6-K 1 dp219855_6k-01.htm FORM 6-K

美國

證券交易委員會
華盛頓特區20549

表格6-K

根據第13a條-16或外國發行人報告

根據1934年證券交易法第13a-16或第15d-16條的規定，外國私人發行人的報告

2024年10月

委員會檔案號碼: 001-15002

印度工業信貸投資銀行有限公司
(註冊人名稱之英文翻譯)

印度工業信貸投資銀行大廈，
班德拉-庫拉綜合商業區
孟买，印度 400 051
（主要執行辦公室的地址）

請打勾表示公司是否提交或將提交
20-F表格或40-F表格附件中的年度報告。

表格 20-F X

表格 40-F

物品：

1.	其他資訊。
2.	2024年9月30日止季度和六個月的未經審核財務業績（獨立和合併）
3.	有限審閱報告
4.	新聞公告
5.	附件

其他資訊

主題：2024年10月26日董事會議決議結果

伊本

印度工業信貸投資銀行有限公司（以下簡稱“銀行”）第6-K表格報告

該銀行已向印度股票交易所作出以下公告：

根據2015年SEBI（上市義務和披露要求）條例的第30、33、52（4）和其他適用規定，我們寫信通知您，印度工業信貸投資銀行有限公司（該銀行）董事會在今天舉行的會議上，批准了截至2024年9月30日的季度和六個月的未經審計的財務結果（單獨和合並）。現隨函附上以下內容：

截至2024年9月30日止季度和六個月的未經審計的財務業績（獨立和合併）；

b S R & Co. LLP會計師事務所和C N k & Associates LLP會計師事務所，作為銀行對應期間的聯合法定稽查員，針對未經審計的財務結果（自結和合併）發行了有限審核報告；以及

2024年9月30日止季度及六個月未經審核的財務業績新聞發布。

董事會亦批准將Vipul Agarwal先生納入高級管理人員類別，並立即生效。根據修訂後的SEBI上市規則第30條讀作A段的A部份，讀作SEBI公告號SEBI/HO/CFD/CFD-PoD-1/P/CIR/2023/123日2023年7月13日提供的詳細內容載於附件中。

請將上述信息記錄。

冰雪奇銀行有限公司

辛-L65190 吉 1994 普爾茨 021012

已註冊辦公室: ICICI 銀行塔，靠近查克利圈，瓦多達拉老帕德拉路-390 007，古吉拉特， 電話: 0265-6722239

企業辦公室： 孟買班德拉庫爾拉綜合大樓 ICICI 銀行大廈-400 051, 馬哈拉施特拉, 電話: 022-4008 8900

網站： www.易西銀行網站， 電子郵件: companysecretary@icicibank.com

獨立財務業績

(₹ 以千萬為單位)

先生编号。	詳情			三个月結束。			六個月結束		年度結束
				九月 30, 2024 (Q2-2025)	六月 30, 2024 (Q1-2025)	九月 30, 2023 (Q2-2024)	九月 30, 2024 (H1-2025)	九月 30, 2023 (H1-2024)	3月 31, 2024 (財政年度2024)
				(未經查核)	(未經查核)	(未經查核)	(未經查核)	(未經查核)	（已經接受審計）
1.	利息收入 (a)+(b)+(c)+(d)			40,537.38	38,995.78	34,920.39	79,533.16	68,248.00	142,890.94
	a)	放款/票據利息/折扣		31,426.45	30,108.54	27,118.87	61,534.99	52,963.02	110,943.93
	b)	投資收入		8,311.33	8,156.58	7,020.31	16,467.91	13,638.31	28,630.99
	c)	印度儲備銀行余額利息和其他銀行間資金利息		517.11	443.00	494.34	960.11	907.04	1,791.39
	d)	其他		282.49	287.66	286.87	570.15	739.63	1,524.63
2.	其他收益¹			7,176.66	7,001.92	5,776.68	14,178.58	11,211.93	22,957.77
3.	總收入 (1)+(2)			47,714.04	45,997.70	40,697.07	93,711.74	79,459.93	165,848.71
4.	支付的利息			20,489.40	19,442.87	16,612.48	39,932.27	31,713.63	68,585.22
5.	營業費用 (e)+(f)			10,501.46	10,529.99	9,855.32	21,031.45	19,377.91	39,132.73
	e)	員工成本		4,136.14	4,370.51	3,725.42	8,506.65	7,609.08	15,141.99
	f)	其他營業費用		6,365.32	6,159.48	6,129.90	12,524.80	11,768.83	23,990.74
6.	總支出不含提備與條款 (4)+(5)
	總支出不含提備與條款 (4)+(5)			30,990.86	29,972.86	26,467.80	60,963.72	51,091.54	107,717.95
7.	營業利潤（減提備與條款前） (3)–(6)			16,723.18	16,024.84	14,229.27	32,748.02	28,368.39	58,130.76
	營業利潤（減提備與條款前） (3)–(6)			16,723.18	16,024.84	14,229.27	32,748.02	28,368.39	58,130.76
8.	提備（除稅項外）和應變措施			1,233.09	1,332.18	582.63	2,565.27	1,875.07	3,642.93
9.	稅前業務收益凈額，不包括例外項目和稅款（7）-（8）			15,490.09	14,692.66	13,646.64	30,182.75	26,493.32	54,487.83
10.	非常項目			..	..	..	..	..	..
11.	稅前業務收益凈額（9）-（10）			15,490.09	14,692.66	13,646.64	30,182.75	26,493.32	54,487.83
12.	稅款支出（g）+（h）			3,744.21	3,633.55	3,385.64	7,377.76	6,584.12	13,599.56
	g)	當期稅收		3,306.43	3,326.56	3,246.52	6,632.99	6,383.89	12,050.65
	h)	递延税款		437.78	306.99	139.12	744.77	200.23	1,548.91
13.	稅後業務收益凈額（11）-（12）			11,745.88	11,059.11	10,261.00	22,804.99	19,909.20	40,888.27
14.	特殊條款（稅收支出淨額）			..	..	..	..	..	..
15.	凈利潤在此期間為（13）-（14）			11,745.88	11,059.11	10,261.00	22,804.99	19,909.20	40,888.27
16.	已實收的普通股資本（每股面值為2盧比）			1,409.45	1,407.45	1,400.83	1,409.45	1,400.83	1,404.68
17.	儲備金，不包括重新評估儲備			253,396.45	247,987.56	210,508.56	253,396.45	210,508.56	232,505.97
18.	分析比率
	i)	印度政府持有的股份百分比		0.22%	0.22%	0.21%	0.22%	0.21%	0.22%
	ii)	資本適足率（巴塞爾III）		15.35%	15.96%	16.07%	15.35%	16.07%	16.33%
	iii)	每股收益（EPS）
		a)	基本EPS在稅後特殊項目之前和之後，扣除稅費（非年度數字）（以盧比計）	16.68	15.73	14.66	32.42	28.46	58.38
		b)	稀釋每股收益在非常條款之前和之後，扣除稅項（非年化）（以印度盧比計算）	16.40	15.46	14.40	31.86	27.96	57.33
19.	不良資產比率²
	i)	總的非履約客戶資產（除去核銷）		27,121.15	28,718.63	29,836.94	27,121.15	29,836.94	27,961.68
	ii)	淨不良資產		5,685.14	5,684.79	5,046.47	5,685.14	5,046.47	5,377.79
	iii)	非履約客戶資產中（扣除核銷）佔總客戶資產的百分比		1.97%	2.15%	2.48%	1.97%	2.48%	2.16%
	iv)	淨不良資產佔淨客戶資產的百分比		0.42%	0.43%	0.43%	0.42%	0.43%	0.42%
20.	資產報酬率（年化）			2.40%	2.36%	2.41%	2.38%	2.40%	2.37%
21.	淨值³			250,418.12	244,448.42	204,617.01	250,418.12	204,617.01	227,933.46
22.	優先贖回股			..	..	..	..	..	..
23.	資本贖回儲備			350.00	350.00	350.00	350.00	350.00	350.00
24.	債務-權益比⁴			0.27	0.27	0.30	0.27	0.30	0.30
25.	總負債除以總資產⁵			6.30%	6.35%	6.79%	6.30%	6.79%	6.68%

1.	在2024財年，銀行已將積累的涉及關閉銀行離岸銀行單位SEEPZ孟買的339.66億盧比的匯兌損失，根據會計準則11-外匯匯率變動效應，轉入損益帳戶。
2.	截至2024年9月30日，毛不良債權（減值淨額）佔毛債權的比例爲2.04%（2024年6月30日：2.25%，2024年3月31日：2.26%，2023年9月30日：2.55%），淨不良債權佔淨債權的比例爲0.45%（2024年6月30日：0.46%，2024年3月31日：0.45%，2023年9月30日：0.45%）。
3.	淨值根據儲備銀行總圓通知號 RBI/2015-16/70 DBR.No.Dir.BC.12/13.03.00/2015-16 關於2015年7月1日暴露規範計算得出。淨資產還包括可供出售（『AFS』）準備金。
4.	債務代表剩餘期限超過一年的借款。
5.	總債務代表銀行的全部借款。
6.	請參考附註查看綜合業績後的說明。

