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1 2 ICICI Bnk Limited CIN-L65190GJ1994PLC Registered Office: ICICI Bnk Tower, Ner Chkli Circle, Old Pdr Rod, Vdodr Corporte Office: ICICI Bnk Towers, Bndr-Kurl Complex, Bndr (Est), Mumbi Web site: UNCONSOLIDATED FINANCIAL RESULTS Yer ended June 30, Mrch 31, June 30, Mrch 31, Prticulrs (Q1-2019) (Q4-) (Q1-) (FY) (Audited) (Audited) (Audited) (Audited) 1. Interest erned ()+(b)+(c)+(d) 14, , , , ) Interest/discount on dvnces/bills 10, , , , b) Income on investments 3, , , , c) Interest on blnces with Reserve Bnk of Indi nd other interbnk funds d) Others , Other income (refer note 4 nd 9) 3, , , , TOTAL INCOME (1)+(2) 18, , , , Interest expended 8, , , , Operting expenses (e)+(f) 4, , , ,7094 e) Employee cost 1,5188 1, , ,9195 f) Other operting expenses 2, , ,2828 9, TOTAL EXPENDITURE (4)+(5) (excluding provisions nd contingencies) 12, , , , OPERATING PROFIT (3) (6) (Profit before provisions nd contingencies) 5, ,5198 5, , Provisions (other thn tx) nd contingencies (refer note 6, 7 nd 8) 5, , , , PROFIT/(LOSS) FROM ORDINARY ACTIVITIES BEFORE EXCEPTIONAL ITEMS AND TAX (7) (8) (162.91) ,5757 7, Exceptionl items 11. PROFIT/(LOSS) FROM ORDINARY ACTIVITIES BEFORE TAX (9) (10) (162.91) ,5757 7, Tx expense (g)+(h) (436) (131.77) g) Current period tx (41.64) (221.96) , h) Deferred tx djustment (1.72) (302.39) (2,0072) 1 NET PROFIT/(LOSS) FROM ORDINARY ACTIVITIES AFTER TAX (11) (12) (119.55) 1, , , Extrordinry items (net of tx expense) 15. NET PROFIT/(LOSS) FOR THE PERIOD (13) (14) (119.55) 1, , , Pid-up equity shre cpitl (fce vlue ` 2 ech) (refer note 5) 1, , , , Reserves excluding revlution reserves (refer note 5 nd 8) 101, , , , Anlyticl rtios i) Percentge of shres held by Government of Indi ii) Cpitl dequcy rtio (Bsel III) 18.35% 18.42% 17.69% 18.42% iii) Ernings per shre (EPS) ) Bsic EPS before nd fter extrordinry items, net of tx expense (not nnulised) (in `) (0.19) b) Diluted EPS before nd fter extrordinry items, net of tx expense (not nnulised) (in `) (0.18) NPA Rtio 1 i) Gross non-performing customer ssets (net of write-off) 53, , , , ii) Net non-performing customer ssets 24, , , , iii) % of gross non-performing customer ssets (net of write-off) to gross customer ssets 8.81% 8.84% 7.99% 8.84% iv) % of net non-performing customer ssets to net customer ssets 19% 77% 86% 77% 20. Return on ssets (nnulised) (0.06)% 0.50% 1.09% 0.87% 1. At June 30,, the percentge of gross non-performing dvnces (net of write-off) to gross dvnces ws 9.65% (Mrch 31, : 9.90%, June 30, : 8.84%) nd net non-performing dvnces to net dvnces ws 67% (Mrch 31, : 5.43%, June 30, : 5.41%). 1

2 SUMMARISED UNCONSOLIDATED BALANCE SHEET At Prticulrs June 30, Mrch 31, June 30, (Audited) (Audited) (Audited) Cpitl nd Libilities Cpitl (refer note 5) 1, , , Employees stock options outstnding Reserves nd surplus (refer note 5 nd 8) 104, , , Deposits 546, , ,2595 Borrowings (includes preference shres nd subordinted debt) 161, , , Other libilities nd provisions 30, , , Totl Cpitl nd Libilities 845, , , Assets Csh nd blnces with Reserve Bnk of Indi 31, , , Blnces with bnks nd money t cll nd short notice 32, , , Investments 186, , , Advnces 516, , , Fixed ssets 7, ,9051 8, Other ssets 71, , , Totl Assets 845, , , CONSOLIDATED FINANCIAL RESULTS Yer ended June 30, Mrch 31, June 30, Mrch 31, Prticulrs (Q1-2019) (Q4-) (Q1-) (FY) (Unudited) (Unudited) (Unudited) (Audited) 1. Totl income 29, , , , Net profit 93 1, ,6073 7, Ernings per shre (EPS) Bsic EPS before nd fter extrordinry items, net of tx expense (not nnulised) (in `) Diluted EPS before nd fter extrordinry items, net of tx expense (not nnulised) (in `) Totl ssets 1,098, ,124, , ,124,

