ICICIBANK

— Overview 🏦 What is ICICI Bank? ICICI Bank Ltd is India’s second-largest private sector bank, known for strong retail banking, digital leadership, and consistent improvement in asset quality. It is part of the ICICI Group and headquartered in Mumbai. 📊 Core Businesses ICICI Bank operates across retail, corporate, and treasury banking: Retail Banking – home loans, auto loans, personal loans, credit cards Corporate & SME Lending – working capital, project finance Treasury & Markets – government securities, forex, derivatives Digital Banking – iMobile Pay, internet banking, APIs International Banking – UK, Canada, Singapore, Middle East 💰 Revenue Model Net Interest Income (NII) – interest spread on loans vs deposits Fee Income – cards, distribution, forex, transactions Treasury Income – bond trading & FX gains 👉 Retail loans form the largest and safest portion of the loan book. 📈 Key Strengths Strong CASA ratio → low-cost deposits Industry-leading digital platforms Improved asset quality (low NPAs) Conservative provisioning → balance sheet strength High cross-sell via large customer base