ICICIBANK

July 18, 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 earnings call with analysts and investors for the financial results of the Bank for the quarter ended June 30, 2026. The said presentation is being uploaded on the website of the Bank and can be accessed at https://www.icici.bank.in/about-us/qfr. 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 Q1-2027: Performance review July 18, 2026 Certain definitions 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 Litigation Reform Act of 1995. Such forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. These risks and uncertainties include, but are not limited to statutory and regulatory changes, international economic and business conditions; political or economic instability in the jurisdictions where we have operations or which affect global or Indian economic conditions, increase in non-performing loans, unanticipated changes in interest rates, foreign exchange rates, equity prices or other rates or prices, our growth and expansion in business, the adequacy of our allowance for credit losses, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks, changes in India’s sovereign rating, as well as other risks detailed in the reports filed by us with the United States Securities and Exchange Commission. Any forward-looking statements contained herein are based on assumptions that we believe to be reasonable as of the date of this release. ICICI Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. Additional risks that could affect our future operating results are more fully described in our filings with the United States Securities and Exchange Commission. These filings are available at www.sec.gov. 2 Key highlights for Q1-2027 (1/2) • Profit before tax excluding treasury grew by 20.9% y-o-y and 4.2% q-o-q to ₹ 189.75 bn in Q1-2027 • Core operating profit grew by 15.6% y-o-y and 10.5% q-o-q to ₹ 202.35 bn Earnings • Core operating profit excluding dividend from subsidiaries grew by 18.3% y-o-y and 8.2% q-o-q to ₹ 191.25 bn • Profit after tax grew by 15.9% y-o-y and 8.0% q-o-q to ₹ 148.05 bn in Q1-2027 • Average deposits grew by 14.0% y-o-y and 6.1% q-o-q in Q1-2027 Deposits • Average current and savings account deposits grew by 12.1% y-o-y and 4.7% q-o-q in Q1-2027 • Period end total deposits grew by 14.0% y-o-y and 2.2% q-o-q at Jun 30, 2026 • Total loans grew by 19.6% y-o-y and 5.0% q-o-q Advances • Retail loans grew by 12.0% y-o-y and 2.7% q-o-q • Business banking1 portfolio grew by 28.2% y-o-y and 6.9% q-o-q • Domestic corporate portfolio grew by 18.5% y-o-y and 6.9% q-o-q 1. This portfolio comprises borrowers with turnover of upto ₹ 7.50 bn 4 Key highlights for Q1-2027 (2/2) • Net NPA ratio was 0.35% at Jun 30, 2026 (Mar 31, 2026: 0.33%) • Net additions of ₹ 27.07 bn to gross NPAs in Q1-2027 (Q1-2026: ₹ 30.34 bn) • Provision coverage ratio was 74.7% at Jun 30, 2026 (Mar 31, 2026: 75.8%) Asset • Standard, contingency and other provisions of ₹ 229.63 bn (1.4% of advances) quality at Jun 30, 2026 • Contingency provisions of ₹ 131.00 bn at Jun 30, 2026 • Excludes additional standard asset provision of ₹ 12.83 billion in respect of agricultural priority sector portfolio • Common Equity Tier 1 ratio of 16.19%1 (Mar 31, 2026: 16.35%2) Capital • Total capital adequacy ratio of 16.84%1 1. Including profits for Q1-2027 2. Including profits for FY2026 5 Profit & loss statement Q1-o-Q1 (₹ billion) FY2026 Q1-2026 Q4-2026 Q1-2027 (%) Net interest income1 880.75 216.35 229.79 