ICICIBANK

July 22, 2026 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 Please find attached the investor presentation which will be referred during the meetings scheduled on July 22-23, 2026, with debt market investors. The said presentation is being uploaded on the website of the Bank and can be accessed at https://www.icici.bank.in/about-us/investor. This is for your information and records. Thanking you, For ICICI Bank Limited Vivek Ranjan Leadership Team Encl.: as above. Copy to- (i) New York Stock Exchange (NYSE) (ii) Singapore Stock Exchange (iii) Japan Securities Dealers Association (iv) SIX Swiss Exchange Ltd ICICI Bank Debt Market Investor Meetings July 22-23, 2026 NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES, EXCEPT TO “QUALIFIED INSTITUTIONAL BUYERS” (AS DEFINED IN RULE 144A UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S. SECURITIES ACT”), OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW. This presentation and the accompanying slides (the “presentation”) contain selected information about the activities of ICICI Bank Limited (the “Company”) and its subsidiaries and affiliates (together, the “Group”) as at the date of the presentation. It does not purport to present a comprehensive overview of the Group or contain all the information necessary to evaluate an investment in the Company. This presentation should be read in its entirety. This presentation remains the property of the Company and on request must be returned and any copies destroyed. This presentation is for information purposes only and is not a prospectus, disclosure document or other offering document under any law, nor does it form part of, and should not be construed as, any present or future invitation, recommendation or offer to purchase, sell or subscribe for any securities of the Company or the Group or an inducement to enter into investment activity in any jurisdiction. No part of this presentation nor the fact of its distribution should form the basis of, or be relied on in connection with, any contract or commitment or investment decision whatsoever. If there is any subsequent offering of any security of the Company, it will be made pursuant to a separate and distinct offering documentation. Any decision to purchase securities in the context of an offering of securities (if any) should be made solely on the basis of information contained in the offering documentation published in relation to such offering. The Company makes no representation or warranty as to the accuracy or completeness of any information contained herein, including any estimates or projections, and nothing contained herein should be relied upon as a promise or a representation regarding future events or performance. This presentation is being communicated only to selected persons who have professional experience in matters relating to investments (including those falling within the definition of “investment professionals” as defined in the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended or replaced) and other persons to whom it may otherwise be lawfully communicated) for information purposes only and does not constitute a recommendation or advice regarding any securities of the Company or the Group. Other persons should not rely or act upon this presentation or any of its contents. The contents of this presentation are strictly confidential. By viewing or accessing the presentation, you acknowledge and agree that (i) the information contained herein is strictly confidential and (ii) the information is intended for the recipient only and, except with the prior written consent of the Company and Barclays, BNP Paribas, BofA Securities, Crédit Agricole CIB, Citigroup, HSBC, Mashreq, Mizuho, Morgan Stanley, MUFG and Standard Chartered Bank (together, the “Joint Bookrunners”), (a) the information shall not be disclosed, reproduced or distributed in any way to anyone else and (b) no part of these materials may be retained and taken away following this presentation and the participants must return this presentation and all other materials provided in connection herewith to the Company at the completion of the presentation. The distribution of this presentation in certain jurisdictions may be restricted by law and recipients should inform themselves about and observe any such restrictions. In particular, this presentation may not be transmitted or distributed, directly or indirectly, in or into the United States, Canada or Japan. Hong Kong Securities and Futures Commission Code of Conduct (Paragraph 21 – Bookbuilding and Placing Activities) – In the context of any offering of securities, certain of the Joint Bookrunners and other intermediaries are “capital markets intermediaries” (together, the “CMIs”) subject to Paragraph 21 of the Code of Conduct