摘要獨立財務報表

（單位：億盧比）
項目	在阿莫斯萊斯金融創立於1894年6月29日，現在已經爲人們自信地面對他們未來的財務事業提供了130年的幫助。
	九月 30, 2024	六月 30, 2024	三月 31, 2024	九月 30, 2023
	(未經審計)	(未經審計)	（經過審計）	(未經審計)
資產和負債
資本	1,409.45	1,407.45	1,404.68	1,400.83
員工期權/單位未結算	1,650.74	1,516.12	1,405.32	1,078.01
儲備和盈餘	256,479.80	251,070.91	235,589.32	213,570.08
存款	1,497,760.67	1,426,149.46	1,412,824.95	1,294,741.72
借款（包括次級債）	124,492.93	120,146.85	124,967.58	116,758.02
其他負債和準備金	95,064.64	92,406.30	95,322.73	93,230.90
總資產資產和負債	1,976,858.23	1,892,697.09	1,871,514.58	1,720,779.56

資產
現金和印度儲備銀行存款餘額	89,101.67	80,438.97	89,711.70	66,221.19
銀行及開空部位的餘額	47,696.98	30,224.07	50,214.31	43,240.51
投資	479,098.46	475,255.60	461,942.27	413,253.09
預付款項	1,277,240.43	1,223,154.27	1,184,406.39	1,110,542.14
固定資產	11,545.62	11,101.40	10,859.84	10,165.93
其他	72,175.07	72,522.78	74,380.07	77,356.70
資產總額	1,976,858.23	1,892,697.09	1,871,514.58	1,720,779.56

現金流量表

（₹以億爲單位）

項目		期間結束
		九月 30, 2024 (H1-2025)	三月 31, 2024 (FY2024)	九月 30, 2023 (H1-2024)
		(未經審計)	（經過審計）	(未經審計)
經營活動產生的現金流量/(使用)
稅前利潤/（虧損）		30,182.75	54,487.83	26,493.32

調整項:
折舊和攤銷費用		1,062.05	1,722.87	800.10
投資淨升值/折舊		(1,308.88)	1,565.28	471.19
爲不良資產和其他資產的準備		3,014.21	944.79	842.68
標準資產一般準備		283.20	1,154.83	844.75
應付平倉損失和其他儲備		(102.63)	854.51	328.79
員工期權支出		407.73	702.83	355.69

子公司和合營企業收入		(1,435.34)	(2,072.90)	(939.58)
固定資產出售的（利潤）/ 損失		(4.10)	(14.33)	(7.50)
	(i)	32,098.99	59,345.71	29,189.44

調整項:
投資的增加/減少		36,849.47	(38,885.23)	(25,712.82)
預付款的增加/減少		(95,848.24)	(166,104.10)	(91,746.52)
存款的增加/減少		84,935.72	231,984.25	113,901.03
其他資產的增加/減少		747.90	(3,656.25)	(5,885.24)
其他負債和準備金的增加/減少		(511.31)	10,057.33	7,920.32
	(ii)	26,173.54	33,396.00	(1,523.23)

退款/付款直接稅款	(iii)	(6,320.75)	(11,085.11)	(4,112.57)
經營活動產生的淨現金流量(淨額)(i)+(ii)+(iii)	(A)	51,951.78	81,656.60	23,553.64
投資活動產生的現金流量(淨額)
子公司贖回/售出（包括申購款）投資收益		(1,388.49)	(2,823.93)	..
子公司和合營企業收入		1,435.34	2,072.91	939.58
購買固定資產		(1,937.10)	(2,874.78)	(1,492.96)
固定資產出售收益		41.05	54.48	36.55
持有至到期投資有價證券的（購買）/出售		(46,348.48)	(59,077.44)	(25,681.71)
投資活動的淨現金流量	(B)	(48,197.68)	(62,648.76)	(26,198.54)
籌資活動的現金流量
股本發行收益（包括員工持股計劃）		803.25	1,170.87	624.91
從長期借款中獲得的收益		16,050.80	29,284.07	7,902.08
償還長期借款		(18,452.11)	(32,033.91)	(15,928.66)
短期借款的淨收益/償還		1,732.45	8,253.42	5,625.32
派發股息		(7,041.27)	(5,598.60)	(5,598.60)
籌資活動產生的淨現金流量	(C)	(6,906.88)	1,075.85	(7,374.95)
匯兌變動對翻譯準備金的影響	(D)	25.42	404.05	43.28

現金及現金等價物淨增加/(減少) (A) + (B) + (C) + (D)		(3,127.36)	20,487.74	(9,976.57)

期初/年初現金及現金等價物		139,926.01	119,438.27	119,438.27
期末/年末現金及現金等價物		136,798.65	139,926.01	109,461.70

1.	現金及現金等價物包括現金、外幣票據、儲存在印度儲備銀行的餘額、儲存在其他銀行的餘額以及看漲和開空的資金。

分段報告

（₹以億爲單位）

序號	項目	截至三個月結束時			截至2022年6月30日的六個月		年度完結
		九月 30, 2024 (Q2-2025)	6月 30, 2024 (Q1-2025)	九月 30, 2023 (Q2-2024)	九月 30, 2024 (H1-2025)	九月 30, 2023 (H1-2024)	三月 31, 2024 (2024財年)
		(未經審計)	(未經審計)	(未經審計)	(未經審計)	(未經審計)	（經過審計）
1.	業務收入
a	零售銀行	38,750.86	37,378.46	33,080.02	76,129.32	64,137.23	134,547.57
b	批發銀行業務	20,388.83	19,392.15	17,383.77	39,780.98	33,452.90	71,780.22
c	國庫	33,579.54	32,647.36	27,859.08	66,226.90	54,164.19	113,959.22
d	其他銀行業務	1,254.38	690.26	727.96	1,944.64	1,572.15	3,297.30
	總部門營業收入	93,973.61	90,108.23	79,050.83	184,081.84	153,326.47	323,584.31
	減：同業收入	46,259.57	44,110.53	38,353.76	90,370.10	73,866.54	157,735.60
	營業利潤	47,714.04	45,997.70	40,697.07	93,711.74	79,459.93	165,848.71
2.	各業務板塊的業績（即稅前利潤）
a	零售銀行	5,556.19	4,239.07	4,895.97	9,795.26	9,074.60	18,849.17
b	批發銀行業務	5,197.53	4,912.07	4,670.00	10,109.60	8,749.70	19,971.71
c	國庫	4,603.39	5,473.58	3,966.92	10,076.97	8,329.05	14,898.40
d	其他銀行業務	132.98	67.94	113.75	200.92	339.97	768.55
	所有業務板塊的總業績	15,490.09	14,692.66	13,646.64	30,182.75	26,493.32	54,487.83
3.	分部資產
a	零售銀行	778,247.73	747,392.84	668,057.40	778,247.73	668,057.40	719,313.62
b	批發銀行業務	502,717.35	491,263.38	463,638.43	502,717.35	463,638.43	482,456.10
c	國庫	644,803.85	616,608.50	550,912.76	644,803.85	550,912.76	628,256.14
d	其他銀行業務	46,368.30	32,396.38	30,867.69	46,368.30	30,867.69	34,891.44
e	未分配	4,721.00	5,035.99	7,303.28	4,721.00	7,303.28	6,597.28
	總部門資產	1,976,858.23	1,892,697.09	1,720,779.56	1,976,858.23	1,720,779.56	1,871,514.58
4.	分割負債
a	零售銀行	1,063,337.34	1,027,261.28	940,334.15	1,063,337.34	940,334.15	1,019,845.49
b	批發銀行業務	494,981.27	455,949.98	416,050.16	494,981.27	416,050.16	456,571.53
c	國庫	138,508.93	135,128.50	129,456.51	138,508.93	129,456.51	137,386.24
d	其他銀行業務	7,390.70	6,707.73	5,126.69	7,390.70	5,126.69	6,212.00
e	未分配	13,100.00	13,655.12	13,763.13	13,100.00	13,763.13	13,100.00
	部門總負債	1,717,318.24	1,638,702.61	1,504,730.64	1,717,318.24	1,504,730.64	1,633,115.26
5.	資本投入	259,539.99	253,994.48	216,048.92	259,539.99	216,048.92	238,399.32
6.	總計(4)+(5)	1,976,858.23	1,892,697.09	1,720,779.56	1,976,858.23	1,720,779.56	1,871,514.58

分段成果說明：

1.	關於細分報告的披露是根據印度證券交易委員會(SEBI) 2016年7月5日發佈的關於金融報表修訂格式和實施印度會計準則的循環通知CIR / CFD / FAC / 62/2016制定的。

2.	「零售銀行」包括銀行符合《銀行監督委員會國際資本測量和資本標準國際收斂修訂框架》中針對零售交易的定向、產品、細分和個別交易低價值的四個標準的銀行業務。該業務板塊還包括信用卡、借記卡、第三方產品分銷及相關費用所產生的收益。

	印度國家銀行的《基本報表-呈現和披露》主要指導方針要求將「零售銀行」細分爲 (a) 數字銀行（根據印度銀行業數字銀行部創建的數字銀行單位在2022年4月7日的循環中定義）和 (b) 其他零售銀行細分。因此，零售銀行板塊的分部結果如下：