243.84 12.7% Non-interest income 295.60 72.64 74.15 84.25 16.0% - Fee income 257.42 59.00 67.79 72.86 23.5% - Dividend income from 34.58 13.36 6.31 11.10 (16.9)% subsidiaries - Others 3.60 0.28 0.05 0.29 2.9% Core operating income 1,176.35 288.99 303.94 328.09 13.5% Operating expenses 472.34 113.94 120.89 125.74 10.4% - Employee expenses 179.75 47.43 44.68 50.05 5.5% - Non-employee expenses 292.59 66.51 76.21 75.69 13.8% Core operating profit 704.01 175.05 183.05 202.35 15.6% Core operating profit excluding 669.43 161.69 176.74 191.25 18.3% dividend income 1. Includes interest on tax refund of ₹ 4.65 bn in Q1-2027 (FY2026: ₹ 7.11 bn, Q4-2026: ₹ 2.90 bn, Q1-2026: 3.61 bn) 7 Profit & loss statement ₹ in billion Q1-o-Q1 FY2026 Q1-2026 Q4-2026 Q1-2027 (%) Core operating profit 704.01 175.05 183.05 202.35 15.6% Provisions 53.80 1 18.15 0.96 12.60 (30.5)% Profit before tax excluding 650.21 156.90 182.09 189.75 20.9% treasury Treasury income 11.98 12.41 (1.06) 1.51 (87.8)% Profit before tax 662.19 169.31 181.03 191.26 13.0% Tax 160.72 41.63 44.01 43.21 3.8% Profit after tax 501.47 127.68 137.02 148.05 15.9% 1. Includes additional standard asset provision of ₹ 12.83 bn made pursuant to Reserve Bank of India’s annual supervisory review 8 Key ratios Percent FY2026 Q1-2026 Q4-2026 Q1-2027 Net interest margin1,2 4.32 4.34 4.32 4.36 Cost of deposits 4.62 4.85 4.43 4.41 Cost-to-income 39.7 37.8 39.9 38.1 Core operating profit/average assets 3.26 3.34 3.20 3.40 Provisions/core operating profit 7.6 10.4 0.5 6.2 Provisions/average advances 0.38 0.53 0.03 0.32 Return on average assets 2.32 2.44 2.40 2.49 Standalone return on equity 16.0 17.1 16.6 17.1 Weighted average EPS (₹) 70.2 71.6 76.6 82.6 Book value (₹) 471.2 429.3 471.2 492.8 Yield, cost and margin: slide 40 Consolidated P&L and ratios: slide 41-43 1. Annualised on the basis of ‘number of months’ 2. Impact of interest on tax refund was 8 bps in Q1-2027 (3 bps in FY2026, 5 bps in Q4-2026 and 7 bps in Q1-2026) 9 Standalone segment-wise PBT Profit before tax FY2026 Q1-2026 Q4-2026 Q1-2027 (₹ billion) Retail 232.44 47.35 69.27 62.39 Wholesale 244.89 53.87 70.37 74.79 Treasury 172.30 62.61 37.42 48.22 Others 12.56 5.48 3.97 5.86 Total 662.19 169.31 181.03 191.26 10 Outstanding deposits (₹ billion) % share at Jun 30, Mar 31, Jun 30, Y-o-Y Q-o-Q Jun 30, 2025 2026 2026 growth growth 2026 CASA 6,628.13 7,435.87 7,242.56 9.3% (2.6)% 39.5% - Current 2,169.71 2,679.81 2,478.86 14.2% (7.5)% 13.5% - Savings 4,458.42 4,756.06 4,763.70 6.8% 0.2% 26.0% Term 9,457.04 10,510.38 11,093.30 17.3% 5.5% 60.5% Total deposits 16,085.17 17,946.25 18,335.86 14.0% 2.2% 100.0% Balance sheet-liabilities: slide 44-45 Consolidated balance sheet: slide 46 Extensive franchise: slide 47 12 Average deposits Y-o-Y Q-o-Q (₹ billion) Q1-2026 Q4-2026 Q1-2027 growth growth CASA 5,939.09 6,359.38 6,657.75 12.1% 4.7% Term 9,393.32 10,108.53 10,822.53 15.2% 7.1% Total deposits 15,332.41 16,467.91 17,480.28 14.0% 6.1% Average CASA ratio 38.7% 38.6% 38.1% 13 Loan portfolio Jun 30, Mar 31, Jun 30, Y-o-Y Q-o-Q % share at (₹ billion) 2025 2026 2026 growth growth Jun 30, 20263 Retail 7,205.40 7,851.57 8,067.48 12.0% 2.7% 49.2% Rural loans 771.51 983.76 1,044.49 35.4% 6.2% 6.4% Business banking1 2,730.83 3,276.65 3,501.56 28.2% 6.9% 21.4% Domestic corporate and 2,757.32 3,055.40 3,266.31 18.5% 6.9% 19.9% others Total domestic book 13,465.06 15,167.38 15,879.84 17.9% 4.7% 96.9% (gross of BRDS/IBPC) BRDS/IBPC2 (153.10) (51.40) (69.99) - - - Total domestic