for Persons Licensed by or Registered with the Securities and Futures Commission (the “SFC Code”). Associated Orders and Proprietary Orders: Prospective investors who are the directors, employees or major shareholders of the Company, a CMI or its group companies would be considered under the SFC Code as having an association with the Company, the relevant CMI or the relevant group company. Prospective investors associated with the Company or a CMI (including any of its group companies) should specifically disclose whether they have any such association to a CMI and the Joint Bookrunners (and such CMI and the Joint Bookrunners may be required to pass such information to the Company and certain other CMIs) when placing an order for such securities and should disclose, at the same time, if such orders may negatively impact the price discovery process in relation to the offering. Prospective investors who do not disclose their associations are deemed not to be so associated. Where prospective investors disclose such associations but do not disclose that such order may negatively impact the price discovery process in relation to the offering, such order is hereby deemed not to negatively impact the price discovery process in relation to the offering. If a prospective investor is an asset management arm affiliated with a CMI, such prospective investor should indicate when placing an order if it is for a fund or portfolio where such CMI or its group company has more than 50% interest, in which case it will be classified as a “proprietary order” and subject to appropriate handling by CMIs in accordance with the SFC Code and should disclose, at the same time, if such “proprietary order” may negatively impact the price discovery process in relation to the offering. 2 Prospective investors who do not indicate this information when placing an order are hereby deemed to confirm that their order is not such a “proprietary order”. If a prospective investor is otherwise affiliated with a CMI, such that its order may be considered to be a “proprietary order” (pursuant to the SFC Code), such prospective investor should indicate to such CMI and the Joint Bookrunners when placing such order. Prospective investors who do not indicate this information when placing an order are hereby deemed to confirm that their order is not such a “proprietary order”. Where prospective investors disclose such information but do not disclose that such “proprietary order” may negatively impact the price discovery process in relation to the offering, such “proprietary order” is hereby deemed not to negatively impact the price discovery process in relation to the offering. Order Book Transparency: Prospective investors should ensure, and by placing an order prospective investors are deemed to confirm, that orders placed with a CMI are bona fide, are not inflated and do not constitute duplicated orders (i.e. two or more corresponding or identical orders placed via two or more CMIs). In addition, any other CMIs (including private banks) submitting orders with the Joint Bookrunners should disclose the identities of all investors when submitting orders with the Joint Bookrunners. When placing an order, private banks should disclose, at the same time, if such order is placed other than on a “principal” basis (whereby it is deploying its own balance sheet for onward selling to investors). Private banks who do not provide such disclosure are hereby deemed to be placing their order on such a “principal” basis. Otherwise, such order may be considered to be an omnibus order (see further below) pursuant to the SFC Code. Private banks should be aware that placing an order on a “principal” basis may require the relevant Joint Bookrunners to categorise it as a proprietary order and apply the “proprietary orders” requirements of the SFC Code to such order. In the case of omnibus orders placed with the Joint Bookrunners, CMIs (including private banks) that are subject to the SFC Code should, at the same time, disclose underlying investor information (name, unique identification number, whether the underlying investor has any associations and whether any underlying investor order is a “proprietary order” and/or a duplicate order) in the format and to the relevant recipients indicated to such CMIs (including private banks) by the Joint Bookrunners at the relevant time. Failure to provide such information may result in that order being rejected. In sharing such underlying investor information, which may be personal and/or confidential in nature, CMIs (including private banks) (i) should take appropriate steps to safeguard the transmission of such information; (ii) are deemed to have obtained the necessary consents to disclose such information; and (iii) are deemed to have authorised the