（單位：億盧比）
	序號	項目	業務收入	分段結果	分部資產	分割負債
	Q2-2025
		零售銀行	38,750.86	5,556.19	778,247.73	1,063,337.34
	(i)	數字銀行業務	10,051.48	1,492.86	140,009.42	201,963.08
	(ii)	其他零售銀行業務	28,699.38	4,063.33	638,238.31	861,374.26
	Q1-2025
		零售銀行	37,378.46	4,239.07	747,392.84	1,027,261.28
	(i)	數字銀行業務	9,294.03	1,187.22	135,195.54	192,709.03
	(ii)	其他零售銀行業務	28,084.43	3,051.85	612,197.30	834,552.25
	Q2-2024
		零售銀行	33,080.02	4,895.97	668,057.40	940,334.15
	(i)	數字銀行業務	7,644.09	1,162.52	99,513.41	161,717.18
	(ii)	其他零售銀行業務	25,435.93	3,733.45	568,543.99	778,616.97

3.	批發銀行業務包括銀行對信託、合夥企業、公司和法定機構的所有貸款，這些貸款沒有包含在零售銀行中。

4.	「資金管理」主要包括銀行的全部投資和衍生產品組合。

5.	「其他銀行業務」包括租賃業務和非特定業務板塊的其他項目。

6.	「未分配」包括諸如預繳稅淨額、遞延稅收和到實體層面計算的撥備等項目。

合併財務報表結果

(₹以億爲單位)
序號	項目		截至三個月結束時			截至2022年6月30日的六個月		年度完結
			九月 30, 2024 (Q2-2025)	6月 30, 2024 (Q1-2025)	九月 30, 2023 (Q2-2024)	九月 30, 2024 (H1-2025)	九月 30, 2023 (H1-2024)	三月 31, 2024 (2024財年)
			(未經審計)	(未經審計)	(未經審計)	(未經審計)	(未經審計)	（經過審計）
1.	利息收入（a）+（b）+（c）+（d）		46,325.78	44,581.65	38,938.08	90,907.43	76,043.97	159,515.92
	a)	預支/匯票利息/貼現	33,140.75	31,755.59	28,501.06	64,896.34	55,588.75	116,589.78
	b)	投資收益	11,929.93	11,665.69	9,279.96	23,595.62	18,111.01	38,107.07
	c)	印度儲備銀行餘額和其他銀行間基金的利息	836.46	717.74	699.56	1,554.20	1,281.77	2,649.88
	d)	其他	418.64	442.63	457.50	861.27	1,062.44	2,169.19
2.	其他收入 (e)+(f)		26,616.77	22,688.41	18,354.18	49,305.18	33,332.29	76,521.80
	e)	保險業務的保費和其他營業收入	16,779.41	13,567.06	10,679.21	30,346.47	18,376.20	45,852.81
	f)	其他	9,837.36	9,121.35	7,674.97	18,958.71	14,956.09	30,668.99
3.	總收入 (1)+(2)		72,942.55	67,270.06	57,292.26	140,212.61	109,376.26	236,037.72
4.	利息支出		22,225.30	21,121.62	17,908.01	43,346.92	34,275.67	74,108.16
5.	營業費用 (g)+(h)+(i)		30,838.91	28,071.16	23,911.01	58,910.07	43,967.68	97,782.79
	g)	員工成本	5,993.19	6,165.85	4,662.23	12,159.04	9,473.56	19,171.98
	h)	支付的賠償和與保險業務相關的其他費用	17,341.60	14,646.67	11,888.21	31,988.27	20,394.84	50,260.12
	i)	其他營業費用	7,504.12	7,258.64	7,360.57	14,762.76	14,099.28	28,350.69
6.	不包括預備和應急情況的總支出（4） + （5）		53,064.21	49,192.78	41,819.02	102,256.99	78,243.35	171,890.95
	不包括預備和應急情況的總支出（4） + （5）		53,064.21	49,192.78	41,819.02	102,256.99	78,243.35	171,890.95
7.	預備和應急情況前的營業利潤（3）-（6）		19,878.34	18,077.28	15,473.24	37,955.62	31,132.91	64,146.77
	預備和應急情況前的營業利潤（3）-（6）		19,878.34	18,077.28	15,473.24	37,955.62	31,132.91	64,146.77
8.	預備金（除稅外）和應急情況		1,381.88	1,315.89	649.01	2,697.77	1,994.05	3,712.41
9.	稅前普通業務利潤（7）-（8）		18,496.46	16,761.39	14,824.23	35,257.85	29,138.86	60,434.36
10.	非常事項		..	..	..	..	..	..
11.	加：對聯營公司收益的份額		45.19	56.87	335.45	102.06	586.49	1,073.77
12.	稅前及少數股權者權益(9) - (10) + (11)的經營利潤		18,541.65	16,818.26	15,159.68	35,359.91	29,725.35	61,508.13
13.	稅費支出（j）+（k）		4,635.66	4,355.45	3,808.82	8,991.11	7,360.04	15,427.62
	j)	應交稅費	4,214.41	4,094.74	3,638.50	8,309.15	7,146.07	13,693.30
	k)	遞延稅	421.25	260.71	170.32	681.96	213.97	1,734.32
14.	少數股東損益分配		958.22	766.97	454.73	1,725.19	833.06	1,824.14
15.	淨利潤=（12）-（13）-（14）		12,947.77	11,695.84	10,896.13	24,643.61	21,532.25	44,256.37
16.	非常項目（稅後）		..	..	..	..	..	..
17.	期間淨利潤（15）-（16）		12,947.77	11,695.84	10,896.13	24,643.61	21,532.25	44,256.37
18.	實收股本（面值2盧比）		1,409.45	1,407.45	1,400.83	1,409.45	1,400.83	1,404.68
19.	除重新估價準備外的儲備		-	266,675.48	226,314.47	-	226,314.47	250,222.56
20.	每股收益（EPS）					-
	淨利潤扣除稅前和稅後非常規項目的基本每股收益（未年化）（以盧比計）		18.39	16.64	15.57	35.03	30.79	63.19
	淨利潤扣除稅前和稅後非常規項目的攤薄後每股收益（未年化）（以盧比計）		18.05	16.32	15.27	34.36	30.19	61.96

摘要綜合平衡表

（單位：億盧比）

項目	在阿莫斯萊斯金融創立於1894年6月29日，現在已經爲人們自信地面對他們未來的財務事業提供了130年的幫助。
	九月 30, 2024	六月 30, 2024	自三月十四日以來，一些俄羅斯公司的投資價值已被公平計算爲零。 31, 2024	九月 30, 2023
	(未經審計)	(未經審計)	（經過審計）	(未經審計)
所有權益和負債
資本	1,409.45	1,407.45	1,404.68	1,400.83
員工期權/單位在外	1,650.74	1,516.12	1,405.32	1,078.01
儲備和盈餘	277,026.44	269,786.39	253,333.84	229,405.37
少數股東權益	15,586.37	14,396.84	13,888.42	7,203.63
存款	1,529,513.61	1,456,732.61	1,443,579.95	1,325,252.62
借款（包括次級債）	219,760.55	206,033.29	207,428.00	189,709.79
保單持有人的所有基金類型	306,679.41	295,381.31	281,318.33	259,349.87
其他負債和準備金	164,884.99	162,140.81	161,704.49	111,449.63
總資本和負債	2,516,511.56	2,407,394.82	2,364,063.03	2,124,849.75

資產
現金和在印度儲備銀行的餘額	89,198.99	80,506.78	89,943.02	66,269.76
銀行及開空部位的餘額	75,185.64	54,002.68	;72,825.88	62,832.19
投資	874,760.49	857,793.87	827,162.51	715,263.84
預付款項	1,360,046.48	1,303,045.56	1,260,776.20	1,182,108.54
固定資產	14,254.27	13,663.27	13,240.28	11,657.62
其他	100,155.51	95,472.48	97,640.98	86,616.47
在合併財務報表中的商譽	2,910.18	2,910.18	2,474.16	101.33
總資產	2,516,511.56	2,407,394.82	2,364,063.03	2,124,849.75

合併現金流量表

（單位：億盧比）
項目		期末
		九月 30,2024 (H1-2025)	三月 31,2024 (財年2024)	九月 30,2023 (H1-2024)
		(未經審計)	（經過審計）	(未經審計)
經營活動產生的現金流量/(所用現金)
稅前利潤/（虧損）		33,634.72	59,683.99	28,892.29

調整原因：
折舊和攤銷費用		1,289.85	1,995.89	718.03
投資淨升值/折舊		(1,719.26)	1,617.20	544.08
爲不良資產和其他資產的準備		3,044.57	963.57	912.46
標準資產一般準備		425.50	1,165.85	845.42
應付平倉損失和其他儲備		(94.59)	878.02	338.00
固定資產出售的（利潤）/ 損失		5.02	(14.41)	(7.49)
員工股票期權支出		407.73	702.91	355.73
	(i)	36,993.54	66,993.03	32,598.52

調整原因：
投資的增加/減少		21,634.25	16,735.53	(61,307.31)
預付款的增加/減少		(102,314.85)	(178,264.68)	(99,161.23)
存款的增加/減少		85,933.66	232,993.01	114,420.47
其他資產的增加/減少		(3,139.44)	1,881.88	(1,174.66)
其他負債和準備金的增加/減少		14,351.08	30,289.32	19,941.38
	(ii)	16,464.70	103,635.06	(27,281.35)