book (net 13,311.96 15,115.98 15,809.85 18.8% 4.6% 96.9% of BRDS/IBPC) Overseas book 329.61 422.95 502.75 52.5% 18.9% 3.1% Total advances 13,641.57 15,538.93 16,312.60 19.6% 5.0% 100.0% • Including non-fund based outstanding, the share of retail portfolio was 41.1% of the total portfolio at Jun 30, 2026 • Of the total domestic loan book, about 57% has interest rate linked to repo rate and other external benchmarks, 30% has fixed interest rate and 13% has interest rate linked to MCLR and other older benchmarks Balance sheet-assets: slides 48-49 1. This portfolio comprises borrowers with turnover of upto ₹ 7.50 bn 2. Bill rediscounting scheme/Interbank participatory certificate 3. Proportions are gross of BRDS/IBPC Portfolio composition: slide 50 14 Retail portfolio (₹ billion) Jun 30, Mar 31, Jun 30, Y-o-Y Q-o-Q % share at 2025 2026 2026 growth growth Jun 30, 2026 Mortgages 4,478.85 4,975.45 5,133.47 14.6% 3.2% 63.6% Vehicle loans 962.73 1,007.54 1,022.74 6.2% 1.5% 12.7% - Auto finance 615.31 629.86 637.69 3.6% 1.2% 7.9% - Commercial vehicle and 340.18 375.36 383.57 12.8% 2.2% 4.8% equipment Personal loans 1,200.10 1,302.47 1,355.20 12.9% 4.0% 16.8% Credit cards 542.55 541.33 532.06 (1.9%) (1.7%) 6.6% Loan against shares and 21.17 24.78 24.01 13.4% (3.1%) 0.3% others Total retail loans 7,205.40 7,851.57 8,067.48 12.0% 2.7% 100.0% 15 NPA trends (₹ billion) Jun 30, Mar 31, Jun 30, 2025 2026 2026 Gross NPAs1 247.33 230.52 238.47 Less: cumulative provisions 187.62 175.93 179.39 Net NPAs1 59.71 54.59 59.08 Gross NPA ratio1 1.67% 1.40% 1.38% Net NPA ratio1 0.41% 0.33% 0.35% Provision coverage ratio 75.3% 75.8% 74.7% Retail and rural NPAs: slide 51 1. Based on customer assets 17 NPA movement1 ₹ billion FY2026 Q1-2026 Q4-2026 Q1-2027 Opening gross NPA 241.66 241.66 237.58 230.52 Add: gross additions (1) 191.47 62.45 42.42 55.52 2 3 - Retail and rural 155.16 51.93 31.45 43.31 - Corporate and business banking 36.31 10.52 10.97 12.21 Less: recoveries, upgrades and others (2) 114.92 32.11 30.68 28.45 - Retail and rural 87.66 25.25 22.93 22.10 - Corporate and business banking 27.26 6.86 7.75 6.35 Net additions (1)-(2) 76.55 30.34 11.74 27.07 Less: write-offs 84.24 23.59 17.68 16.73 : sale of NPAs 3.45 1.08 1.12 2.39 Closing gross NPAs 230.52 247.33 230.52 238.47 1. Based on customer assets 2. Includes additions of ₹ 7.67 bn from kisan credit card portfolio 3. Includes additions of ₹ 7.06 bn from kisan credit card portfolio 18 Other portfolios Jun 30, Mar 31, Jun 30, (₹ billion) 2025 2026 2026 1 Resolution under RBI frameworks: Total fund based o/s1 17.88 14.96 13.63 2 Corporate: BB and below outstanding2 - Borrowers with o/s greater than ₹ 1.00 bn 24.58 31.22 30.90 - Borrowers with o/s less than ₹ 1.00 bn 5.37 3.97 3.95 Total 29.95 35.19 34.85 3 Non-fund o/s to NPAs 32.98 21.74 22.07 1. Includes standard borrowers under resolution as per various RBI frameworks 2. Fund-based and non-fund based outstanding. Excludes banks, investments and fund and non-fund based outstanding to NPAs 19 Standard assets and other provisions1,2 (₹ billion) Jun 30, Mar 31, Jun 30, 2025 2026 2026 3 3 Total provisions 226.64 227.10 229.63 -- of which contingency provisions 131.00 131.00 131.00 Total as a % of net advances 1.7% 1.5% 1.4% 1. Excludes specific provisions on fund-based outstanding to borrowers classified as non-performing 2. Includes general provision on standard assets, contingency provisions, provisions held for non fund based outstanding to borrowers classified as non-performing, fund and non-fund based outstanding to standard borrowers under resolution, performing BB and below corporate portfolio 3. Excludes additional standard asset provision of ₹ 12.83 billion made in Q3-2026 pursuant to RBI’s annual supervisory review 20 Diversified and granular loan book Breakup of loan portfolio1 at Jun 30, 2026 49.2% of total loans are retail3 2 1. Proportions are gross of BRDS/IBPC 2. This portfolio comprises borrowers with turnover of upto ₹ 7.50 bn 3. Including non-fund based outstanding, the share of retail portfolio was 41.1% of the total portfolio at Jun 30, 2026 22 Mortgage, personal loan and credit card portfolio Mortgage Personal loans and credit cards Mortgage portfolio includes home loans ~64%, top-up Growth in retail credit card spends loans given to existing home loan customers ~7%, non- driven by residential loans ~6% and loan against property ~17% ▪ Collaboration with leading brands ~90% ~60% ▪ Extending convenient and rewarding Mortgage customers have Average loan-to- payment option through UPI on credit card existing relationship with value ratio of ▪ Increasing EMI campaigns to drive the Bank home loan affordability ~40% ~ ₹ 4.1 mn ~ 70% Portfolio to existing customers Average loan-to-value Average ticket ratio of loan against size of home loan ~ 85% Portfolio of salaried individuals property iLens, an integrated, end-to-end, retail lending solution, covering all facets of loan lifecycle from sourcing till disbursement. Single interface for employees, third-party agencies and sourcing channels 23 Business banking portfolio Growth driven by leveraging branch network and digital platforms such as, InstaBIZ, Merchant STACK and Trade Online, end to end digital onboarding platform DigiEase, and efforts towards process decongestion such as e-signing of disbursement documents through EazySign Focus on parameterised and programme based lending, granularity, collateral and robust monitoring; well diversified portfolio across sectors and geographies Primary collateral in the business banking portfolio in the form of charge on current assets and backed by immovable property ~65% of the portfolio by value having ticket size < ₹ 10 crore 24 Rating-wise loan book for corporate portfolio Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Rating category1 2022 2023 2024 2025 2026 2026 AA- and above 46.4% 45.0% 38.3% 35.9% 26.5% 26.9% A+, A, A- 31.0% 35.6% 40.2% 38.9% 45.4% 45.0% A- and above 77.4% 80.6% 78.5% 74.8% 71.9% 71.9% BBB+,BBB, BBB- 19.1% 17.9% 20.0% 24.1% 27.2% 27.2% BB and below 2.6% 1.0% 1.0% 0.7% 0.5% 0.4% Non-performing loans 0.6% 0.3% 0.1% 0.1% 0.0% 0.0% Unrated 0.3% 0.2% 0.4% 0.3% 0.4% 0.5% Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 1. Based on internal ratings 25 Exposure to power sector (₹ billion) Jun 30, Mar 31, Jun 30, % share at 2025 2026 2026 Jun 30, 2026 Borrowers classified as NPA or part of 8.57 5.79 6.19 1.0% BB and below portfolio1 Other borrowers 534.52 590.03 636.84 99.0% Total 543.09 595.82 643.03 100.0% • Of the other borrowers aggregating ₹ 636.84 billion, excluding exposure to State Electricity Boards, about 85% was rated A- and above Sector-wise exposures: slide 52 1. Including loans restructured or under RBI resolution scheme 26 NBFCs, HFCs and builder portfolio Jun 30, Mar 31, Jun 30, Outstanding (₹ billion) 2025 2026 2026 NBFCs/HFCs1 874.17 859.04 920.52 Builder portfolio (construction finance, lease rental 628.33 714.21 747.21 discounting, term loans and working capital)1 • Proportion of the NBFCs/HFCs portfolio internally rated BB and below or non-performing at Jun 30, 2026 was < 0.5% • 0.7% of the builder portfolio at Jun 30, 2026 was either internally rated BB and below or classified as non-performing 1. Includes loans, investment and non-fund based outstanding 27 Overseas branches - Wholesale portfolio Total outstanding1 at Jun 30, 2026: USD 4.26 billion 1. Corporate fund and non-fund outstanding of overseas branches, net of cash/bank/insurance backed lending 28 Concentration risk ratios Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Advances 2022 2023 2024 2025 2026 2026 Exposure to top 20 borrowers1 as a % of 9.6% 8.5% 8.3% 7.5% 6.4% 6.5% total exposure Exposure to top 10 groups as a % of total 10.3% 10.1% 10.0% 9.6% 10.3% 10.1% exposure • All top 20 borrowers as of Jun 30, 2026 are rated A- and above internally Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Deposits 2022 2023 2024 2025 2026 2026 Exposure to top 20 depositors1 as a % of 5.3% 3.5% 3.4% 4.2% 3.6% 3.6% total deposits 1. Excludes banks 29 Standalone capital adequacy Jun 30, 20251 Mar 31, 20261,2 Jun 30, 20261,2 (₹ billion) % (₹ billion) % (₹ billion) % Total capital 2,796.64 16.97% 3,130.33 17.18% 3,281.48 16.84% - Tier I 2,687.32 16.31% 2,978.18 16.35% 3,154.12 16.19% - of which: CET1 2,687.32 16.31% 2,978.18 16.35% 3,154.12 16.19% - Tier II 109.32 0.66% 152.15 0.83% 127.36 0.65% Risk weighted assets 16,481.46 18,217.25 19,487.59 - On balance sheet 14,634.35 16,224.27 17,297.93 - Off balance sheet 1,847.11 1,992.98 2,189.66 Consolidated capital adequacy: slide 53 1. Including profits for the period 2. After reckoning the impact of proposed/ assumed dividend 31 Profit after tax of key subsidiaries Profit after tax (₹ billion) FY2026 Q1-2026 Q4-2026 Q1-2027 ICICI Prudential Life Insurance 16.00 3.02 6.09 3.86 3 ICICI Lombard General Insurance 27.72 7.47 5.47 4.03 ICICI Prudential Asset Management1 33.13 7.84 7.69 9.65 ICICI Securities (Consolidated)1 17.13 3.91 4.22 4.19 ICICI Securities Primary Dealership1,2 4.47 4.44 (0.13) 0.98 ICICI Home Finance1 8.61 2.14 2.49 2.00 ICICI Venture 1.48 (0.01) 0.28 0.86 ICICI Bank UK (USD million) 25.3 5.9 8.0 7.2 ICICI Bank Canada (CAD million) 24.0 7.8 4.4 5.3 Details on key subsidiaries: slides 54-59 1. As per Ind AS 2. Represents total comprehensive income 3. Includes impact of increase in claim reserves pursuant to recent judicial pronouncements 33 Key subsidiaries (1/2) ICICI Prudential Life Insurance • Annualised Premium Equivalent increased to ₹ 21.36 billion in Q1-2027 from ₹ 18.64 billion in Q1-2026 • Value of New Business increased to ₹ 5.71 billion in Q1-2027 from ₹ 4.57 billion in Q1-2026 • New business sum assured grew by 31.8% y-o-y in Q1-2027 ICICI Lombard General Insurance • Gross direct premium income (GDPI) increased to ₹ 83.18 billion in Q1-2027 from ₹ 77.35 billion in Q1-2026 34 Key subsidiaries (2/2) ICICI Prudential Asset Management • Market leader in Equity schemes AUM and Equity Hybrid schemes AUM with market share of 14.0% and 26.6% respectively at June 30, 2026 • MF QAAUM1 grew by 18.3% y-o-y to ₹ 11,172.22 billion at June 30, 2026 ICICI Securities • Total assets2 grew by 7.9% y-o-y to ₹ 8.96 trillion in Q1-2027 • Market share in MTF3 of about 16.5% at June 30, 2026 1. Mutual Fund Quarterly Average assets under management; source: Association of Mutual Funds in India (AMFI) 2. Including equity demat assets maintained with ICICI Bank and excluding promoter holding as on