collection, disclosure, use and transfer of such information by the Joint Bookrunners, other CMIs and/or any other third parties as may be required by the SFC Code. In addition, prospective investors should be aware that certain information may be disclosed by the Joint Bookrunners and other CMIs which is personal and/or confidential in nature to the prospective investor. By placing an order with the Joint Bookrunners, prospective investors are deemed to have authorised the collection, disclosure, use and transfer of such information by the Joint Bookrunners to the Company, certain other CMIs, relevant regulators and/or any other third parties as may be required by the SFC Code, it being understood and agreed that such information shall only be used in connection with the offering. This presentation does not constitute or form part of any offer to purchase, a solicitation of an offer to purchase, an offer to sell or an invitation or solicitation of an offer to sell, issue or subscribe for, securities in or into the United States or in any other jurisdiction. No securities mentioned herein have been, or will be, registered under the U.S. Securities Act, or any state securities laws or other jurisdiction of the United States and no such securities may be offered or sold in or into the United States absent registration or an applicable exemption from, or in a transaction not subject to, the registration requirements under the U.S. Securities Act and any applicable state or local securities laws of the United States. The presentation is being made to you on the basis that you have confirmed your representation to each of the Joint Bookrunners that you and any customers you represent are either (a) qualified institutional buyers (within the meaning of Regulation 144A under the U.S. Securities Act), or (b) eligible to purchase the securities of the Company outside the United States in an offshore transaction in reliance on Regulation S under the U.S. Securities Act. Prospective investors should rely solely on their own examination of the relevant offering document, which will contain material information not in this presentation, in making a determination as to whether to invest in the Company’s securities. As such investment may involve particular risks and uncertainties, prospective investors should read and understand the explanations of relevant risks in the final version of the relevant offering document before making any decisions. Any failure to comply with these restrictions may constitute a violation of applicable securities laws. This presentation has not been, nor will it be filed, registered, produced or published as an offer document (whether a prospectus in respect of a public offer, a statement in lieu of a prospectus or information memorandum, private placement offer cum application letter, or placement memorandum, general information document or key information document, an offering circular, an offering memorandum or other offering materials in respect of any private placement under the Companies Act, 2013, as amended, regulations formulated by Securities and Exchange Board of India or any other applicable Indian laws) with any Registrar of Companies, the Securities and Exchange Board of India, the Reserve Bank of India or any Indian stock exchange or any other statutory or regulatory body of like nature in India, save and except for any information which is mandatorily required to be disclosed or filed in India under any applicable Indian laws (including, but not limited to, the Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations 2015, as amended, under the terms of the listing agreement with any Indian stock exchange, and Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended) or pursuant to the sanction of any regulatory and adjudicatory body in India. 3 This presentation has not been and will not be reviewed or approved by any regulatory or statutory or adjudicatory authority in India or by the Indian stock exchanges. The securities mentioned herein will not be offered sold, resold, pledged, delivered, distributed or transferred, directly or indirectly, in India and have not been offered or sold, to any person resident in India by means of any document or otherwise, whether as a principal or agent. The securities mentioned herein have not been offered or sold, and will not be offered or sold to any person, in India in circumstances which would constitute an advertisement, invitation, offer, sale or solicitation of an offer to subscribe for or purchase any securities (whether to the public or by way of private placement) within the meaning of the Companies Act, 2013 or any other applicable Indian laws for the time being in force. This presentation has been prepared by the Company based on information and data which the Company