直接稅款的退款/付款	(iii)	(8,359.11)	(13,343.60)	(5,114.50)
經營活動產生的現金流量淨額（i）+（ii）+（iii）	(A)	45,099.13	157,284.48	202.67
投資活動現金流入/(流出)
購買固定資產		(2,789.67)	(3,678.54)	(1,887.32)
固定資產出售收益		42.62	69.89	39.66
持有至到期投資證券的買入/賣出		(46,687.44)	(142,322.44)	(1,624.00)
投資活動產生的淨現金流量	(B)	(49,434.49)	(145,931.09)	(3,471.66)
籌資活動中的現金流量
股本發行收益（包括員工持股計劃）		803.25	1,170.87	624.91
從長期借款中獲得的收益		21,673.28	39,196.82	13,217.32
償還長期借款		(22,077.10)	(39,146.88)	(19,730.64)
短期借款的淨收益/償還		12,542.00	18,142.30	7,327.24
派發股息		(7,041.27)	(5,598.60)	(5,598.60)
籌資活動產生的淨現金流量	(C)	5,900.16	13,764.51	(4,159.77)
匯率波動對翻譯儲備的影響	(D)	50.93	423.44	74.22

現金及現金等價物的淨增加/(減少) (A) + (B) + (C) + (D)		1,615.73	25,541.34	(7,354.54)

財務期間/年初的現金及現金等價物		162,768.90	136,456.49	136,456.49
添加：印度ICICI Lombard綜合保險有限公司和I-Process Services（India）私人有限公司作爲合併中的子公司期間/年度內		-	771.07	-
財務期間/年末的現金及現金等價物		164,384.63	162,768.90	129,101.95

1.	Cash and cash equivalents include cash in hand, foreign currency notes, balances with RBI, balances with other banks and money at call and short notice.

合併分部業績

（單位：億盧比）
序號	項目	截至三個月結束時			截至2022年6月30日的六個月		年度完結
		九月 30, 2024 (Q2-2025)	6月 30, 2024 (Q1-2025)	九月 30, 2023 (Q2-2024)	九月 30, 2024 (H1-2025)	九月 30, 2023 (H1-2024)	三月 31, 2024 （2024財年）
		(未經審計)	(未經審計)	(未經審計)	(未經審計)	(未經審計)	（經過審計）
1.	業務收入
a	零售銀行	38,750.86	37,378.46	33,080.02	76,129.32	64,137.23	134,547.57
b	批發銀行業務	20,388.83	19,392.15	17,383.77	39,780.98	33,452.90	71,780.22
c	國庫	33,563.89	32,651.54	27,718.83	66,215.43	54,024.35	113,701.83
d	其他銀行業務	2,075.55	1,497.42	1,497.57	3,572.97	3,064.20	6,403.40
e	人壽保險	13,888.43	11,335.68	13,413.14	25,224.11	23,350.83	54,236.13
f	普通保險	6,546.95	6,175.57	..	12,722.52	..	1,895.81
g	其他	5,184.30	4,436.39	3,287.17	9,620.69	6,416.95	14,036.87
	該板塊的總營業收入	120,398.81	112,867.21	96,380.50	233,266.02	184,446.46	396,601.83
	減：同業收入	47,456.26	45,597.15	39,088.24	93,053.41	75,070.20	160,564.11
	營業利潤	72,942.55	67,270.06	57,292.26	140,212.61	109,376.26	236,037.72
2.	各業務板塊的業績（即稅前利潤和少數股東權益）
a	零售銀行	5,556.19	4,239.07	4,895.97	9,795.26	9,074.60	18,849.17
b	批發銀行業務	5,197.53	4,912.07	4,670.00	10,109.60	8,749.70	19,971.71
c	國庫	4,587.70	5,477.73	3,826.64	10,065.43	8,189.15	14,640.88
d	其他銀行業務	306.75	314.13	323.65	620.88	755.31	1,638.40
e	人壽保險	286.36	260.23	248.31	546.59	456.79	923.23
f	普通保險	919.03	773.99	..	1,693.02	..	220.47
g	其他	2,164.03	1,683.11	1,367.63	3,847.14	2,712.03	6,009.70
	總部門結果	19,017.59	17,660.33	15,332.20	36,677.92	29,937.58	62,253.56
	減：分部間調整	521.13	898.94	507.97	1,420.07	798.72	1,819.20
	加：合營企業利潤份額	45.19	56.87	335.45	102.06	586.49	1,073.77
	稅前利潤和少數股東利益	18,541.65	16,818.26	15,159.68	35,359.91	29,725.35	61,508.13
3.	分部資產
a	零售銀行	778,247.73	747,392.84	668,057.40	778,247.73	668,057.40	719,313.62
b	批發銀行業務	502,717.35	491,263.38	463,638.43	502,717.35	463,638.43	482,456.10
c	國庫	645,790.96	617,563.37	556,107.71	645,790.96	556,107.71	634,054.80
d	其他銀行業務	99,697.42	85,504.40	85,485.62	99,697.42	85,485.62	89,305.62
e	人壽保險	326,637.20	313,150.94	276,072.97	326,637.20	276,072.97	298,795.29
f	普通保險	67,534.00	65,696.63	..	67,534.00	..	62,831.70
g	其他	103,293.30	95,096.58	79,509.73	103,293.30	79,509.73	87,996.61
h	未分配	5,373.78	5,439.56	7,409.61	5,373.78	7,409.61	7,571.17
	總費用	2,529,291.74	2,421,107.70	2,136,281.47	2,529,291.74	2,136,281.47	2,382,324.91
	減：分部間調整	12,780.18	13,712.88	11,431.72	12,780.18	11,431.72	18,261.88
	總部門資產	2,516,511.56	2,407,394.82	2,124,849.75	2,516,511.56	2,124,849.75	2,364,063.03
4.	分割負債
a	零售銀行	1,063,337.34	1,027,261.28	940,334.15	1,063,337.34	940,334.15	1,019,845.49
b	批發銀行業務	494,981.27	455,949.98	416,050.16	494,981.27	416,050.16	456,571.53
c	國庫	164,916.99	160,318.98	145,118.41	164,916.99	145,118.41	166,411.24
d	其他銀行業務	54,914.98	54,147.38	54,431.14	54,914.98	54,431.14	55,134.33
e	人壽保險	315,258.92	302,050.71	265,576.06	315,258.92	265,576.06	287,991.47
f	普通保險	53,159.31	52,402.27	..	53,159.31	..	50,358.96
g	其他	89,536.30	83,024.16	69,541.69	89,536.30	69,541.69	76,768.05
h	未分配	13,100.00	13,242.98	13,345.66	13,100.00	13,345.66	13,100.00
	總費用	2,249,205.11	2,148,397.74	1,904,397.27	2,249,205.11	1,904,397.27	2,126,181.07
	減：分部間調整	12,780.18	13,712.88	11,431.72	12,780.18	11,431.72	18,261.88
	各部門負債合計	2,236,424.93	2,134,684.86	1,892,965.55	2,236,424.93	1,892,965.55	2,107,919.19
5.	資本運營	280,086.63	272,709.96	231,884.20	280,086.63	231,884.20	256,143.84
6.	總和（4）+（5）	2,516,511.56	2,407,394.82	2,124,849.75	2,516,511.56	2,124,849.75	2,364,063.03

分段成果說明：

1.	分段報告披露是按照印度證券交易委員會(SEBI) 2016年7月5日發佈的《財務狀況調整格式和上市公司執行印度準則的通知》Circular No. CIR/CFD/FAC/62/2016進行編制的。

2.	'零售銀行'包括銀行滿足巴塞爾銀行監督委員會文件《資本測量和資本標準國際一致性框架：修訂版》中針對零售業務定向、產品、細分和個別敞口價值低等四個條件的銀行敞口。該板塊還包括來自信用卡、借記卡、第三方產品分銷和相關成本等方面的收入。

3.	'批發銀行'包括銀行對於信託、合夥企業、公司和法定機構未被納入零售業務的所有貸款。

4.	'資金管理'主要包括銀行的全部投資和衍生品組合。

5.	'其他銀行業務'包括租賃業務和未歸屬於銀行任何特定業務板塊的其他項目。此外，它還包括銀行的銀行子公司，即印度工業信貸投資銀行和印度工業信貸投資銀行加拿大分行。

6.	'人壽保險'代表印度ICICI普瑞生命保險公司。

7.	「一般保險」代表的是印度工業信貸投資銀行洛巴德一般保險有限公司。

8.	'其他'包括未涵蓋在上述任何板塊中的銀行的合併實體。

9.	'未分配'包括預付稅款淨額、遞延稅款以及在實體層面計算的撥備等項目。

獨立和合並財務報告的註釋

董事會已於2024年10月26日召開的會議上批准了上述獨立和合並財務業績。聯合法定核數師已對2025年第2季度和2025年上半年的獨立和合並財務業績進行了有限審查，併發布了一份無保留意見報告。

根據《會計準則第25號：「中期財務報告」（『AS 25』）》中規定的確認和計量原則，根據2013年公司法第133條規定，1949年銀行法的相關規定，印度儲備銀行（「RBI」）不時頒發的通函、指導方針和指導，2002年《印度保險監管和發展局》（『IRDAI』）《保險公司財務報表和審計報告的編制規則》（『IRDAI準則』）適用於保險主體的相關會計準則以及其他印度普遍公認的會計準則，並且在境外司法管轄區的情況下，適用一般公認的會計準則，並遵守印度證券交易委員會證券交易委員會（SEBI）2015年《上市義務和披露要求》（「SEBI條例」）附錄33和附錄52（4）以及附錄63的表述和披露要求。該財務基礎已得到修訂，包括SEBI不時發佈的相關通函。

2024年9月30日實施的《針對Covid-19相關壓力的解決方案框架》下實施的決議計劃的詳細信息，根據印度儲備銀行2020年8月6日（解決方案框架1.0）和2021年5月5日（解決方案框架2.0）的通函如下：

盧比。以千萬計
借款人類型	執行清算計劃後被歸類爲標準帳戶的風險敞口——截至2024年3月31日的狀況 (A)	在 (A) 中，在 H1-2025 期間滑入不良貸款的債務總額²	H1-2025 期間註銷的 (A) 筆金額	在 H1-2025 期間，借款人支付的（A）筆金額³	執行清算計劃後被歸類爲標準帳戶的風險敞口 — 2024 年 9 月 30 日
個人貸款⁴	1,303.98	48.56	2.25	147.75	1,107.67
法人人士¹	816.58	..	..	26.03	790.55
其中，微型企業和中小企業	..	..	..	..	..
其他	402.79	4.12	1.10	47.92	350.75
總計	2,523.35	52.68	3.35	221.70	2,248.97

	1. 包括印度儲備銀行2023年《商業銀行投資組合的分類、估值和運營》指引的過渡影響（自2024年4月1日起生效），金額爲27.25億盧比。
	2. 包括在期間已被註銷的案件。
	3. 在期間淨增長曝光的淨值。
	4. 包括各種類別的零售貸款。
4.	根據印度儲備銀行關於2021年9月24日貸款敞口轉移的主管指令，銀行出售/收購的貸款詳情如下：
	a) 未違約貸款
	(i) 2024年9月30日結束的六個月內通過轉讓出售/收購的未違約貸款詳情：

以億盧比計
	項目	已獲得的貸款	已售貸款
	貸款金額	5,767.49	..
	加權平均剩餘期限（年）	8.61	..
	發起人持有期的加權平均時間（年）	1.01	..
	發起人保留的經濟利益份額	2,186.69	..
	實體安防-半導體覆蓋（次數）	1.59	..

		1. The Bank has acquired unfunded loans amounting to ₹ 477.69 crore and not sold any unfunded loans for six month ended September 30, 2024 through novation.
		2. In addition, the Bank has not acquired any loan through risk participation from secondary market.
		3. The disclosure includes loans acquired through buyout and co-lending similar to direct assignment.
	(ii)	Details of rating-wise distribution of the loans sold/acquired under assignment during six months ended September 30, 2024:

₹ in crore
	Rating	Loans acquired	Loans sold
	Ind A-, A+, A,A+	546.97	..
	ICRA A-,AA-	172.54	..
	Crisil A,A+,AA	45.25	..

		1. Excluding retail and other unrated loans.

	b) Stressed loans (NPA and Special Mention Account accounts)
	(i)	Details of stressed loans classified as NPA sold by the Bank during six months ended September 30, 2024:

₹ in crore
	Particulars	To ARCs	To permitted transferees
	Number of accounts	12	..
	Aggregate principal outstanding of loans transferred²	129.89	..
	Weighted average residual tenor of the loans transferred³	..	..
	Net book value of loans transferred (at the time of transfer)⁴	..	..
	Aggregate consideration	140.98	..
	Additional consideration realized in respect of accounts transferred in earlier years	..	..

		1. Excess provision reversed to profit and loss account on account of sale of NPAs to ARCs was ₹ 129.89 crore and no amount was transferred to other permitted transferees.
		2. Net of write-off.
		3. For NPAs, the Bank issues loan recall notice and initiates legal proceedings for recovery, due to which the weighted average residual tenor is not applicable.
		4. Net of write-off and provisions.

(ii)

The Bank has not sold/acquired loans classified as Special Mention Account during six months ended September 30, 2024.

(iii)

The Bank has not acquired non-performing loans during six months ended September 30, 2024.

(iv)

Details of rating-wise distribution of SRs held by the Bank at September 30, 2024:

₹ in crore
	Rating	NAV estimate %	Carrying value¹
	RR1	Above 100%	305.26
	RR2	Above 75% upto 100%	..
	RR3	Above 50% upto 75%	234.18
	RR4	Above 25% upto 50%	..
	RR5	Upto 25%	657.97
	Total		1,197.41

		1. Amount represents net of provisions.
		2. The Bank holds marked-to-market loss of ₹ 332.97 crore and additional provision of ₹ 876.13 crore.
5.	At September 30, 2024, the Bank holds contingency provision of ₹ 13,100.00 crore (June 30, 2024, March 31, 2024 and September 30, 2023: ₹ 13,100.00 crore) .
6.	There are no changes in the significant accounting policies applied during H1-2025 as compared to those applied in FY2024 except for classification and measurement of investments by the Bank. With effect from April 1, 2024, the Bank has implemented Master Direction issued by the RBI on Classification, Valuation and Operation of investment Portfolio of Commercial Banks (Directions), 2023 (‘RBI Directions’) which has introduced significant changes in the basis of classification and accounting of investments and recognition of fair valuation of gains and losses. Accordingly, in standalone financial results, the Bank has accounted net transition gain of ₹ 2,058.31 crore (net of tax) and ₹ 1,156.10 crore (net of tax) in Available for Sale (‘AFS’) Reserve and General Reserve respectively in accordance with the RBI Directions. For the purpose of consolidation, from H1-2025, the domestic group entities (except insurance subsidiaries), have aligned with the Bank’s accounting policies including the aforesaid RBI Directions. Accordingly, the Group has accounted net transition gain of ₹ 2,058.31 crore (net of tax and minority interest) and ₹ 1,408.29 crore (net of tax and minority interest) in AFS Reserve and General Reserve respectively in accordance with the RBI Directions. Subsequent changes in fair value of performing investments under AFS and Fair Value Through Proft and Loss (‘FVTPL’) (including Held For Trading (‘HFT’)) categories at September 30, 2024 have been recognised through AFS reserve and Profit and Loss account respectively. Accordingly, the amounts for previous periods are not comparable.
7.	During Q2-2025, the Bank has allotted 10,013,046 equity shares of ₹ 2 each pursuant to exercise of employee stock options/units.
8.	ICICI Lombard General Insurance Company Limited ceased to be an associate and became a subsidiary of the Bank effective from February 29, 2024. I-Process Services (India) Private Limited ceased to be an associate and became a subsidiary of the Bank effective from March 20, 2024. Subsequently, I-Process Services (India) Private Limited became a wholly-owned subsidiary of the Bank effective from March 22, 2024. Accordingly, the consolidated financial results for Q1-2025, Q2-2025 and H1-2025 are not comparable with the previous period/year.
9.	In accordance with RBI guidelines, consolidated Pillar 3 disclosure (unaudited), leverage ratio, liquidity coverage ratio and net stable funding ratio is available at https://www.icicibank.com/regulatory-disclosure.page.
10.	Previous period/year figures have been re-grouped/re-classified where necessary to conform to current period classification.
11.	The above standalone and consolidated financial results for Q2-2025 and H1-2025 have been reviewed by the joint statutory auditors, B S R & Co. LLP, Chartered Accountants and C N K & Associates LLP, Chartered Accountants. The standalone and consolidated financial results for Q1-2025, H1-2024 and FY2024 were reviewed/audited by the joint statutory auditors, M S K A & Associates, Chartered Accountants and KKC & Associates LLP, Chartered Accountants, on which they had issued unmodified conclusion/opinion.
12.	₹ 1.00 crore = ₹ 10.0 million.

	For and on behalf of the Board of Directors

	/s/ Ajay Kumar Gupta
	Ajay Kumar Gupta
Mumbai	Executive Director
October 26, 2024	DIN-07580795

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants

14^th Floor, Central B Wing and North C Wing	3rd Floor, Mistry Bhavan,
Nesco IT Park 4, Nesco Center	Dinshaw Vachha Road,
Western Express Highway, Goregaon (East)	Churchgate
Mumbai – 400 063, India	Mumbai- 400 020, India

Independent Auditors’ limited review report on unaudited standalone financial results for the quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 of the ICICI Bank Limited pursuant to Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended

To the Board of Directors of

ICICI Bank Limited

We have reviewed the accompanying Statement of unaudited standalone financial results of ICICI Bank Limited (hereinafter referred to as ‘the Bank’) for the quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 (‘the Statement’), being submitted by the Bank pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (‘the SEBI’) (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (‘the Listing Regulations’), except for the disclosures prescribed by the Reserve Bank of India (the ‘RBI’), relating to Pillar 3 disclosures as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

This Statement, which is the responsibility of the Bank’s management and approved by its Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 “Interim Financial Reporting” (‘AS 25’), prescribed under Section 133 of the Companies Act, 2013, read with relevant rules issued thereunder, in so far as they apply to banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the RBI from time to time (‘the RBI Guidelines’) and other accounting principles generally accepted in India, and in compliance with Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations. Our responsibility is to issue a report on the Statement based on our review.

