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Organizat ion stru ctu reWorking Procedu re

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ICICI Bank today

Large capital base

Vast talent pool

Low operating costs

Technology focus

Strong corporaterelationships

2

Indias largestprivate sector b ank

and one stop

f inancia l solut ion s

prov ider with a

diversi f ied

and de-r isked

bus iness

model

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3

Organ izat ion Struc ture

Retail Banking

Wholesale Banking

Project Finance and Special Assets

Management

International Business

Corporate Centre

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4

Mr. K. V. Kamath, Chairman

Mr. Sridar Iyengar

Dr. Swati PiramalMr. Homi R. Khusrokhan

Mr. Arvind Kumar

Mr. M.S. RamachandranDr. Tushaar Shah

Mr. V. Sridar

Board Members

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5

Ms. Chanda Kochhar,

Managing Director & CEO

Mr. N. S. Kannan,Executive Director & CFO

Mr. K. Ramkumar,Executive Director

Mr. Rajiv Sabharwal,

Executive Director

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6

What was the

MAGIC that fo rced

ICICI to come in

Retai l Sec to r?

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7

7

Magic that forced ICICI to come inConsumer Segment

Est imates b ased on NCAER data. Consuming classcompr ises m idd le and high incom e households

Consumingclass population

estimated atabout 260 mn1

Consumingclass population

estimated atabout 350 mn1

2000: Per capitaincome Rs16,173

2007: Per capita

income Rs24,295

35%

growth

From per capita GDP of US$ 1,000 to US$ 1,500:consuming population to grow manifold

Consumingclass population

estimated atabout 600 mn1

2015: Per capita

income Rs36,442

70%

growth

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8

What were ICICI

Strateg ies to Cap tu reun tapped market?

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ICICI Banks consumer finance strategy

Soundselling

strategy

Multiproductofferings

Multichannelofferings

Pan-Indiaprovider offull suite of

retail

products

Efficientoperations

S

trong

B

ra

nd

Focus on cross selling

The one stop financialshop

Product differentiation

Technology leddelivery of products

Superior servicequality at optimum

cost

Aspirations

Marketleadership

&

Scale

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10

Establishing consumer credit distribution

Doorstep delivery

Agents taking productto the customer

Availability of credit atthe customers home or

office

Point-of-sale delivery

Strong channel partnernetwork

Manufacturers,dealers, realtors

Availability of credit atpoint-of-sale of product

Enhanced customer convenience

the key selling proposition

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11

Before 1999Particulars

6Branches/ Offices

3,000Customer Base

Single productProduct Portfolio

ATMs -

and achieving economies of scale.

Employee Base 1,000

Internet customers -

Now

2044

31 Mn

complex retail &corporate finance

products

5546

>35000

>18.3 Mn

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Is i t poss ible to manage excel lency

in such a COMPLEX system?

12

Then

What d id ICICI do to manage sucha COMPLEX system?

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Operational excellence

13

Prudent credit

policies

Adequate fraudcontrol

Rigorouscollection

mechanism

6 sigma