provisions of ₹ 10.50 bn in Q3-2024 (0.36% of average advances) • Period-end total deposits grew by 18.7% y-o-y and 2.9%

0.36%

erating profit grew by 10.3% y-o-y to ₹ 146.01 bn in Q3-2024 • Provisions of ₹ 10.50 bn in Q3-2024 (0.36% of average advances) • Period-end total deposits grew by 18.7% y-o-y and 2.9% q-o-q at December

18.7%

rovisions of ₹ 10.50 bn in Q3-2024 (0.36% of average advances) • Period-end total deposits grew by 18.7% y-o-y and 2.9% q-o-q at December 31, 2023 • Period-end term deposits grew by 31.2% y-o-y and 4.9

2.9%

0.50 bn in Q3-2024 (0.36% of average advances) • Period-end total deposits grew by 18.7% y-o-y and 2.9% q-o-q at December 31, 2023 • Period-end term deposits grew by 31.2% y-o-y and 4.9% q-o-q at Dece

31.2%

osits grew by 18.7% y-o-y and 2.9% q-o-q at December 31, 2023 • Period-end term deposits grew by 31.2% y-o-y and 4.9% q-o-q at December Deposits 31, 2023 • Average current account deposits increased

4.9%

.7% y-o-y and 2.9% q-o-q at December 31, 2023 • Period-end term deposits grew by 31.2% y-o-y and 4.9% q-o-q at December Deposits 31, 2023 • Average current account deposits increased by 11.6% y-o-y

11.6%

-y and 4.9% q-o-q at December Deposits 31, 2023 • Average current account deposits increased by 11.6% y-o-y and 2.4% q-o-q • Average savings account deposits increased by 2.8% y-o-y and declined 0.6%

2.4%

q at December Deposits 31, 2023 • Average current account deposits increased by 11.6% y-o-y and 2.4% q-o-q • Average savings account deposits increased by 2.8% y-o-y and declined 0.6% q-o-q Advance

Direct Imports

1

High operational efficiency

1

Direct Imports

iDocs Import Regularization Import Financing Trade Analytics iBOE Buyers Credit TradeOneView iDocs Digital channel for payment of import obligations Trade API Embedded banking solutions for streamlining trade transactions 72.2% 26.2% Trade online digital adoption1 Volume of digital throughput2 Import Financing For effective management of your import payment cycle 1. 2. 3. Q3-2024 (by count) Q3-2024 over Q3-2023 (by count) Q3-2024 over Q3-2023 (by value) 1.75x Merchandise Import Flows2 21 Simplifying Cross Border Remittances SmartIRM Multi-party cross-border Inward Remittance solution - virtual a/c architecture SmartORM Get outward remittance documents pre- vetted before booking Fx deals Challenges Challenges Manual reconciliation of multiple inward transactions Account details exposed to multiple parties Fx deal funding cost loss in discrepant transactions High transaction cycle time in case of discrepancies Solution Remitter 1 Remitter 2 VA 1 VA 2 One time registration Remitter n VA n

High operational efficiency

reduced turnaround time Seamless processing with multi-channel availability VA: Virtual Account 22 Supply chain solutions Receivable solutions Payable solutions Product suite l s e b a Factoring v e c e R i Dealer financing Reverse factoring Payable financing Vendor bill discounting Purchase bill finance Increased client requirement for efficient supply chain management Bespoke solutions leading to operational efficiency in client’s supply chain Self liquidating and short tenor transactions resulting in granular book End-to-end digital architecture enabling seamless transaction flow Supply Chain Finance & Structured Trade Loan book1 48% 1. December 31, 2023 over December 31, 2022 23 Digital sourcing for retail products in 9M-2024 Personal loan disbursements (by volume) Credit cards (by volume) SIPs initiated (by volume) 1 Mortgages (Number of sanctions) Fixed deposits (by volume) 1. Represents insignificant number 24 Digital payments: credit and debit cards Credit card spends Debit car