Sr. Particulars no. (Audited) (Audited) (Audited) (Audited) (Audited) (Audited) 1. Interest earned (a)+(b)+(c)+(d)
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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 Nine months ended Yer ended December September December December December Mrch 31, (Audited) (Audited) (Audited) (Audited) (Audited) (Audited) Interest erned ()+(b)+(c)+(d) 13, , , , , , ) Interest/discount on dvnces/bills 9, , , , , ,9415 b) Income on investments 2, , ,6548 8, , , c) Interest on blnces with Reserve Bnk of Indi nd other inter-bnk funds d) Others , ,2864 3,0169 Other income 3, , , , , ,3205 TOTAL INCOME (1)+(2) 17, , , , , ,0648 Interest expended 8,2575 8, , , , , Operting expenses (e)+(f) 3, , , , , ,6856 e) Employee cost 1, , , ,2526 3, ,0035 f) Other operting expenses 2,3779 2, , ,6343 5, , TOTAL EXPENDITURE (4)+(5) (excluding provisions nd contingencies) 12, , , , , , OPERATING PROFIT (3) (6) (Profit before provisions nd contingencies) 5, , , , , , Provisions (other thn tx) nd contingencies (refer note 8) 2,7170 7,0869 2, , ,7460 8, PROFIT/(LOSS) FROM ORDINARY ACTIVITIES BEFORE EXCEPTIONAL ITEMS AND TAX (7) (8) 2,8122 3,5538 3, , , , Exceptionl items (refer note 6) , PROFIT/(LOSS) FROM ORDINARY ACTIVITIES BEFORE TAX (9) (10) 2,8122 3,5538 3, , , , Tx expense (g)+(h) (refer note 9) , , , g) Current period tx , ,4304 3,1620 4, , h) Deferred tx djustment (6010) (1,247.12) (7342) (1,8783) (1,120.18) (3,319.18) 1 NET PROFIT/(LOSS) FROM ORDINARY ACTIVITIES AFTER TAX (11) (12) 2,4482 3,1027 3, , ,0240 9, Extrordinry items (net of tx expense) 15. NET PROFIT/(LOSS) FOR THE PERIOD (13) (14) 2,4482 3,1027 3, , ,0240 9, Pid-up equity shre cpitl (fce vlue ` 2/- ech) 1,1633 1,1601 1,1665 1,1633 1,1665 1, Reserves excluding revlution reserves 93, , , , , , Anlyticl rtios i) Percentge of shres held by Government of Indi ii) Cpitl dequcy rtio (Bsel III) 15.98% 16.14% 15.77% 15.98% 15.77% 16.64% iii) Ernings per shre (EPS) ) Bsic EPS before nd fter extrordinry items, net of tx expense (not nnulised) (in `) b Diluted EPS before nd fter extrordinry items, net of tx expense (not nnulised) (in `) NPA Rtio 1 i) Gross non-performing dvnces (net of writeoff) 37, , , , , ,2225 ii) Net non-performing dvnces 19, ,2186 9, , , ,9608 iii) % of gross non-performing dvnces (net of write-off) to gross dvnces 7.91% 6.82% 72% 7.91% 72% 5.82% iv) % of net non-performing dvnces to net dvnces 35% 57% 28% 35% 28% 98% 20. Return on ssets (nnulised) 30% 70% 82% 43% 87% 49% At December 31, 2016, the percentge of gross non-performing customer ssets to gross customer ssets ws 7.20% nd net non-performing customer ssets to net customer ssets ws 96%. Customer ssets include dvnces nd credit substitutes.
