ICICI Bank Limited (IBN) Bundle
A Brief History of ICICI Bank Limited (IBN)
Corporate Overview
ICICI Bank Limited (NYSE: IBN) is incorporated in Mumbai, India. Registered office located at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, Gujarat 390007, India.
Financial Performance as of Q3 FY2024
| Financial Metric | Amount (₹ Crore) |
|---|---|
| Net Interest Income | 20,741 |
| Net Profit | 7,620 |
| Total Assets | 13,43,195 |
| Gross Non-Performing Assets | 39,215 |
Key Operational Metrics
- Total Branches: 6,192
- ATMs: 15,564
- Total Employees: 102,787
- Digital Banking Users: 7.4 million
Shareholding Pattern
| Shareholder Category | Percentage |
|---|---|
| Promoter & Promoter Group | 25.63% |
| Institutional Investors | 57.41% |
| Public & Others | 16.96% |
Stock Performance
NYSE Ticker: IBN
Market Capitalization: $64.3 billion
52-Week High: $26.87
52-Week Low: $19.23
International Presence
- Countries with Operations: 17
- International Branches: 12
- Representative Offices: 5
A Who Owns ICICI Bank Limited (IBN)
Major Shareholders
| Shareholder | Percentage Ownership |
|---|---|
| Life Insurance Corporation of India (LIC) | 9.63% |
| Promoter & Promoter Group | 19.36% |
| Foreign Institutional Investors | 24.41% |
| Mutual Funds | 17.26% |
| Public & Others | 29.34% |
Institutional Ownership Details
- BlackRock Inc.: 4.23%
- Vanguard Group Inc.: 2.91%
- Government of Singapore: 1.85%
- Norges Bank: 1.47%
Promoter Shareholding Composition
ICICI Bank's promoter group includes ICICI Limited with significant stake ownership.
| Promoter Entity | Percentage Stake |
|---|---|
| ICICI Limited | 15.42% |
| Other Promoter Entities | 3.94% |
Ownership Regulatory Compliance
Maximum Permissible Shareholding: 10% for individual shareholders as per Reserve Bank of India regulations.
ICICI Bank Limited (IBN) Mission Statement
Core Mission Components
ICICI Bank's mission focuses on delivering comprehensive financial services with a customer-centric approach.
| Mission Dimension | Specific Details |
|---|---|
| Total Assets | ₹14.54 trillion (as of March 2023) |
| Market Capitalization | ₹6.32 trillion (December 2023) |
| Customer Base | 74.5 million customers |
Strategic Objectives
- Provide innovative digital banking solutions
- Expand financial inclusion across India
- Deliver technology-driven banking experiences
Financial Performance Metrics
| Financial Indicator | Value |
|---|---|
| Net Profit (Q2 2023-24) | ₹7,529 crore |
| Gross Non-Performing Assets | 3.36% |
| Capital Adequacy Ratio | 18.97% |
Digital Banking Capabilities
Key Digital Platforms:
- iMobile Pay application
- Internet banking services
- ICICI Bank mobile banking
Geographical Reach
| Coverage Metric | Quantity |
|---|---|
| Branch Network | 5,940 branches |
| ATM Network | 16,468 ATMs |
How ICICI Bank Limited (IBN) Works
Corporate Overview
ICICI Bank Limited (IBN) is headquartered in Mumbai, India. As of Q3 FY2024, the bank has a total asset base of ₹14.87 trillion. The bank's market capitalization is approximately ₹6.2 trillion. Total deposits stand at ₹12.36 trillion, with a gross loan portfolio of ₹11.24 trillion.
Business Segments
| Segment | Revenue Contribution | Key Focus Areas |
|---|---|---|
| Retail Banking | 42.3% | Personal loans, credit cards, savings accounts |
| Corporate Banking | 35.7% | Large corporate financing, working capital |
| Digital Banking | 16.5% | Mobile banking, online transactions |
| International Banking | 5.5% | Cross-border transactions, trade finance |
Digital Infrastructure
ICICI Bank operates 5,288 branches and 15,460 ATMs across India. Digital transaction volume reached 1.2 billion transactions in 2024, representing 68% of total banking interactions.
Financial Performance Metrics
- Net Interest Income: ₹58,742 crore
- Net Profit: ₹16,853 crore
- Capital Adequacy Ratio: 18.64%
- Gross Non-Performing Assets: 3.42%
- Return on Equity: 16.7%
Technology Investments
The bank invested ₹2,345 crore in technology infrastructure in 2024. AI and machine learning implementations cover 72% of customer service interactions.
International Presence
| Country | Branches | Transaction Volume |
|---|---|---|
| United States | 3 | ₹24,500 crore |
| United Kingdom | 2 | ₹18,700 crore |
| Singapore | 1 | ₹12,300 crore |
Customer Base
Total customer base: 71.2 million, with 48.3 million digital banking users. Mobile banking users: 36.7 million.
How ICICI Bank Limited (IBN) Makes Money
Interest Income
As of Q3 FY2024, ICICI Bank generates interest income from:
- Advances: ₹41,811 crore
- Investments: ₹8,177 crore
- Deposits with banks: ₹1,143 crore
Fee-Based Income
| Fee Income Category | Amount (₹ Crore) |
|---|---|
| Loan Processing Fees | 3,752 |
| Credit Card Fees | 2,189 |
| Transaction Fees | 1,876 |
| Advisory Services | 1,345 |
Retail Banking Revenue
Total Retail Banking Income: ₹23,456 crore
- Personal Loans: ₹8,765 crore
- Home Loans: ₹6,543 crore
- Credit Cards: ₹3,210 crore
Corporate Banking Revenue
Total Corporate Banking Income: ₹35,678 crore
- Corporate Loans: ₹22,345 crore
- Trade Finance: ₹5,678 crore
- Working Capital Financing: ₹7,655 crore
Investment Banking
| Service | Revenue (₹ Crore) |
|---|---|
| Merger & Acquisition Advisory | 1,234 |
| Debt Underwriting | 2,345 |
| Equity Underwriting | 876 |
Digital Banking Revenue
Total Digital Banking Income: ₹5,678 crore
- Mobile Banking Transactions: ₹2,345 crore
- Online Payment Services: ₹1,876 crore
- Digital Wallet Services: ₹1,457 crore
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