3 UNCONSOLIDATED SEGMENTAL RESULTS Yer ended June 30, Mrch 31, June 30, Mrch 31, Prticulrs (Q1-2019) (Q4-) (Q1-) (FY) (Audited) (Audited) (Audited) (Audited) 1. Segment Revenue Retil Bnking 13, , , , , ,8597 7, , , , , , , Totl segment revenue 35, , , , Less: Inter segment revenue 16, , , , Income from opertions 18, , , , Segmentl Results (i.e. Profit before tx) Retil Bnking 2, , , , (3,675.54) (3,621.35) (665.37) (8,281.30) 1, , , , Totl segment results (162.91) ,5757 7,4355 Unllocted expenses Profit before tx (162.91) ,5757 7,4355 Segment ssets Retil Bnking 262, , , , , , , , , , , , , , , , e Unllocted 14, , , , Totl segment ssets 845, , , , Segment libilities Retil Bnking 419, , , , , , , , , , , , ,4590 3, ,8707 3, h Unllocted Totl segment libilities 739, , , , Cpitl employed (i.e. Segment ssets Segment libilities) Retil Bnking (156,535.01) (154,8683) (141,508.62) (154,8683) 117, , , , , , , , , ,9980 7,0466 6,9980 h Unllocted 14, , , , Totl cpitl employed 105, , , , Notes on segmentl results: 1. The disclosure on segmentl reporting hs been prepred in ccordnce with Reserve Bnk of Indi (RBI) circulr DBOD.No.BP.BC.81/ / dted April 18, 2007 on guidelines on enhnced disclosures on 'Segmentl Reporting' which is effective from the reporting period ended Mrch 31, 2008 nd Securities nd Exchnge Bord of Indi (SEBI) circulr CIR/CFD/FAC/62/2016 dted July 5, 2016 on Revised Formts for Finncil Results nd Implementtion of Ind-AS by Listed Entities. 2. 'Retil Bnking' includes exposures which stisfy the four criteri of orienttion, product, grnulrity nd low vlue of individul exposures for retil exposures lid down in Bsel committee on Bnking Supervision document 'Interntionl Convergence of Cpitl Mesurement nd Cpitl Stndrds: A Revised Frmework'. This segment lso includes income from credit crds, debit crds, third prty product distribution nd the ssocited costs. 5. 'Wholesle Bnking' includes ll dvnces to trusts, prtnership firms, compnies nd sttutory bodies, which re not included under Retil Bnking. 'Tresury' includes the entire investment nd derivtive portfolio of the Bnk. 'Other Bnking' includes lesing opertions nd other items not ttributble to ny prticulr business segment of the Bnk. 3