considers reliable, but none of the Company and the Joint Bookrunners makes any representation or warranty, express or implied, as to and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information contained herein or any statement made in this presentation. Opinions and estimates constitute the sole judgement of the Company as of the date of this presentation and are subject to change without notice. The presentation has not been independently verified. The Company, each member of the Group, the Joint Bookrunners and their respective affiliates, directors, employees, advisers and representatives do not accept any liability for any facts made in or omitted from this presentation. To the maximum extent permitted by law, the Company, each member of the Group, the Joint Bookrunners and their respective affiliates, directors, employees, advisers and representatives disclaim all liability and responsibility (including without limitation any liability arising from negligence or otherwise) for any direct or indirect loss or damage, howsoever arising, which may be suffered by any recipient through use of or reliance on anything contained in or omitted from or otherwise arising in connection with this presentation. The information contained in, and the statements made in, this presentation should be considered in the context of the circumstances prevailing at the time. There is no obligation to update, modify or amend such information or statements or to otherwise notify any recipient if any information or statement set forth herein, changes or subsequently becomes inaccurate or outdated. The information and any opinions contained in this document is provided as at the date of this document and is subject to change without notice. Any prospective investor that intends to deal in any existing or prospective securities of the Company is required to make its own independent investigation and appraisal of the business and financial condition of the Group and the nature of the securities at the time of such dealing to the extent they deem it necessary and make their own investment, hedging and trading decisions based upon their own judgement and advice from such advisers as they deem necessary and not upon any view expressed in this presentation. Any securities or financial instruments mentioned herein may not be suitable for all prospective investors. No one has been authorised to give any information or to make any representations other than those contained in this presentation, and if given or made, such information or representations must not be relied upon as having been authorised by the Company, the Joint Bookrunners or their respective affiliates. The information in this presentation does not constitute financial advice (nor investment, tax, accounting or legal advice) and does not take into account a prospective investor’s individual investment objectives, including the merits and risks involved in an investment in the Company or its securities, or a prospective investor’s financial situation, tax position or particular needs. Past performance information in this presentation should not be relied upon as an indication of (and is not an indicator of) future performance. This presentation contains “forward-looking statements”. Such forward-looking statements involve known and unknown risks, uncertainties and other important factors beyond the Company's control that could cause the actual results, performance or achievements of any member of the Group to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements contained in this presentation regarding past trends or activities should not be taken as a representation that such trends or activities will continue in the future. Similarly, statements about market and industry trends are based on interpretations of current market conditions which are also subject to change. The Company has no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Attendees are cautioned not to place undue reliance on forward looking statements. No representation, warranty or assurance (express or implied) is given that the occurrence of the events expressed or implied in any forward-looking statements in this presentation will actually occur. This presentation contains data sourced from and the views of independent third parties. In replicating such data in this document, none of the Company and the Joint Bookrunners makes any representation, whether express or implied, as to the accuracy of such data. The replication of any third party views in this document should not necessarily be treated as an indication that the Company or the Joint Bookrunners agrees with or concurs with such views. A rating is not a recommendation to buy, sell or hold securities and may be subject to revision, suspension, reduction or withdrawal at any time by the relevant rating agencies. The significance of each rating should be analysed independently from any other rating. By participating in this presentation, attendees agree to be bound by the foregoing limitations. 