ICICI Bank At A Glance
` 13..77 trillion
Consolidated Total Assets
` 268.08 billion
Core Operating Profit*
16.11 %
Total Capital Adequacy Ratio
42.7 %
Average CASA ratio*
3.73 %
Net Interest Margin*
53.3 %
Retail portfolio as a proportion of total portfolio (including non‑fund based outstanding)
Growth in Domestic Loan Y-o-Y
Growth in Term Deposits Y-o-Y

*During fiscal 2020; others at March 31, 2020


ICICI Bank launched ‘ICICIStack’, the most comprehensive digital infrastructure available in the banking industry in India. It enables millions of retail customers and businesses to continue uninterrupted banking services digitally, without visiting any bank branch.


‘InstaBIZ’ is the country’s first digital banking platform that helps the self-employed segment and businesses to undertake almost all their banking transactions in one single place. It allows customers to avail over 115 products and services in a digital and secure manner on their mobile phone and on the Bank’s internet banking platform.


ICICI Bank's mobile banking application, iMobile, offers over 270 services. The app has emerged as the leader among mobile banking apps in India in a report by Forrester, a marquee American research firm.


Over 88% of savings account transactions were done through digital channels during fiscal 2020.


Network of over 21,000 branches and ATMs at March 31, 2020.

Best Company to Work For

Business Today magazine ranked ICICI Bank as the 'Best Company to Work For' in the BFSI sector for the fourth year in a row.

India’s first ‘Net Zero Energy - Platinum’ rated building

ICICI Rural Self-Employment Training Institute inaugurated India’s first IGBC* rated ‘Net Zero Energy - Platinum’ building in Jodhpur.


ICICI Foundation for Inclusive Growth has skilled over 520,000 underprivileged individuals till March 31, 2020.

* The Indian Green Building Council (IGBC), part of the Confederation of Indian Industry (CII), is the country’s premier body for green building certification.The ratings are awarded based on assessment of energy efficiency, use of renewable energy, water conservation, waste management, indoor air quality and sustainable sourcing of material. IGBC rating levels (in ascending order) are: Certified, Silver, Gold and Platinum.

ICICI Bank is a large private sector bank in India offering a diversified portfolio of financial products and services to retail, SME and corporate customers. The Bank has an extensive network of branches, ATMs and other touchpoints. It is at the forefront of leveraging technology and offering services through digital channels like mobile and internet banking.


To be the trusted financial services provider of choice for our customers, thereby creating sustainable value for our stakeholders

To grow our risk-calibrated core operating profit by:
  • Delivering products and services that create value for customers
  • Bringing together all our capabilities to seamlessly meet customer needs
  • Conducting our business within well-defined risk tolerance levels
Key Business Areas

Providing financial solutions for every customer

We offer deposit, credit and other financial products and services to individuals, households and small businesses across India, through digital channels and extensive branch network spanning urban and rural areas. We also offer select products like deposits and remittances to non-resident Indians, and local market offerings in select international geographies.
We offer financial solutions to large and medium sized companies and their business and channel partners, and to financial and government/public sector entities. The product offerings include deposits, long-term finance, working capital, trade, cash management, transaction banking and treasury management. In addition to our network in India, we leverage our international presence to meet the cross-border requirements of our clients.
Our treasury operations comprise management of the Bank’s liquidity, government securities portfolio and interest rate risk, proprietary trading, and foreign exchange and derivative solutions for clients.
Financial Highlights
Message from the Chairman

The performance in fiscal 2020 has also ensured value-creation for all stakeholders, including shareholders and customers. This has been achieved despite a challenging operating environment for the Indian banking industry.

Girish Chandra Chaturvedi

Message from the Wholetime Directors and President

Sandeep Bakhshi

Managing Director & CEO

Anup Bagchi

Executive Director

Sandeep Batra


Vishakha Mulye

Executive Director

Business Model
Strategic Focus Areas for Business

ICICI Bank is focussed on building and nurturing a leading, future-ready organisation with the customer at the core.

The strategic focus of the Bank during fiscal 2020 was to continue to grow its core operating profits in a risk-calibrated and granular manner. This was driven by the objective of ‘One Bank, One ROE’, that enabled synergies across businesses. Further, the principle of 'Fair to Customer, Fair to Bank' emphasising the need to deliver fair value to customers while creating value for shareholders, guides the Bank’s operations. The underlying pillars of leveraging digital, a customer-centric and service-oriented approach, simplification of processes and enhancing customer experience were factors that were common across all businesses.


  • Retail, Rural and SME Banking
  • Wholesale Banking
  • International Business
  • Government Banking


Understanding customer expectations and responding through appropriate products and services has been central to the Bank’s strategy. The demand for convenience, speed and customised solutions with quick turnaround and innovative solutions requires a dynamic culture in the Bank. The concept of customer satisfaction has now been replaced by ‘delight’ in banking experience. The Bank has embraced and built upon this transition while being committed to the core principle of 'Fair to Customer, Fair to Bank'.


The Bank’s technology initiatives are aimed at enhancing value and offering customers greater convenience and improved service levels while optimising costs. The Bank continues to invest in key technological areas like mobility, cognitive intelligence, blockchain, natural language processing, machine learning, API banking, micro-services, cloud, ecosystem synergies, Robotics Process Automation (RPA) and other new-age technologies that provide an edge to the Bank’s offerings to its customers and deliver its strategic objectives.

Risk Governance Framework

ICICI Bank is committed to managing its risk in a manner that furthers the goal of achieving risk-calibrated, sustainable growth.

Human Capital

ICICI Bank is creating a future ready workforce,that focusses on customer centricity in its approach and is skilled with a 360 degree business orientation.

Social and Relationship Capital

ICICI Bank is committed to maintaining a transparent and ethical relationship with all its stakeholders including customers, government organisations and communities.

Natural Capital

ICICI Bank is committed to managing its environmental footprint to create a positive impact on the environment and support a low-carbon economy.