Performance Review: Q July 25, 2003

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1 Performance Review: 2004 July 25,

2 Highlights 34% increase in profit after tax to Rs bn compared to Rs bn in Net interest margin improved to 1.7% for 2004 compared to 1.4% for FY Equity capital gains of Rs bn Capitalising on favourable market conditions to unlock value from historic long term investment portfolio 2

3 Highlights Sustained growth in retail portfolio, now constituting 35% of customer assets Net NPA ratio at 4.9% after compliance with 90- day norm Deposit growth of 12% in the quarter Deposits constitute 57% of funding About Rs bn of erstwhile ICICI borrowings repaid in

4 Profit & loss statement (Rs. in billion) FY Q Interest income Interest expense NII Non-interest income Fee income Treasury Of which: Equity Lease income Others Operating income Dividend on mutual fund Rs bn excluded from NII and included in treasury 4

5 Profit & loss statement FY (Rs. in billion) Q4- Q Operating income Operating expenses Other DMA expense Lease depreciation Operating profit

6 Profit & loss statement (Rs. in billion) FY Q Operating profit Profit on sale of shares Less: - Provisions incl. addl. provision on loans Writeback on loans (4.04) (0.57) (1.86) (0.55) - Provisions/(writeback) on investments 0.61 (0.02) 0.23 (0.40) - Tax, net of deferred tax (4.26) 0.29 (0.13) 0.41 Profit after tax

7 Balance sheet: Assets (Rs. in billion) Mar 31, 2002 Mar 31, Jun 30, Cash, balances with banks & SLR Cash & bank balances SLR investments Advances Of which : Retail Debentures & bonds Other investments Fixed assets Other assets Total assets 1, , ,

8 Retail constitutes 21% of balance sheet Asset composition March June 18% 21% 9% Retail finance 17% 9% 4% Project finance 19% Corporate finance 4% Reserves & cash Investments 1 20% Other assets 18% 30% 31% Rs. 1, billion Rs. 1, billion 1. Includes advance tax, deferred tax & other current assets 8

9 Balance sheet: Liabilities (Rs. in billion) Mar 31, 2002 Mar 31, Jun 30, Net worth Equity capital Reserves Preference capital Deposits Savings & savings linked Current & current linked Term ICICI borrowings Other borrowings Other liabilities Total liabilities 1, , , Includes value-added added accounts linked to savings and current accounts. 9

10 Key ratios (Per cent) FY 2004 Return on assets Return on net worth EPS (Rs.) NIM Cost of deposits Cost to income Book value per share (Rs.)

11 Capital adequacy Mar 31, Jun 30, Rs. bn % Rs. bn % Total capital Tier I Tier II Total risk weighted assets Deferred tax asset netted off as per RBI guidelines Rs bn at June 30, and Rs bn at March 31,. This treatment had a negative impact of 59 basis points on Tier-1 capital adequacy at June 30,. 11

12 Consolidated profits and subsidiaries (Rs. in billion) FY Q standalone profit Add: - ICICI Securities ICICI Prudential Life (1.09) (0.25) (0.18) (0.26) Less: - Dividend and other adjustments Consolidated profit

13 Performance of key subsidiaries (Rs. in million) Key subsidiaries Profit after tax FY Q ICICI Securities 1 1, ICICI Prudential (1,471) (335) (234) (351) ICICI Lombard 33 (32) Consolidated 13

14 Asset quality and provisioning (Rs. in billion) March 31, June 30, Gross NPAs Less: cumulative write-offs Less: cumulative provisions Net NPAs Provision cover on NPAs 62.6% 63.1% Net NPA ratio at 4.9%, based on 90-day norm Net restructured assets at Rs bn 5.5% provisioning coverage against performing corporate portfolio 14

15 Top 10 industry-wise exposure (% to total) Industry March 31, June 30, Retail finance Power Iron & steel Telecom Textiles Other services Engineering Financial services Crude petroleum & refining Petrochemicals Total exposure (Rs. bn) ) Exposure is net of write-offs and provisions 15

16 Top 10 industry-wise net NPLs (% to total) Industry March 31, June 30, Textiles Iron & Steel Chemicals Man-made fibres Engineering Metal & metal Products Services Paper & paper products Food-processing Petrochemicals

17 Shareholding pattern June 30, 8.9% 4.9% 1.6% 26.1% ADR FIIs & NRIs 18.7% Banks, FIs & UTI Resident Indians Bodies Corporate Other Mutual Funds 39.8% Paid-up capital Rs billion 17

18 Thank you 18

19 Interest income FY Q4- (Rs. in billion) 2004 Rs. bn Advances Investments Balances with RBI, banks and others Total interest income Interest income is net of HTM premium amortisation of Rs bn (: Rs bn; Q4-: Rs bn; FY: Rs bn) Auto loan DMA commission of Rs bn (: Rs bn; Q4-: Rs bn; FY: Rs bn) 1. Excludes dividend on mutual fund Rs bn 19

20 Interest expense FY (Rs. in billion) Q Rs. bn Deposits RBI / inter-bank borrowings Bonds, ICICI borrowings & others Total interest expense

21 Operating expenses (Rs. in billion) FY Q4- Q Salary Rents, taxes & lighting Printing & stationery Postage & courier Repairs & maintenance Insurance Bank charges Depreciation Others Operating expenses

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