ICICIBANK

Strong loan growth across segments

1. Strong loan growth across segments ICICI Bank continues to report healthy growth in: Retail loans Corporate lending SME financing Business banking Credit growth remains among the strongest in the private banking sector. 2. Asset quality remains best-in-class The bank continues to maintain low Gross NPA and Net NPA levels. Strong underwriting standards and recovery efforts have helped sustain asset quality. 3. Deposit growth remains robust ICICI Bank is witnessing healthy growth in deposits, helping support future loan expansion. CASA deposits continue to be an important strength. 4. Strong profitability momentum The bank continues to deliver strong growth in: Net profit Net interest income (NII) Fee income Return on Assets (ROA) Operational efficiency remains among the best in the industry. 5. Digital banking leadership ICICI Bank continues investing aggressively in: Mobile banking AI-powered banking solutions Digital lending Payment platforms Digital channels are contributing significantly to customer acquisition and engagement. 6. Subsidiaries performing well Businesses such as: ICICI Prudential Life ICICI Lombard ICICI Securities ICICI Asset Management continue contributing to the overall value of the ICICI group. 7. Margin trends remain stable Investors are closely tracking Net Interest Margin (NIM) trends, but margins have remained relatively stable despite competition for deposits. 8. Strong capital position ICICI Bank maintains healthy capital adequacy levels, providing room for future growth without immediate capital-raising requirements. 9. Key growth triggers investors are watching Major factors being tracked include: