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ICICI Bank Review Apr 13' - Sep 13'
Transcript of ICICI Bank Review Apr 13' - Sep 13'
Who is ICICI
The Bank is a diversified financial services group
project and corporate finance
working capital finance
broking and treasury products and services.
Industrial Credit and Investment Corporation of India
after the merger, the combined entity was the second-largest bank in India, with an asset base of over Rs. 1 trillion.
ICICI Bank promoted by ICICI
Public offering of shares in India
ICICI's shareholding was reduced in ICICI Bank to 46%
Formed at the initiative of the World Bank, the Government of India and representatives of Indian industry
Following the financial crisis, customers rushed to ICICI ATMs and branches in some locations due to rumours of adverse financial position of ICICI Bank.
The Reserve Bank of India issued a clarification.
standalone profit after tax
Q2-2014 (July-Sep 13)
Q2 2013 (July-Sep 12)
Q1 2013 (April (Apr-June 12)
Q1 2014 (Apr-June 13)
ICICI Personal Financial Services Limited
ICICI Capital Services Limited
in February 1975
In Sep 2010, the Group
of Governors and Heads of Supervision announced higher global minimum capital standards for commercial banks.
This followed an agreement reached in July regarding design of the capital and liquidity reform package, now referred to as "Basel III"
A capital measurement system referred to as the Basel Capital Accord (or the 1988 Accord) was approved by the G10 Governors and released to banks
A new capital adequacy framework led to the release of the Revised Capital Framework in June 2004 known as
It comprised 3 Pillars
Minimum capital requirements
Pillar 2: Supervisory review of capital adequacy
The Basel Committee is the primary global standard-setter for the prudential regulation of banks and provides a forum for cooperation on banking supervisory matters.
Pillar 3: Market discipline
Minimum capital ratio of
housing bubble meltdown
Minimum capital ratio of
Capital Adequacy Ratio
Requirement (I+II+III) 491,662.1
Tier 2 : Supplementary Capital
Fixed assets revaluation reserves
General provisions/general loan loss reserves
Tier 1 : Core Capital
paid up capital/assigned capital
surplus arising from sale of fixed assets
other disclosed free reserves
Capital required for credit risk
for portfolio subject to standardised approach 410,855.6
for securitisation exposure 16,380.5
Capital required for market risk
for interest rate risk 25,585.4
for foreign exchange (including gold) risk 819.3
for equity position risk 6,782.9
Capital required for operational risk
Total capital requirement (I+II+III) 491,662.1
Total capital funds of the Bank
Total risk weighted assets 5,462,912.8
Capital adequacy ratio
All credit risk related aspects are governed by Credit and Recovery Policy (Credit Policy).
Credit Policy outlines the
type of products that can be offered
target customer profile
credit approval process and limits
The Credit Policy is approved by the Board of Directors.
Advances (Loans and credit susbtitutes)
Non-Performing Assets (NPAs) 90 days
Sub-standard (15 months)
Doubtful (15+ months)
Loss Assets (Guarantee Damaged)
Net NPA of ICICI
In line with the RBI guidelines, an independent
Operational Risk Management Group (ORMG)
The Bank’s operational risk management
governance and framework is defined in the Policy.
The Policy also specifies the
composition, roles and responsibilities of
Operational Risk Management Committee (ORMC)
The key elements in the operational risk management framework as defined in the Policy include:
Identification and assessment of operational risks and controls;
New product and processes approval framework;
Measurement through incident and exposure reporting;
Monitoring through key risk indicators; and
Mitigation through process and controls enhancement and insurance.
Market risk is the possibility of loss arising from changes in the value of a financial instrument as a result of changes in market variables such as
other asset prices
The market risk for the Bank is managed in
accordance with the Investment Policy and Derivatives Policy which are approved by the Board.
Profit & Loss
CASA = Current Account : Savings account