2 Cpitl nd Libilities Cpitl Employees stock options outstnding Reserves nd surplus Deposits Borrowings (includes preference shres nd subordinted debt) Other libilities nd provisions Totl Cpitl nd Libilities SUMMARISED UNCONSOLIDATED BALANCE SHEET At December September Mrch 31, December 31, , , 2015 (Audited) (Audited) (Audited) (Audited) 1,1633 1,1601 1,1617 1, , , , , , , , , , , , , , , , , , , , , Assets Csh nd blnces with Reserve Bnk of Indi Blnces with bnks nd money t cll nd short notice Investments Advnces Fixed ssets Other ssets Totl Assets 26, , , , , , , , , , , , , , , , , , , , , , , , , , , , CONSOLIDATED FINANCIAL RESULTS Nine months ended Yer ended December September December December December Mrch 31, (Unudited) (Unudited) (Unudited) (Unudited) (Unudited) (Audited) Totl income 27, , , , , , Net profit 2, , ,1235 8, , , 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 964, , , , , ,756.20
3 UNCONSOLIDATED SEGMENTAL RESULTS OF ICICI BANK LIMITED Nine months ended Yer ended December September December December December Mrch 31, (Audited) (Audited) (Audited) (Audited) (Audited) (Audited) Segment Revenue 11, , , , , , b Wholesle Bnking (before exceptionl items) 7, , , , , , , , , , , , ,4034 1, , Totl segment revenue 32, , , , , , Less: Inter segment revenue 15, , , , , , Income from opertions 17, , , , , ,0648 Segmentl Results (i.e. Profit before tx) 1,3378 1, , , , , b.i Wholesle Bnking (before exceptionl items) (978.62) (5,085.93) (217.68) (6,5969) 3, ,3557 b.ii Less: Exceptionl items (refer note 6) , b.iii Wholesle Bnking (fter exceptionl items) (978.62) (5,085.93) (217.68) (6,5969) 3, (1,245.43) 2,2443 7,3554 2, , ,7141 9, Totl segment results 2,8122 3,5538 3, , , , Unllocted expenses Profit before tx 2,8122 3,5538 3, , , , Segment ssets 195, , , , , , b Wholesle Bnking 268, , , , , , , , , , , , , , , , , , e Unllocted 9, , , , , , Totl segment ssets 757, , , , , , Segment libilities 358, , , , , ,3927 b Wholesle Bnking 133, , , , , , , , , , , , , , ,9833 3, , , e Unllocted Totl segment libilities 660, , , , , , Cpitl employed (i.e. Segment ssets Segment libilities) (162,5017) (138,9218) (134,868.88) (162,5017) (134,868.88) (140,9172) b Wholesle Bnking 134, , , , , , , , , , , ,3742 8,4569 6, , ,4569 5, , e Unllocted 9, , , , , , Totl cpitl employed 97, , , , , , Notes on segmentl results: The disclosure on segmentl reporting hs been prepred in ccordnce with Reserve Bnk of Indi (RBI) circulr DBOD.No.BP.BC.81/20018/ 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. "" 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 crd, third prty product distribution nd the ssocited costs. "Wholesle Bnking" includes ll dvnces to trusts, prtnership firms, compnies nd sttutory bodies, which re not included under. "Tresury" includes the entire investment nd derivtive portfolio of the Bnk. 5. "Other Bnking" includes lesing opertions nd other items not ttributble to ny prticulr business segment of the Bnk.
