Profit After Tax*
Profit Before Tax Excluding Treasury Gains*
Net Interest Income*
Net Interest Margin*
Standalone Total Assets
Total Deposits
Total Advances
Total Capital Adequacy Ratio
*During fiscal 2023; others at March 31, 2023
iMobile Pay, ICICI Bank's mobile banking application, has more than 28 million users. The total value of transactions done through this app stood at close to ₹ 9,000 billion in fiscal 2023.
ICICI Bank has over 1.5 million active users on its business banking app, InstaBIZ. Around 225,000 non-ICICI Bank account holders registered on this app. Value of financial transactions on InstaBIZ grew by 22% in fiscal 2023.
Retail credit card spends grew by 60% in fiscal 2023 compared to the previous year.
Current Account (₹ in billion)
Savings Account (₹ in billion)
Term Deposit (₹ in billion)
Total (₹ in billion)
Retail
Rural Loans
Business Banking
Domestic Corporate & SME
Overseas
Total (₹ in billion)
Net Worth (Equity Share Capital, Reserves and Surplus) (₹ in billion)
Tier I
Tier II
Common Equity Tier 1
Total
Net Interest Income (NII) (₹ in billion)
Net Interest Margin (NIM)
Provision coverage ratio (specific provisions as a percentage of gross NPAs)
Net NPA Ratio (based on customer assets)
Profit Before Tax (₹ in billion)
Standalone Net Profit (₹ in billion)
During fiscal 2023, the Bank continued to focus on profitable growth in business while maintaining a strong balance sheet and robust liquidity. The Bank delivered a healthy growth in profit along with improvement in asset quality parameters.
One of the leading private sector banks in India, ICICI Bank continues to focus on reimagining banking and leveraging digital capabilities, anchored to our commitment to be a trusted financial partner for our customers.
As our customer engagement deepened, the Bank aimed to further enhance digital delivery of products and services, offering comprehensive banking solutions with a sharp focus on efficiency and risks.
The Bank lays strong emphasis on risk and compliance, and creating awareness among employees on the core values and desired behaviour. Employees are expected to act in accordance with the highest professional and ethical standards.
With a focus on responsible and sustainable growth, the Bank continuously endeavours to maintain effective governance, a strong risk culture and robust enterprise risk management framework.
The Bank recognises the importance of adopting a rigorous approach to understanding and responding to risks and opportunities that enables long-term value creation for all stakeholders.
Five-step approach for assessing material issues involved:
Stakeholder identification
Identifying the universe of relevant ESG topics
Stakeholder consultation
Data collection and analytics
Calibration of results
The Bank's human resources and cultural anchors are critical to driving the success of its business.
An ongoing engagement with our stakeholders is important for the Bank to understand matters relevant to them and create sustainable value for all.
The Bank is committed to adapting to emerging trends that will shape the nation's transition to a low-carbon economy, with appropriate assessment of risks and opportunities in delivering on the objectives.