We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 “Review of Interim Financial Information Performed by the Independent Auditor of the Entity”, issued by the Institute of Chartered Accountants of India. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants

Based on our review conducted as above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in the aforesaid accounting standard and other accounting principles generally accepted in India and the RBI guidelines, has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations, including the manner in which it is to be disclosed, or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters except for the disclosures relating to Pillar 3 disclosures as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

The standalone financial results of the Bank for the three months ended 30 June 2024 were reviewed jointly by the predecessor auditors whose report dated 27 July 2024 had expressed an unmodified conclusion. The standalone financial results of the Bank for the year ended 31 March 2024 were audited jointly by the predecessor auditors whose report dated 27 April 2024 had expressed an unmodified opinion. The standalone financial results of the Bank for corresponding quarter ended 30 September 2023 and corresponding period from 1 April 2023 to 30 September 2023 were reviewed jointly by the predecessor auditors whose report dated 21 October 2023 had expressed an unmodified conclusion.

Our review report is not modified in respect of the above matters.

For B S R & Co. LLP Chartered Accountants Firm Registration no.: 101248W/W-100022	For C N K & Associates LLP Chartered Accountants Firm Registration no.: 101961W/W100036


/s/ Ashwin Suvarna Ashwin Suvarna Partner Membership No.: 109503	/s/ Manish Sampat Manish Sampat Partner Membership No.: 101684
UDIN: 24109503BKCSLL3444	UDIN: 24101684BKEJKL7904

Place: Mumbai	Place: Mumbai
Date: 26 October 2024	Date: 26 October 2024

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants
14^th Floor, Central B Wing and North C Wing	3rd Floor, Mistry Bhavan,
Nesco IT Park 4, Nesco Center	Dinshaw Vachha Road,
Western Express Highway, Goregaon (East)	Churchgate
Mumbai – 400 063, India	Mumbai- 400 020, India

Limited review report (unmodified) on unaudited quarterly consolidated financial results and consolidated year-to-date results for quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 of ICICI Bank Limited pursuant to Regulation 33 and Regulation 52(4) read with Regulation 63 of the of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended

To the Board of Directors of

ICICI Bank Limited

We have reviewed the accompanying Statement of unaudited consolidated financial results of ICICI Bank Limited (hereinafter referred to as “the Parent”), and its subsidiaries (the Parent and its subsidiaries together referred to as “the Group”), and its share of the net profit after tax of its associates for the quarter ended 30 September 2024 and year to date results for the period from 1 April 2024 to 30 September 2024 (“the Statement”), being submitted by the Parent pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“Listing Regulations”), except for the disclosures prescribed by the Reserve Bank of India (the 'RBI') relating to consolidated Pillar 3 disclosures as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

This Statement, which is the responsibility of the Parent’s management and approved by the Parent’s Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25 “Interim Financial Reporting” (“AS 25”), prescribed under Section 133 of the Companies Act, 2013, read with relevant rules issued thereunder, in so far as they apply to banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, the guidelines and directions issued by the Reserve Bank of India (RBI) (“RBI Guidelines”) and guidelines issued by Insurance Regulatory and Development Authority of India (“IRDAI guidelines”) as applicable, and other accounting principles generally accepted in India and in compliance with Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review.

We also performed procedures in accordance with the circular issued by the Securities and Exchange Board of India under Regulation 33(8) of the Listing Regulations, to the extent applicable.

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants

The Statement includes the results of the entities mentioned in Annexure 1.

Based on our review conducted and procedures performed as stated in paragraph 3 above and based on the consideration of the review reports of the other auditors referred to in paragraph 6 below, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in the aforesaid Accounting Standard, RBI Guidelines, IRDAI guidelines, as applicable and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Listing Regulations, including the manner in which it is to be disclosed, except for the disclosures relating to consolidated Pillar 3 disclosure as at 30 September 2024, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 9 to the Statement and have not been reviewed by us.

We did not review the interim financial information of 6 subsidiaries included in the Statement, whose interim financial information reflect total assets (before consolidation adjustments) of Rs. 466,262.44 crores as at 30 September 2024 and total revenues (before consolidation adjustments) of Rs. 23,869.35 crores and Rs. 44,146.26 crores, total net profit after tax (before consolidation adjustments) of Rs. 2,139.67 crores and Rs. 3,690.04 crores, for the quarter ended 30 September 2024 and for the period from 1 April 2024 to 30 September 2024, respectively, and cash flows (net) of (Rs. 1,717.61) crores for the period from 1 April 2024 to 30 September 2024, as considered in the Statement. These interim financial information have been reviewed by other auditors whose reports have been furnished to us by the Parent’s management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of these subsidiaries, is based solely on the reports of the other auditors and the procedures performed by us as stated in paragraph 3 above.

Our conclusion is not modified in respect of this matter.

Further, 3 subsidiaries whose interim financial information reflects total assets of Rs. 31,390.95 crores (before consolidation adjustments) as at 30 September 2024 and total revenues of Rs. 1,706.17 crores and Rs. 3,340.19 crores (before consolidation adjustments) and total net profit after tax of Rs. 403.95 crores and Rs. 913.97 crores (before consolidation adjustments) for the quarter and half year ended 30 September 2024 respectively and the cash flows (net) of Rs. 2,345.33 crores (before consolidation adjustments) for the period 1 April 2024 to 30 September 2024, as considered in the Statement has been reviewed by only one of the joint auditors of the Bank and our conclusion on the Statement in so far as it relates to the amounts and disclosures included in respect of this subsidiary, is based solely on the review report issued by the said auditors of the subsidiary company and the procedures performed as stated in paragraph 3 above.

Our conclusion is not modified in respect of this matter.

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants

The Statement includes the financial information of 9 subsidiaries which have not been reviewed, whose interim financial information reflect total assets (before consolidation adjustments) of Rs. 53,803.29 crores as at 30 September 2024 and total revenue (before consolidation adjustments) of Rs. 859.38 crores and Rs. 1,711.44 crores and total net profit after tax (before consolidation adjustments) of Rs. 184.10 crores and Rs. 376.15 crores for the quarter ended 30 September 2024 and for the period from1 April 2024 to 30 September 2024, respectively, and cash flows (net) (before consolidation adjustments) of (Rs. 41.75) crores for the period from 1 April 2024 to 30 September 2024, as considered in the Statement. The Statement also includes the Group’s share of net profit after tax of Rs. 45.19 crores and Rs. 102.06 crores for the quarter ended 30 September 2024 and for the period from 1 April 2024 to 30 September 2024, respectively in respect of 6 associates, based on their financial information which have not been reviewed. According to the information and explanations given to us by the Parent’s management, these interim financial information are not material to the Group.

Our conclusion is not modified in respect of this matter.

The joint statutory auditors of ICICI Prudential Life Insurance Company Limited ('ICICI Life'), vide their review report dated 25 October 2024 have expressed an unmodified opinion and have reported in the 'Other Matter' section that ‘The actuarial valuation of liabilities for life policies in force and for policies in respect of which premium has been discontinued but liability exists as at 30 September 2024 is the responsibility of the Company's Appointed Actuary (the ‘Appointed Actuary’). The actuarial valuation of these liabilities for life policies in force and for policies in respect of which premium has been discontinued but liability exists as at 30 September 2024 has been duly certified by the Appointed Actuary and in his opinion, the assumptions for such valuation are in accordance with the guidelines and norms issued by the Insurance Regulatory and Development Authority of India ('IRDAI') and the Institute of Actuaries of India in concurrence with the Authority. The joint auditors have relied upon the Appointed Actuary's certificate in this regard for forming their opinion on the valuation of liabilities for life policies in force and for policies in respect of which premium has been discontinued but liability exists, as contained in the group reporting pack of the Company’.

Our conclusion is not modified in respect of this matter.

10.

The joint statutory auditors of ICICI Lombard General Insurance Company Limited ('ICICI General'), vide their audit report dated 18 October 2024, have expressed an unmodified opinion and have reported in the 'Other Matter' section that, 'The actuarial valuation of liabilities in respect of Incurred But Not Reported ('IBNR'), Incurred But Not Enough Reported ('IBNER') and Premium Deficiency Reserve ('PDR') is the responsibility of the Company's Appointed Actuary (the 'Appointed Actuary'). The actuarial valuation of these liabilities, that are estimated using statistical methods as at 30 September 2024 has been duly certified by the Appointed Actuary and in his opinion, the assumptions considered by him for such valuation are in accordance with the guidelines and norms issued by the IRDAI and the Institute of Actuaries of India in concurrence with IRDAI. The joint auditors have relied upon the Appointed Actuary's certificate in this regard for forming their opinion on the valuation of liabilities for outstanding claims reserves and PDR contained in the group reporting pack of the Company.’

Our conclusion is not modified in respect of this matter.

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants

11.

The consolidated financial results of the Group and its associates for the three months ended 30 June 2024 were reviewed jointly by the predecessor auditors whose report dated 27 July 2024 had expressed an unmodified conclusion. The consolidated financial results of the Group and its associates for the year ended 31 March 2024 were audited jointly by the predecessor auditors whose report dated 27 April 2024 had expressed an unmodified opinion. The Consolidated financial results of the group and its associates for the corresponding quarter ended 30 September 2023 and corresponding period from 1 April 2023 to 30 September 2023 were reviewed jointly by the predecessor auditors whose report dated 21 October 2023 had expressed an unmodified conclusion.