4 Notes: The bove finncil results hve been pproved by the Bord of Directors t its meeting held on Jnury 31, 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 December 31, 2016 including leverge rtio nd liquidity coverge rtio is vilble t Other income includes net foreign exchnge gin relting to overses opertions mounting to 835 crore, Nil nd 1462 crore for the three months ended December 31, 2016, September 30, 2016 nd December 31, 2015 respectively, crore nd crore for the nine months ended December 31, 2016 nd December 31, 2015 respectively nd 9419 crore for the yer ended Mrch 31, During the three months ended September 30, 2016, the Bnk sold prt of its shreholding in ICICI Prudentil Life Insurnce Compny Limited in the initil public offer (IPO) for totl considertion of 6, crore. During the three months ended December 31, 2015, the Bnk sold prt of its shreholding in ICICI Prudentil Life Insurnce Compny Limited for totl considertion of 1, crore. The unconsolidted finncil results nd consolidted finncil results include gin (before tx nd fter IPO relted expenses) of 5,6803 crore nd 5, crore respectively on these sles in the three months ended September 30, 2016 nd nine months ended December 31, 2016 nd 1,2456 crore nd 1, crore respectively in the three months nd nine months ended December 31, For the yer ended Mrch 31, 2016, the unconsolidted finncil results nd consolidted finncil results include gin (before tx) of 1, crore nd 1,6188 crore respectively on sle of shres of ICICI Prudentil Life Insurnce Compny Limited nd 1, crore nd 1,2385 crore respectively on sle of shres of ICICI Lombrd Generl Insurnce Compny Limited. During the yer ended Mrch 31, 2016, the wek globl economic environment, the shrp downturn in the commodity cycle nd the grdul nture of the domestic economic recovery dversely impcted the borrowers in certin sectors like iron nd steel, mining, power, rigs nd cement. In view of the bove, the Bnk hd on prudent bsis mde collective contingency nd relted reserve during the three months ended Mrch 31, 2016, mounting to 3, crore towrds exposures to these sectors. This ws over nd bove provisions mde for non-performing nd restructured lons s per RBI guidelines. The Bnk utilised n mount of crore, crore nd 2,0739 crore during the three months ended December 31, 2016 nd September 30, 2016 nd nine months ended December 31, 2016 respectively from collective contingency nd relted reserve. In ccordnce with RBI circulr on 'Prudentil norms on income recognition, sset clssifiction nd provisioning pertining to dvnces spred over of shortfll on sle of non-performing ssets (NPAs) to securitistion compny (SC)/reconstruction compny (RC)' dted June 13, 2016, bnks re permitted to spred over ny shortfll on sle of NPAs to SC/RC during the yer ending Mrch 31, 2017 over period of four qurters. Accordingly, during the three months ended June 30, 2016, the Bnk recognised loss of 1364 crore nd deferred loss of 3992 crore on sle of NPAs to Asset Reconstruction Compnies (ARCs). The Bnk recognised this deferred loss fully during the three months ended September 30, 2016 on prudent bsis. During the three months ended September 30, 2016, the Bnk lso fully recognised the loss of crore on sle of NPAs to ARCs during the qurter. The Bnk ccordingly recognised loss of Nil, 5709 crore nd 7073 crore during the three months ended December 31, 2016 nd September 30, 2016 nd nine months ended December 31, 2016 respectively. Further, the Bnk hd gin of Nil, crore nd crore during the three months ended December 31, 2016 nd September 30, 2016 nd nine months ended December 31, 2016 respectively on sle of NPAs to ARCs which is set side towrds the security receipts received on such sle During the three months ended September 30, 2016, the Bnk mde dditionl provisions/loss of 3, crore comprising the following: i. i. iii. Additionl provision of 1, crore for stndrd lons; Incrementl loss mounting to crore by recognising the entire loss on sle of NPAs to ARCs which is permitted to be mortised s per the RBI guideline (refer note 7); nd Floting provision of 1, crore, which hs been reduced from the gross non-performing lons while computing the net NPAs. During the nine months ended December 31, 2016, pursunt to the press relese dted July 6, 2016 issued by the Ministry of Finnce, the Bnk hs reversed the tx provision nd corresponding deferred tx mounting to 4641 crore creted for the yer ended Mrch 31, 2016 on ccount of Income Computtion nd Disclosure Stndrds (ICDS). ICDS is pplicble from the yer ending Mrch 31, Therefore the tx provision nd deferred tx for the three months ended September 30, 2016 nd December 31, 2016 nd nine months ended December 31, 2016 hve been computed fter considering its impct.
5 During the three months ended December 31, 2016, the Bnk hs llotted 1,629,175 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 bove unconsolidted finncil results re udited by the sttutory uditors, B S R & Co. LLP, Chrtered Accountnts. 1 1 crore = 10.0 million. For nd on behlf of the Bord of Directors N. S. Knnn Plce: Mumbi Executive Director Dte: Jnury 31, 2017 DIN
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