Jun 30, 2026 3. Margin trading facility 35 Environmental, Social and Governance (ESG) initiatives 36 ESG @ ICICI Bank Environment Social Governance Striving to create value Being responsible and Promoting sustainable for all stakeholders transparent in business environmental practices • At March 31, 2026, green • Positively benefitted 19.84 • Enhanced mandate of ESG & financing portfolio was ₹307.04 million individuals through CSR CSR Committee for oversight on billion - about one-third of total initiatives till March 31, 2026 the Bank’s ESG action plan; Risk sustainable financing portfolio Committee to focus on climate • Enhanced awareness amongst risk policy and frameworks • Renewable energy in total employees during induction, electricity consumption through emailers and capacity • Focus on digitisation of increased from 38% in fiscal building via e-learning module measurement and monitoring of 2025 to 48% in fiscal 2026 and workshops key ESG performance indicators across the Bank • Total Scope 1 and Scope 2 emissions declined by 9.2% y-o-y, partly supported by adoption of lower-emission technologies and products 37 Yield, cost and margin Movement in yield, costs & margins FY2026 Q1-2026 Q4-2026 Q1-2027 (Percent)1 Yield on total interest-earning assets 8.33 8.61 8.14 8.17 - Yield on advances 9.19 9.53 8.87 8.86 Cost of funds 4.75 5.02 4.53 4.51 - Cost of deposits 4.62 4.85 4.43 4.41 Net interest margin2 4.32 4.34 4.32 4.36 - Domestic 4.39 4.40 4.41 4.45 - Overseas 0.96 0.95 0.94 1.01 slide 9 1. Annualised on the basis of ‘number of months’ 2. Impact of interest on tax refund was 8 bps in Q1-2027 (3 bps in FY2026, 5 bps in Q4-2026 and 7 bps in Q1-2026) 40 Consolidated profit & loss statement (1/2) Q1-o-Q1 (₹ billion) FY2026 Q1-2026 Q4-2026 Q1-2027 growth Net interest income 1,061.90 259.90 275.47 291.77 12.3% Non-interest income 1,169.00 254.96 350.20 274.48 7.7% - Fee income 345.95 79.94 90.45 96.35 20.5% - Premium income 776.24 147.36 259.01 167.80 13.9% - Other income 46.81 27.66 0.74 10.33 (62.7%) Total income 2,230.90 514.86 625.67 566.25 10.0% Operating expenses 1,403.94 301.69 415.62 340.21 12.8% Operating profit 826.96 213.17 210.05 226.04 6.0% 41 Consolidated profit & loss statement (2/2) (₹ billion) Q1-o-Q1 FY2026 Q1-2026 Q4-2026 Q1-2027 growth Operating profit 826.96 213.17 210.05 226.04 6.0% Provisions 56.39 18.22 2.61 12.97 (28.8%) Profit before tax 770.57 194.95 207.44 213.07 9.3% Tax 193.83 51.01 51.32 50.97 (0.1%) Share in profit of 2.63 0.63 0.69 0.66 4.8% associates Minority interest 37.29 8.99 9.26 8.36 (7.0%) Profit after tax 542.08 135.58 147.55 154.40 13.9% 42 Key ratios (consolidated) Percent FY2026 Q1-2026 Q4-2026 Q1-2027 Return on equity 16.0 16.9 16.6 16.6 Weighted average EPS (₹) 75.9 76.1 82.5 86.2 Book value (₹) 492 450 492 516 slide 9 43 Balance sheet: liabilities (₹ billion) Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Net worth 3,063.21 3,373.71 3,534.91 - Equity capital 14.27 14.32 14.35 - Reserves 3,048.94 3,359.39 3,520.56 Deposits 16,085.17 17,946.25 18,335.86 - Current 2,169.71 2,679.81 2,478.86 - Savings 4,458.42 4,756.06 4,763.70 - Term 9,457.04 10,510.38 11,093.30 Borrowings 1,170.95 1,249.94 1,262.92 Other liabilities 919.06 1,155.41 1,190.57 Total liabilities 21,238.39 23,725.31 24,324.26 • Credit/deposit ratio of 87.5% on the domestic balance sheet at Jun 30, 2026 (Mar 31, 2026: 85.5%; Jun 30, 2025: 83.8%) 44 Composition of borrowings (₹ billion) Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Domestic 