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ICICI Bank Review Apr 13' - Sep 13'

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by

Harsh Kumar

on 10 December 2013

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Transcript of ICICI Bank Review Apr 13' - Sep 13'

ICICI Bank Finacncial Review Apr 13' - Sep 13'
Who is ICICI
The Bank is a diversified financial services group

commercial banking
retail banking
project and corporate finance
working capital finance
insurance
venture capital
private equity
investment banking
broking and treasury products and services.
financials
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.
April
2002
ICICI Bank promoted by ICICI
1994
Public offering of shares in India
1998
ICICI's shareholding was reduced in ICICI Bank to 46%
I
ndustrial
C
redit and

I
nvestment
C
orporation of
I
ndia
1955
Formed at the initiative of the World Bank, the Government of India and representatives of Indian industry
2008
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
19.56 bn
20.2%
Q2-2014 (July-Sep 13)
23.52 bn
Q2 2013 (July-Sep 12)
25.3%
Q1 2013 (April (Apr-June 12)
18.15 bn
Q1 2014 (Apr-June 13)
22.74 bn
ICICI Bank
ICICI

ICICI Personal Financial Services Limited
ICICI Capital Services Limited
ICICI Bank
1955
first meeting
BASEL
PILLAR III
DISCLOSURES

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
8%
A new capital adequacy framework led to the release of the Revised Capital Framework in June 2004 known as
"Basel II"
It comprised 3 Pillars
Pillar 1:
Minimum capital requirements
for
Credit risk
Market risk
Operational risk
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
capital
risk-weighted assets
Lehman Brothers
2008
housing bubble meltdown
11.50%
Minimum capital ratio of
capital
risk-weighted assets
Capital Adequacy Ratio
Operational
Market
Credit
427,236.1
33,187.6
31,238.5
Requirement (I+II+III) 491,662.1
Tier 2 : Supplementary Capital
Undisclosed reserves
Fixed assets revaluation reserves
General provisions/general loan loss reserves
Subordinated debt
Tier 1 : Core Capital
paid up capital/assigned capital
share premium
statutory reserve
surplus arising from sale of fixed assets
general reserve
other disclosed free reserves
Capital management

Capital required for credit risk

427,236.1
for portfolio subject to standardised approach 410,855.6
for securitisation exposure 16,380.5
Capital required for market risk

33,187.6
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

31,238.5
Total capital requirement (I+II+III) 491,662.1
Total capital funds of the Bank
936,664.9
Total risk weighted assets 5,462,912.8
Capital adequacy ratio
17.15%
CAPITAL ADEQUACY
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
customer categories
target customer profile
credit approval process and limits

The Credit Policy is approved by the Board of Directors.


Credit Risk

Advances (Loans and credit susbtitutes)
Performing Assets
Non-Performing Assets (NPAs) 90 days
Sub-standard (15 months)
Doubtful (15+ months)
Loss Assets (Guarantee Damaged)
Sep 2013

Jun 2013

Mar 2013
0.73%

0.69%

0.64%
Net NPA of ICICI
Key Ratios
In line with the RBI guidelines, an independent
Operational Risk Management Group (ORMG)

was setup.

The Bank’s operational risk management
governance and framework is defined in the Policy.
2006
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
interest rates
exchange rates
credit spreads
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.
Balance sheet
Profit & Loss
Thank you
Group 2
CASA = Current Account : Savings account
Full transcript