Our conclusion on the Statement is not modified in respect of this matters.

For B S R & Co. LLP Chartered Accountants Firm Registration no.: 101248W/W-100022	For C N K & Associates LLP Chartered Accountants Firm Registration no.: 101961W/W100036


/s/ Ashwin Suvarna Ashwin Suvarna Partner Membership No.: 109503 UDIN: 24109503BKCSLN3355	/s/ Manish Sampat Manish Sampat Partner Membership No.: 101684 UDIN: 24101684BKEJKM1958

Place: Mumbai	Place: Mumbai
Date: 26 October 2024	Date: 26 October 2024

B S R & Co. LLP	C N K & Associates LLP
Chartered Accountants	Chartered Accountants

Annexure 1

List of entities included in the statement.

Parent Entity

ICICI Bank Limited

Subsidiaries

ICICI Bank UK PLC

ICICI Bank Canada

ICICI Securities Limited

ICICI Securities Holdings Inc.

ICICI Securities Inc.

ICICI Securities Primary Dealership Limited

ICICI Venture Funds Management Company Limited

ICICI Home Finance Company Limited

10.

ICICI Trusteeship Services Limited

11.

ICICI Investment Management Company Limited

12.

ICICI International Limited

13.

ICICI Prudential Pension Funds Management Company Limited

14.

ICICI Prudential Life Insurance Company Limited

15.

ICICI Lombard General Insurance Company Limited

16.

ICICI Prudential Asset Management Company Limited

17.

ICICI Prudential Trust Limited

18.

I-Process Services (India) Private Limited

19.

ICICI Strategic Investments Fund

Associates

20.

NIIT Institute of Finance Banking and Insurance Training Limited

21.

ICICI Merchant Services Private Limited

22.

India Infradebt Limited

23.

India Advantage Fund-III

24.

India Advantage Fund-IV

25.

Arteria Technologies Private Limited

ICICI Bank Limited

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News Release

October 26, 2024

Performance Review: Quarter ended September 30, 2024

·	Profit before tax excluding treasury grew by 7.9% year-on-year to ₹ 14,810 crore (US$ 1.8 billion) in the quarter ended September 30, 2024 (Q2-2025)

·	Core operating profit grew by 12.1% year-on-year to ₹ 16,043 crore (US$ 1.9 billion) in Q2-2025

Excluding dividend income from subsidiaries/associates, core operating profit grew by 13.4% year-on-year in Q2-2025

·	Profit after tax grew by 14.5% year-on-year to ₹ 11,746 crore (US$ 1.4 billion) in Q2-2025

·	Total period-end deposits grew by 15.7% year-on-year to ₹ 14,97,761 crore (US$ 178.7 billion) at September 30, 2024

·	Average deposits grew by 15.6% year-on-year to ₹ 14,28,095 crore (US$ 170.4 billion) at September 30, 2024

Average current account and savings account (CASA) ratio was 38.9% in Q2-2025

·	Domestic loan portfolio grew by 15.7% year-on-year to ₹ 12,43,090 crore (US$ 148.3 billion) at September 30, 2024

·	Net NPA ratio was 0.42% at September 30, 2024 compared to 0.43% at June 30, 2024

·	Provisioning coverage ratio on non-performing loans was 78.5% at September 30, 2024

·	Including profits for the six months ended September 30, 2024 (H1-2025), total capital adequacy ratio was 16.66% and CET-1 ratio was 15.96% on a standalone basis at September 30, 2024

The Board of Directors of ICICI Bank Limited (NSE: ICICIBANK, BSE: 532174, NYSE: IBN) at its meeting held at Mumbai today, approved the standalone and consolidated accounts of the Bank for the quarter ended September 30, 2024 (Q2- 2025). The statutory auditors have conducted a limited review and have issued an unmodified report on the standalone and consolidated financial statements for the quarter ended September 30, 2024.

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Profit & loss account

·	Profit before tax excluding treasury grew by 7.9% year-on-year to ₹ 14,810 crore (US$ 1.8 billion) in Q2-2025 from ₹ 13,731 crore (US$ 1.6 billion) in the quarter ended September 30, 2023 (Q2-2024)

·	Core operating profit grew by 12.1% year-on-year to ₹ 16,043 crore (US$ 1.9 billion) in Q2-2025 from ₹ 14,314 crore (US$ 1.7 billion) in Q2-2024

·	Net interest income (NII) increased by 9.5% year-on-year to ₹ 20,048 crore (US$ 2.4 billion) in Q2-2025 from ₹ 18,308 crore (US$ 2.2 billion) in Q2-2024

·	The net interest margin was 4.27% in Q2-2025 compared to 4.36% in Q1-2025 and 4.53% in Q2-2024

·	Non-interest income, excluding treasury, increased by 10.8% year-on-year to ₹ 6,496 crore (US$ 775 million) in Q2-2025 from ₹ 5,861 crore (US$ 699 million) in Q2-2024

·	Fee income grew by 13.3% year-on-year to ₹ 5,894 crore (US$ 703 million) in Q2-2025 from ₹ 5,204 crore (US$ 621 million) in Q2-2024. Fees from retail, rural and business banking customers constituted about 78% of total fees in Q2-2025

·	Treasury gains were ₹ 680 crore (US$ 81 million) in Q2-2025 as compared to a treasury loss of ₹ 85 crore (US$10 million) in Q2-2024 reflecting realised and mark-to-market gains in equity and fixed income securities

·	Provisions (excluding provision for tax) were ₹ 1,233 crore (US$ 147 million) in Q2-2025 compared to ₹ 583 crore (US$ 70 million) in Q2-2024 and ₹ 1,332 (US$ 159 million) in Q1-2025

·	Profit before tax grew by 13.5% year-on-year to ₹ 15,490 crore (US$ 1.8 billion) in Q2-2025 from ₹ 13,646 crore (US$ 1.6 billion) in Q2-2024

·	Profit after tax grew by 14.5% year-on-year to ₹ 11,746 crore (US$ 1.4 billion) in Q2-2025 from ₹ 10,261 crore (US$ 1.2 billion) in Q2-2024

Credit growth

The Bank has revised the presentation of loans to reflect a consolidated view of the business banking portfolio. This comprises all borrowers with a turnover of upto ₹ 750 crore (US$ 90 million), which was earlier reflected in the reported SME and business banking portfolios, rural business credit forming part of the rural portfolio, dealer funding forming part of the retail portfolio and lending to mid-corporates forming part of the corporate portfolio. Over the past few years, the Bank has seen healthy loan growth in this category and has adopted an integrated approach to coverage, credit and delivery to these customers. Aligning with the same, the Bank would be reporting the retail, rural, business banking and corporate portfolios on this revised basis.

The net domestic advances grew by 15.7% year-on-year and 4.6% sequentially at September 30, 2024. The retail loan portfolio grew by 14.2% year-on-year and 2.9% sequentially, and comprised 53.0% of the total loan portfolio at September 30, 2024. Including non-fund outstanding, the retail portfolio was 44.9% of the total portfolio at September 30, 2024. The business banking portfolio grew by

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30.0% year-on-year and 10.7% sequentially at September 30, 2024. The rural portfolio grew by 16.5% year-on-year and 1.7% sequentially at September 30, 2024. The domestic corporate portfolio grew by 11.8% year-on-year and 4.9% sequentially at September 30, 2024. Total advances increased by 15.0% year-on-year and 4.4% sequentially to ₹ 12,77,240 crore (US$ 152.4 billion) at September 30, 2024.

The Bank continued to enhance the use of technology in its operations to provide simplified solutions to customers. About 72% of trade transactions were done digitally in Q2-2025. The volume of transactions done through Trade Online platform grew by 20.0% year-on-year in Q2-2025. The value of the Bank’s merchant acquiring transactions through UPI grew by 27.9% year-on-year in Q2-2025.

Deposit growth

Total period-end deposits increased by 15.7% year-on-year and 5.0% sequentially to ₹ 14,97,761 crore (US$ 178.7 billion) at September 30, 2024. Period-end term deposits increased by 15.9% year-on-year and 5.5% sequentially to ₹ 8,89,038 crore (US$ 106.1 billion) at September 30, 2024. Average deposits increased by 15.6% year-on-year and 3.6% sequentially to ₹ 14,28,095 crore (US$ 170.4 billion) in Q2-2025. Average current account deposits increased by 10.8% year-on-year and 0.3% sequentially in Q2-2025. Average savings account deposits increased by 10.2% year-on-year and 2.3% sequentially in Q2-2025.

With the addition of 90 branches during H1-2025, the Bank had a network of 6,613 branches and 16,120 ATMs & cash recycling machines at September 30, 2024.

Asset quality

The gross NPA ratio was 1.97% at September 30, 2024 compared to 2.15% at June 30, 2024. The net NPA ratio was 0.42% at September 30, 2024 compared to 0.43% at June 30, 2024. The gross NPA additions were ₹ 5,073 crore (US$ 605 million) in Q2-2025 compared to ₹ 5,916 crore (US$ 706 million) in Q1-2025. Recoveries and upgrades of NPAs, excluding write-offs and sale, were ₹ 3,319 crore (US$ 396 million) in Q2-2025 compared ₹ 3,292 crore (US$ 393 million) in Q1-2025. The net additions to gross NPAs, excluding write-offs and sale, were ₹ 1,754 crore (US$ 209 million) in Q2-2025 compared to ₹ 2,624 crore (US$ 313 million) in Q1-2025. The Bank has written-off gross NPAs amounting to ₹ 3,336 crore (US$ 398 million) in Q2-2025. The provisioning coverage ratio on non-performing loans was 78.5% at September 30, 2024.