946.67 979.08 963.82 1 1 - Capital instruments 29.64 53.73 53.72 - Other borrowings 917.03 925.35 910.10 - Long term infrastructure bonds 417.69 417.69 352.69 - Refinance 389.23 419.14 474.39 Overseas borrowings 224.28 270.86 299.10 Total borrowings 1,170.95 1,249.94 1,262.92 slide 12 1. The Bank has issued Basel III compliant Tier II bonds amounting to ₹ 10.00 billion during Q1-2026 and ₹ 49.45 billion in FY2026 45 Consolidated balance sheet (₹ billion) Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Cash & bank balances 1,968.21 2,649.81 1,964.93 Investments 9,058.84 8,707.20 9,393.00 Advances 14,455.93 16,446.58 17,293.28 Fixed & other assets 1,203.38 1,341.39 1,372.86 Total assets 26,686.36 29,144.98 30,024.07 Net worth 3,296.15 3,630.61 3,805.30 Minority interest 158.14 165.11 175.33 Deposits 16,411.37 18,300.20 18,703.63 Borrowings 2,151.49 2,202.64 2,263.18 Liabilities on policies in force 3,081.20 2,964.99 3,146.92 Other liabilities 1,588.01 1,881.43 1,929.71 Total liabilities 26,686.36 29,144.98 30,024.07 slide 12 46 Branch and ATM network Branches Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, % share at 2022 2023 2024 2025 2026 2026 Jun 30, 2026 Metro 1,567 1,709 1,907 2,079 2,356 2,394 31.5% Urban 1,074 1,160 1,310 1,422 1,507 1,515 19.9% Semi urban 1,599 1,712 1,838 1,905 1,956 1,968 25.9% Rural 1,178 1,319 1,468 1,577 1,692 1,731 22.8% Total branches 5,418 5,900 6,523 6,983 7,511 7,608 100.0% Total ATMs and 16,609 16,650 17,190 16,285 12,087 12,190 CRMs1 slide 12 1. Cash Recycling Machines 47 Balance sheet: assets (₹ billion) Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Cash & bank balances 1,645.98 2,303.35 1,630.47 Investments 5,077.07 4,922.17 5,385.34 - SLR investments 3,920.27 3,878.65 4,255.10 - Equity investment in subsidiaries 191.46 220.26 220.29 Advances 13,641.57 15,538.93 16,312.60 Fixed & other assets 873.77 960.86 995.85 -RIDF1 and related 127.93 103.66 97.02 Total assets 21,238.39 23,725.31 24,324.26 1. Rural Infrastructure Development Fund 48 Equity investment in subsidiaries (₹ billion) Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 ICICI Prudential Life Insurance 32.75 32.75 32.75 ICICI Lombard General Insurance 46.50 46.50 46.50 ICICI Bank Canada 9.96 9.96 9.96 ICICI Bank UK 9.70 9.71 9.71 ICICI Home Finance 18.62 23.62 23.62 ICICI Securities Limited 71.27 71.42 71.45 ICICI Securities Primary Dealership 1.58 1.58 1.58 ICICI Prudential AMC 0.61 22.01 22.01 ICICI Venture Funds Management 0.05 0.05 0.05 I-Process Services 0.13 0.13 0.13 ICICI Pension Funds Management 1 - 2.04 2.04 Others 0.29 0.49 0.49 Total 191.46 220.26 220.29 1. The Bank acquired 100% shareholding in ICICI Pension Fund Management Limited from ICICI Prudential Life Insurance for consideration of ₹ 2.04 bn slide 14 49 Portfolio composition Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Domestic 95.2% 94.8% 94.5% International 4.8% 5.2% 5.5% Total consolidated advances (₹ billion) 14,456 16,447 17,293 slide 14 50 Retail and rural NPAs Jun 30, Mar 31, Jun 30, ₹ in billion 2025 2026 2026 Gross retail and rural NPAs 132.96 117.17 122.55 - as a % of gross advances 1.65% 1.31% 1.33% Net retail and rural NPAs 43.58 35.61 38.16 - as a % of net advances 0.55% 0.40% 0.42% slide 17 51 Sector-wise exposures Top 10 sectors1,2: % of total Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, exposure of the Bank 2022 2023 2024 2025 2026 2026 Retail finance 35.9% 37.9% 39.1% 37.4% 36.1% 35.2% Services – finance 9.1% 