4 Notes: The bove finncil results hve been pproved by the Bord of Directors t its meeting held on July 27,. The uditors hve issued n unmodified opinion on the unconsolidted finncil sttements for the three months ended June 30,. The finncil sttements hve been prepred in ccordnce with Accounting Stndrd (AS) 25 on 'Interim Finncil Reporting'. In ccordnce with RBI guidelines on 'Bsel III Cpitl Regultions' red together with the RBI circulr dted July 1, 2015, the consolidted Pillr 3 disclosure (unudited) t June 30, including leverge rtio nd liquidity coverge rtio is vilble t During Q1-2019, the Bnk sold equity shres representing 2.00% shreholding in ICICI Prudentil Life Insurnce Compny Limited through n offer for sle on stock exchnges for totl considertion of 1, crore. The sle resulted in gin (fter sle relted expenses) of 1, crore in unconsolidted finncil results nd 1, crore in consolidted finncil results for Q During Q2-, the Bnk sold equity shres representing 7.00% shreholding in ICICI Lombrd Generl Insurnce Compny Limited in n initil public offer (IPO) for totl considertion of 2, crore. The sle resulted in gin (fter IPO relted expenses) of 2, crore in unconsolidted finncil results nd 1, crore in consolidted finncil results for FY. Further, during Q4-, the Bnk sold equity shres representing 20.78% shreholding in ICICI Securities Limited in n IPO for totl considertion of 3, crore. The sle resulted in gin (fter IPO relted expenses) of 3, crore in unconsolidted finncil results nd 3, crore in consolidted finncil results for Q4- nd FY. The shreholders of the Bnk pproved the issue of bonus shres of 2 ech in the proportion of 1:10, i.e. 1 (one) bonus equity shre of 2 ech for every 10 (ten) fully pid-up equity shres held (including shres underlying ADS), through postl bllot on June 12,. Accordingly, the Bnk issued 582,984,544 equity shres s bonus shres during Q1-. During Q1- nd Q2-, RBI hd dvised bnks to initite insolvency resolution process under the provisions of Insolvency nd Bnkruptcy Code, 2016 (IBC) for certin specific ccounts. Bnks were required to mke provision t 40% on the secured portion nd 100% on unsecured portion of the lon, or provision s per extnt RBI guideline on sset clssifiction norms, whichever is higher t Mrch 31,. Bnks were required to further increse the provision on secured portion of the lon to 50.0% t June 30,. Accordingly, the Bnk hs mde n dditionl provision of crore on these ccounts during the three months ended June 30, nd holds provision of 9, crore in respect of outstnding lons mounting to ` 13, crore to these borrowers which mounts to provision coverge of 69.0% t June 30,. On Februry 12,, RBI issued revised frmework for resolution of stressed ssets, which superseded the existing guidelines on SDR, chnge in ownership outside SDR (except projects under implementtion) nd S4A with immedite effect. Under the revised frmework, the stnd-still benefits for ccounts where ny of these schemes hd been invoked but not yet implemented were revoked nd ccordingly these ccounts were clssified s per the extnt RBI norms on income recognition nd sset clssifiction in Q4-. The Bnk hd clssified three borrower ccounts in the gems nd jewellery sector with fund-bsed outstnding of 7987 crore s frud nd non-performing during Q4- nd mde provision of crore through profit nd loss ccount nd crore by debiting reserves nd surplus, s permitted by RBI. Additionlly, during Q4- the Bnk hd lso mde provision for certin other frud nd non-performing cses by debiting reserves nd surplus mounting to crore, s permitted by RBI. The provision mde by debiting reserves nd surplus would be reversed nd ccounted through the profit nd loss ccount over the yer ending Mrch 31, During Q1-2019, provision mounting to crore hs been recognised through profit nd loss ccount nd equivlent debit ws reversed in reserves nd surplus. 4

5 On June 15,, RBI through its circulr, llowed bnks to spred provisioning for mrk to mrket (MTM) losses on investments held in AFS nd HFT for the qurter ended June 30,. The losses my be spred over four qurters, commencing from the qurter ended June 30,. The Bnk hs not tken this option nd hs ccounted for the entire MTM loss on domestic fixed income securities mounting to ` crore during Q As mentioned by RBI in its press relese dted Mrch 29,, RBI hs through n order dted Mrch 26,, imposed monetry penlty of crore on the Bnk for non-complince with directions/guidelines issued by RBI. This penlty hs been imposed in exercise of powers vested in RBI under the provisions of Section 47A(1)(c) red with Section 46(4)(i) of the Bnking Regultion Act, During Q1-2019, the Bnk hs llotted 3,742,052 equity shres of ` 2 ech pursunt to exercise of employee stock options. Previous period/yer figures hve been re-grouped/re-clssified where necessry to conform to current period clssifiction. The mounts for Q4- re blncing mounts between the mounts s per udited ccounts for FY nd 9M-. The bove unconsolidted finncil results re udited by the sttutory uditors, B S R & Co. LLP, Chrtered Accountnts. 1 crore = 10.0 million. For nd on behlf of the Bord of Directors Sndeep Bkhshi Chief Operting Officer (Designte) DIN Plce: Dte: Mumbi July 27, Anup Bgchi Executive Director DIN

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