4 Credit highlights (1/4) • ICICI is the 2nd largest private-sector bank in India by assets1 • Designated as 1 of the 3 Domestic Systemically Important Banks (D-SIBs) in Overview India • Market capitalisation of US$ 110.5 bn at Jul 21, 20262 • PAT of US$ 1.56 bn (₹ 148.05 bn) in Q1-2027, representing a strong 15.9% YoY growth • Stable margins and healthy core income generation • Net interest income rose from ₹ 743.06 bn in FY2024 to ₹ 880.75 bn in Earnings FY2026 • NIM remained healthy at 4.3% in FY2026 • Healthy RoA at 2.49% at Jun 30, 2026 • RoE remained strong at 17.1% at Jun 30, 2026 1. Source: RBI Data 2. Source: Indian stock exchanges 6 Credit highlights (2/4) • Stable and granular funding franchise with period-end total deposits of US$ 193.3 bn (₹ 18,335.86 bn), representing a growth of 14.0% YoY Deposits • Period-end CASA ratio stood at 39.5% • Adequate liquidity with SLR investments of US$ 44.9 bn (₹ 4,255.10 bn) • Total advances of US$ 172.0 bn (₹ 16,312.60 bn) as of June 30, 2026, Advances representing a healthy growth of 19.6% YoY • Well diversified, granular and collateralised loan book 7 Credit highlights (3/4) Prudent credit quality • GNPA improved consistently from 2.16% in FY2024 to 1.4% in Q1-2027 Asset • Net NPA ratio was 0.35% at Jun 30, 2026 quality • Provision coverage ratio was 74.7% at Jun 30, 2026 • Contingency provisions of US$ 1.4 bn (₹ 131.00 bn) at Jun 30, 2026 Strong capital adequacy • Total Capital Adequacy Ratio of 16.84% as of June 30, 2026 Capital • Common Equity Tier 1 (CET-1) Ratio of 16.19% as of June 30, 2026 • Net-worth of US$ 37.2 bn (₹ 3,534.91 bn) at Jun 30, 2026 8 Credit highlights (4/4) • Leadership across a full suite of financial services via scaled, highly profitable subsidiaries spanning • life insurance • general insurance • asset management Leadership • broking • housing finance • pension fund management • Highly qualified Board and strong leadership • S&P: BBB/Stable Credit • S&P: Standalone Credit Profile (SACP) of ‘a-’ ratings • Moody’s: Baa3/Stable 9 Distribution network Branches % share at Mar 31, 2025 Mar 31, 2026 Mar 31, 2026 Metro 2,079 2,356 31.4% Urban 1,422 1,507 20.1% Semi urban 1,905 1,956 26.0% Rural 1,577 1,692 22.5% Total branches 6,983 7,511 100.0% Total ATMs and CRMs1 16,285 12,087 528 branches added in FY2026 Total branches were 7,608 at Jun 30, 2026 1. Cash Recycling Machines 10 Profit & loss statement Q1- Q1- Q1-o-Q1 (₹ billion) FY2024 FY2025 FY2026 2026 2027 growth % Net interest income 743.06 811.65 880.75 216.35 243.84 12.7% Non-interest income 229.58 285.07 307.58 85.05 85.76 0.8% Core operating income 972.64 1,096.72 1,188.33 301.40 329.60 9.4% Non-interest expenses 391.33 423.72 472.34 113.94 125.74 10.4% Operating profit before 581.31 672.99 715.99 187.46 203.86 8.7% provisions Provisions and contingencies 36.43 46.83 53.80 18.15 12.60 (30.6)% Profit before tax 544.88 626.16 662.19 169.31 191.26 13.0% Tax 136.00 153.89 160.72 41.63 43.21 3.8% Profit after tax 408.88 472.27 501.47 127.68 148.05 15.9% 12 Balance sheet: liabilities Mar 31, Mar 31, Mar 31, Jun 30, Jun 30, Q1-o-Q1 (₹ billion) 2024 2025 2026 2025 2026 growth % Net worth 2,383.99 2,920.76 3,373.71 3,063.21 3,534.91 15.4% Deposits 14,128.25 16,103.48 17,946.25 16,085.18 18,335.86 14.0% - Savings 4,023.00 4,407.72 4,756.06 4,458.42 4,763.70 6.8% - Demand 1,935.72 2,329.57 2,679.82 2,169.71 2,478.86 14.2% - Term 8,169.53 9,366.19 10,510.38 9,457.04 11,093.30 17.3% Borrowings 1,249.68 1,235.38 1,249.94 1,170.95 1,262.92 7.9% Other liabilities 953.23 922.77 1,155.41 919.06 1,190.57 29.5% Total liabilities 18,715.15 21,182.40 23,725.31 21,238.39 24,324.26 14.5% 14 Balance sheet: assets (₹ billion) Mar 31, Mar 31, Mar 31, Jun 30, Jun 30, Q1-o-Q1 2024 2025 2026 2025 2026 growth % Cash & bank balances 1,399.26 1,855.62 2,303.35 1,645.98 1,630.47 (0.9)% Investments 4,619.42 5,047.57 4,922.17 5,077.07 5,385.34 6.1% Advances 11,844.06 13,417.66 15,538.93 13,641.57 16,312.60 19.6% Fixed & other assets 852.41 861.55 960.86 873.77 995.85 14.0% Total assets 18,715.15 21,182.40 23,725.31 21,238.39 24,324.26 14.5% 15 Key ratios Percent FY2024 FY2025 FY2026 Q1-2026 Q1-2027 Net interest margin 4.53 4.32 4.32 4.34 4.36 Cost/ average assets 2.29 2.18 2.22 2.19 2.15 Return on average assets 2.37 2.40 2.32 2.44 2.49 Return on average equity 18.71 17.95 15.97 17.07 17.14 Net NPA ratio1 0.42 0.39 0.33 0.41 0.35 Provision coverage ratio 80.3 76.2 75.8 75.3 74.7 Common Equity Tier-1 15.60 15.94 16.35 15.65 16.19 Total capital adequacy 16.33 16.55 17.18 16.31 16.84 1. Based on net customer assets 16