8.9% 8.1% 8.1% 7.1% 7.6% Wholesale/retail trade 4.2% 5.1% 5.8% 6.5% 7.0% 6.9% Services - non finance 3.1% 3.4% 3.7% 4.4% 4.8% 4.8% Banks 7.9% 6.0% 4.5% 4.9% 4.8% 4.6% Rural 4.7% 4.5% 4.6% 4.2% 3.9% 3.9% Electronics & engineering 4.3% 4.0% 4.0% 4.4% 3.9% 3.9% Construction 2.4% 2.4% 2.4% 2.7% 3.3% 3.2% Crude petroleum/refining & 4.1% 3.8% 3.5% 2.8% 3.1% 2.9% petrochemicals Real estate 2.2% 2.4% 2.5% 2.6% 2.9% 2.9% Road, port, telecom, urban 3.2% 3.0% 3.0% 3.2% 2.9% 2.9% development & other infra of which: Telecom 1.4% 1.4% 1.3% 1.1% 0.7% 0.7% Total (₹ billion) 16,648 20,245 23,840 27,005 31,235 32,913 slide 26 1. Top 10 based on position at Jun 30, 2026 2. Previous period numbers have been re-classified 52 Consolidated capital adequacy Basel III (%) Jun 30, Mar 31, Jun 30, 20251 20261,2 20261,2 Total capital 16.75% 17.05% 16.75% - Tier I 16.11% 16.25% 16.11% - of which: CET 1 16.11% 16.25% 16.11% - Tier II 0.64% 0.80% 0.64% slide 31 1. Including profits for the period 2. After reckoning the impact of proposed/ assumed dividend 53 Insurance entities ICICI Life (₹ billion) FY2026 Q1-2026 Q4-2026 Q1-2027 Annualised premium equivalent 106.41 18.64 38.30 21.36 - Of which: protection 19.06 4.09 6.13 5.96 Assets under management 3,136.34 3,244.89 3,136.34 3,338.18 Cost1/Total premium 18.2% 21.2% 16.4% 21.8% ICICI General (₹ billion) FY2026 Q1-2026 Q4-2026 Q1-2027 Gross written premium 306.18 80.53 80.74 88.60 Combined ratio 103.4% 102.9% 101.2% 107.2%3 Return on average equity2 17.8% 20.5% 13.3% 9.6%3 1. Total cost including commission and excluding interest on sub-debt 2. Annualised for all interim periods 3. Includes impact of increase in claim reserves pursuant to recent judicial pronouncements 54 ICICI Bank UK (USD million) FY2026 Q1-2026 Q4-2026 Q1-2027 Net interest income 67.2 17.0 16.7 16.9 Operating profit 31.6 8.2 9.2 9.9 Loans and advances 1,483.7 1,167.5 1,483.7 1,664.6 Deposits 2,248.3 2,045.1 2,248.3 2,232.3 - Retail term deposits 578.8 502.1 578.8 672.2 Capital adequacy ratio 19.7% 21.8% 19.7% 18.9% - Tier I 17.1% 18.9% 17.1% 16.4% 1 Net impaired loans 2.3 - 2.3 2.3 1. Represents insignificant number 55 ICICI Bank UK1 Asset profile Liability profile 2 Total assets: USD 3.00 bn Total liabilities: USD 3.00 bn 1. At Jun 30, 2026 2. Includes cash & cash equivalents and T Bills 56 ICICI Bank Canada (CAD million) FY2026 Q1-2026 Q4-2026 Q1-2027 Net interest income 78.8 22.3 16.7 16.8 Operating profit 36.3 11.4 6.3 8.0 Loans and advances 4,173.8 4,115.4 4,173.8 4,235.9 - Residential mortgages 2,438.4 2,498.3 2,438.4 2,359.6 Deposits 2,639.1 2,793.8 2,639.1 2,756.3 Capital adequacy ratio 18.6% 19.6% 18.6% 18.4% - Tier I 18.3% 19.1% 18.3% 18.1% Net impaired loans 30.8 21.8 30.8 31.0 57 ICICI Bank Canada1 Asset profile Liability profile 2 4 3 Total assets: CAD 4.94 bn Total liabilities: CAD 4.94 bn 1. At Jun 30, 2026 2. Includes government securities and cash & placements with banks 3. Insured mortgages include CAD 1,396.6 million of securitised mortgages at Jun 30, 2026 (Mar 31, 2026 : CAD 1,503.6 million ) 4. As per IFRS, proceeds of CAD 1,385.1 million at Jun 30, 2026 (Mar 31, 2026: CAD 1,491.8 million) on securitisation of residential mortgages are considered a part of borrowings 58 ICICI Home Finance1 (₹ billion) Jun 30, Mar 31, Jun 30, 2025 2026 2026 Loans and advances 290.31 321.12 335.28 Gross impaired loans (stage 3) 4.77 4.51 4.27 Net impaired loans (stage 3) 3.17 3.02 2.81 Capital adequacy ratio 19.5% 20.5% 20.0% slide 33 1. As per Ind AS 59