Excluding NPAs, the total fund based outstanding to all borrowers under resolution as per the various extant regulations/guidelines declined to ₹ 2,546 crore (US$ 304 million) or 0.2% of total advances at September 30, 2024 from ₹ 2,735 crore (US$ 326 million) at June 30, 2024. The Bank holds provisions amounting to ₹ 812 crore (US$ 97 million) against these borrowers under

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resolution, as of September 30, 2024. In addition, the Bank continues to hold contingency provisions of ₹ 13,100 crore (US$ 1.6 billion) at September 30, 2024.

In line with the revised presentation of composition of the loan portfolio, the Bank would be providing the BB and below corporate portfolio from the current quarter onwards. The loan and non-fund based outstanding to performing corporate borrowers rated BB and below was ₹ 3,386 crore (US$ 404 million) at September 30, 2024 compared to ₹ 4,164 crore (US$ 497 million) at June 30, 2024.

Capital adequacy

Including profits for the six months ended September 30, 2024 (H1-2025), the Bank’s total capital adequacy ratio at September 30, 2024 was 16.66% and CET-1 ratio was 15.96% compared to the minimum regulatory requirements of 11.70% and 8.20% respectively.

Consolidated results

The consolidated profit after tax increased by 18.8% year-on-year to ₹ 12,948 crore (US$ 1.5 billion) in Q2-2025 from ₹ 10,896 crore (US$ 1.3 billion) in Q2-2024.

Consolidated assets grew by 18.4% year-on-year to ₹ 25,16,512 crore (US$ 300.3 billion) at September 30, 2024 from ₹ 21,24,850 crore (US$ 253.6 billion) at September 30, 2023.

Key subsidiaries

The annualised premium equivalent of ICICI Prudential Life Insurance (ICICI Life) was ₹ 4,467 crore (US$ 533 million) in H1-2025 as compared to ₹ 3,523 crore (US$ 420 million) in H1-2024. Value of New Business (VNB) of ICICI Life increased year-on-year by 4.2% to ₹ 1,058 crore (US$ 126 million) in H1-2025 compared to ₹ 1,015 crore (US$ 121 million) in H1-2024. The VNB margin was 23.7% in H1-2025 compared to 24.6% in FY2024. The profit after tax increased to ₹ 252 crore (US$ 30 million) in Q2-2025 from ₹ 244 crore (US$ 29 million) in Q2-2024.

The Gross Direct Premium Income (GDPI) of ICICI Lombard General Insurance Company (ICICI General) increased by 10.4% year-on-year to ₹ 6,721 crore (US$ 802 million) in Q2-2025 from ₹ 6,086 crore (US$ 726 million) in Q2-2024. The combined ratio stood at 104.5% in Q2-2025 compared to 103.9% in Q2-2024. The profit after tax of ICICI General increased by 20.2% to ₹ 694 crore (US$ 83 million) in Q2-2025 from ₹ 577 crore (US$ 69 million) in Q2-2024.

The profit after tax of ICICI Prudential Asset Management Company, as per Ind AS, increased to ₹ 694 crore (US$ 83 million) in Q2-2025 from ₹ 501 crore (US$ 60 million) in Q2-2024.

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The profit after tax of ICICI Securities, on a consolidated basis, as per Ind AS, increased to ₹ 529 crore (US$ 63 million) in Q2-2025 from ₹ 424 crore (US$ 51 million) in Q2-2024.

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Summary Profit and Loss Statement (as per standalone Indian GAAP accounts)

						₹ crore
	FY2024	Q2-2024	H1-2024	Q1-2025	Q2-2025	H1-2025
	Audited	Unaudited	Unaudited	Unaudited	Unaudited	Unaudited
Net interest income	74,306	18,308	36,535	19,553	20,048	39,601
Non-interest income	22,949	5,861	11,044	6,389	6,496	12,885
- Fee income	20,796	5,204	10,047	5,490	5,894	11,384
- Dividend income from subsidiaries/associates	2,073	648	939	894	541	1,435
- Other income	80	9	58	5	61	66
Less:
Operating expense	39,133	9,855	19,378	10,530	10,501	21,031
*Core operating profit¹*	*58,122*	*14,314*	*28,201*	*15,412*	*16,043*	*31,455*
Total net provision	3,643	583	1,875	1,332	1,233	2,565
- Contingency provisions²	-	-	-	-	-	-
- Other provisions	3,643	583	1,875	1,332	1,233	2,565
Profit before tax excl. treasury	54,479	13,731	26,326	14,080	14,810	28,890
Treasury	9³	(85)	167	613	680	1,293
Profit before tax	54,488	13,646	26,493	14,693	15,490	30,183
Less:
Provision for taxes	13,600	3,385	6,584	3,634	3,744	7,378
Profit after tax	40,888	10,261	19,909	11,059	11,746	22,805

Excluding treasury

The Bank continues to hold contingency provision of ₹ 13,100 crore (US$ 1.6 billion) at September 30, 2024

The treasury loss during Q4-2024 includes the impact of transfer of negative balance of ₹ 340 crore (US$ 41 million) in Foreign Currency Translation Reserve related to Bank’s Offshore Unit in Mumbai to profit and loss account in view of the proposed closure of the Unit

Prior period numbers have been re-arranged wherever necessary

ICICI Bank Limited

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Summary balance sheet

				₹ crore
	30-Sep-23	31-Mar-24	30-Jun-24	30-Sep-24
	Unaudited	Audited	Unaudited	Unaudited
Capital and liabilities
Capital	1,401	1,405	1,407	1,409
Employee stock options outstanding	1,078	1,405	1,516	1,651
Reserves and surplus	2,13,570	2,35,589	2,51,071	2,56,480
Deposits	12,94,742	14,12,825	14,26,150	14,97,761
Borrowings (includes subordinated debt)	1,16,758	1,24,968	1,20,147	1,24,493
Other liabilities and provisions	93,231	95,323	92,406	95,064
Total capital and liabilities	17,20,780	18,71,515	18,92,697	19,76,858

Assets
Cash and balances with Reserve Bank of India	66,221	89,712	80,439	89,102
Balances with banks and money at call and short notice	43,241	50,214	30,224	47,697
Investments	4,13,253	4,61,942	4,75,256	4,79,098
Advances	11,10,542	11,84,406	12,23,154	12,77,240
Fixed assets	10,166	10,860	11,101	11,546
Other assets	77,357	74,381	72,523	72,175
Total assets	17,20,780	18,71,515	18,92,697	19,76,858

Prior period figures have been re-grouped/re-arranged wherever necessary

ICICI Bank Limited

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Certain definitions in this release relating to a future period of time (including inter alia concerning our future business plans or growth prospects) are forward-looking statements intended to qualify for the 'safe harbor' under applicable securities laws including the US Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. These risks and uncertainties include, but are not limited to statutory and regulatory changes, international economic and business conditions, political or economic instability in the jurisdictions where the Bank has operations or which affect global or Indian economic conditions, increase in nonperforming loans, unanticipated changes in interest rates, foreign exchange rates, equity prices or other rates or prices, our growth and expansion in business, the adequacy of our allowance for credit losses, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks, changes in India’s sovereign rating, as well as other risks detailed in the reports filed by us with the United States Securities and Exchange Commission. Any forward-looking statements contained herein are based on assumptions that the Bank believes to be reasonable as of the date of this release. ICICI Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. Additional risks that could affect our future operating results are more fully described in our filings with the United States Securities and Exchange Commission. These filings are available at www.sec.gov

This release does not constitute an offer of securities.

For further press queries please email Sujit Ganguli / Kausik Datta at sujit.ganguli@icicibank.com / datta.kausik@icicibank.com or corporate.communications@icicibank.com

For investor queries please email Abhinek Bhargava at abhinek.bhargava@icicibank.com or Nitesh Kalantri nitesh.kalantri@icicibank.com or ir@icicibank.com.

1 crore = 10.0 million

US$ amounts represent convenience translations at US$1= ₹ 83.80

Annexure

Brief Profile of Mr. Vipul Agarwal

Mr. Vipul Agarwal is a Chartered Accountant and joined the Bank in July 2006. He has an overall experience of 27 years. During his associate with the Bank, he has held multiple responsibilities across the Risk Management Group. Prior to joining the Bank, he has worked with Bharat Rasayan Limited and Kotak Mahindra Bank Limited. He heads Data Science and Analytics at the Bank.

ICICI Bank Limited

ICICI Bank Tower,

Bandra-Kurla Complex,

Mumbai – 400 051, India.

Tel: (91) (22) 4008 8900

Email: companysecretary@icicibank.com

Website: www.icicibank.com

CIN: L65190GJ1994PLC021012

Regd. Office: ICICI Bank Tower, Near Chakli Circle,

Old Padra Road, Vadodara 390 007, India

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorised.

		For ICICI Bank Limited


Date:	October 26, 2024	By:	/s/ Vivek Ranjan
			Name:	Vivek Ranjan
			Title:	Assistant General Manager