ICICI Bank Limited (IBN): Canvas du modèle d'entreprise [Jan-2025 MISE À JOUR]

Dans le paysage dynamique de la banque moderne, ICICI Bank Limited est un phare de l'innovation et de la centrée client, tirant parti d'une toile de modèle commercial sophistiqué qui transforme les services financiers traditionnels en une expérience transparente et axée sur la technologie. En intégrant stratégiquement des solutions numériques, des services personnalisés et une approche multicanal robuste, ICICI Bank s'est positionné comme une institution financière de premier plan qui non seulement répond, mais anticipe les besoins en évolution de divers segments de clients dans les domaines de la vente au détail, des entreprises et des domaines bancaires internationaux.

ICICI Bank Limited (IBN) - Modèle d'entreprise: partenariats clés

Alliances stratégiques avec les entreprises technologiques mondiales

ICICI Bank a établi des partenariats technologiques stratégiques avec:

Partenaire technologique	Focus de la collaboration	Année initiée
Microsoft	Cloud Computing et Solutions AI	2019
Ibm	Blockchain et cybersécurité	2017
SÈVE	Logiciel bancaire d'entreprise	2018

Partenariats avec les assurances et les prestataires de services financiers

ICICI Bank maintient des partenariats de services financiers stratégiques:

• ICICI Prudential Life Assurance (partenariat à vente croisée à 100%)
• ICICI Lombard General Insurance (coentreprise)
• ICICI Securities (plateforme de services financiers intégrés)

Collaboration avec les startups fintech

Startup fintech	Type de collaboration	Montant d'investissement
Paytm	Intégration des paiements numériques	275 ₹ crore
Razorpay	Solutions de paiement en ligne	100 ₹ crore
PolicyBazaar	Plateforme de technologie d'assurance	₹ 150 crore

Partenariats de la chaîne de vente au détail pour cartes de crédit co-marquées

• Amazon India (carte de crédit co-marquée)
• Flipkart (interface de paiement unifié)
• Big Bazaar (Retail Cashback Program)

Relations de réseaux bancaires internationaux

Banque internationale	Type de collaboration	Année établie
Banque à charte standard	Solutions de paiement transfrontalières	2015
Citibank	Services de transaction mondiale	2010
Hsbc	Partenariats de financement commercial	2017

ICICI Bank Limited (IBN) - Modèle d'entreprise: Activités clés

Services de vente au détail et de banque d'entreprise

Les services bancaires de détail de l'ICICI Bank en 2024 incluent:

Catégorie de service	Total des clients	Volume de transaction annuel
Banque de détail	78,4 millions	12,3 billions
Banque commerciale	65 000 clients d'entreprise	8,7 billions

Développement de la plate-forme bancaire numérique

Métriques bancaires numériques pour ICICI Bank:

• Utilisateurs des banques mobiles: 12,5 millions
• Transactions numériques: 85% du total des transactions
• Plateformes bancaires en ligne: iMobile, banque Internet

Gestion des risques et avis financier

Métrique de gestion des risques	Valeur
Actifs bruts non performants (NPA)	3.42%
Investissement de gestion des risques	₹ 1 250 crore

Évaluation de l'origine du prêt et du crédit

Répartition du portefeuille de prêts:

Catégorie de prêt	Montant total du prêt	Part de marché
Prêts personnels	2,3 billions	18.5%
Prêts d'entreprise	4,7 billions	22.3%

Services d'investissement et de gestion de la patrimoine

Mesures des services d'investissement:

• Total des actifs sous gestion (AUM): 5,6 billions de roupies
• Clients de gestion de la patrimoine: 250 000
• Catégories de produits d'investissement: fonds communs de placement, capitaux propres, dette, hybride

ICICI Bank Limited (IBN) - Modèle d'entreprise: Ressources clés

Réseau de succursale

En décembre 2023, ICICI Bank exploite:

Type de succursale	Compte total
Total des succursales	6,166
Branches rurales	2,541
Branches urbaines	3,625

Infrastructure bancaire numérique

Les capacités bancaires numériques comprennent:

• Utilisateurs des banques mobiles: 10,5 millions
• Utilisateurs des services bancaires sur Internet: 7,3 millions
• Volume des transactions numériques: 99,4% du total des transactions

Composition de la main-d'œuvre

Catégorie des employés	Nombre
Total des employés	98,287
Employés titulaires de diplômes avancés	62.4%
Âge des employés moyens	34,2 ans

Ressources financières

Mesures financières à partir de septembre 2023:

• Actif total: 14,54 billions
• Valeur nette: 1,16 billion de roupies
• Ratio d'adéquation des capitaux: 19,44%

Infrastructure technologique

Investissements technologiques:

• Dépenses informatiques annuelles: 3 245 crore ₹
• Investissement en cybersécurité: ₹ 412 crore
• IA et projets d'apprentissage automatique: 37 initiatives actives

ICICI Bank Limited (IBN) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour divers segments de clients

ICICI Bank propose une large gamme de produits financiers ciblant plusieurs segments de clients:

Segment de clientèle	Solutions financières	Pénétration annuelle du marché
Clients de détail	Prêts personnels, cartes de crédit	23,4 millions d'utilisateurs actifs
Petites entreprises	Prêts de fonds de roulement, crédits MSME	Portfolio de prêts de 1,42 billion de roupies
Clients des entreprises	Finance commerciale, gestion de la trésorerie	3,86 billions de roupies

Expériences bancaires numériques innovantes

Capacités bancaires numériques:

• Application bancaire mobile avec 10,2 millions d'utilisateurs actifs
• Plateforme bancaire Internet desservant 8,7 millions de clients
• Volume de transaction numérique: 4,56 billions de roupies par an

Services de conseil financier personnalisés

Offres de conseil avancées:

Service consultatif	Couverture	Revenus annuels
Gestion de la richesse	Individus de valeur nette élevée	12 500 ₹ crore
Conseil en investissement	Clients commerciaux et d'entreprise	8 700 ₹ crore

Taux d'intérêt concurrentiels et produits financiers

Compétition des taux d'intérêt:

• Prêt immobilier: 8,75% - 9,25%
• Prêt personnel: 10,50% - 11,75%
• Dépôt fixe: 6,50% - 7,25%

Expérience bancaire multicanal sans couture

Canal bancaire	Points de contact totaux	Transactions annuelles
Branches physiques	5 288 succursales	342 millions de transactions
Guichets automatiques	14 216 distributeurs automatiques de billets	276 millions de transactions
Plates-formes numériques	Banque en ligne / mobile	1,2 milliard de transactions numériques

ICICI BANK LIMITED (IBN) - Modèle d'entreprise: Relations clients

Support client personnalisé via plusieurs canaux

ICICI Bank propose le support client:

• 24h / 24 x 7: 1860-120-7777
• Canaux d'assistance par e-mail
• Plateformes de service client sur les réseaux sociaux
• Assistance personnelle basée sur les succursales

Canal de support	Temps de réponse moyen	Taux de satisfaction client
Support téléphonique	3-5 minutes	87.5%
Assistance par e-mail	24 heures	82.3%
Réseaux sociaux	2-4 heures	79.6%

Plates-formes de libre-service numériques

Les plates-formes numériques comprennent:

• Application Imobile: 12,5 millions d'utilisateurs actifs
• Banque Internet: 9,3 millions d'utilisateurs enregistrés
• Transactions UPI: 45,6 millions de transactions mensuelles

Programmes de fidélité et systèmes de récompense

Programme	Adhésion	Récompenses annuelles distribuées
Récompenses de la banque ICICI	4,2 millions de membres	₹ 687 crore
Récompenses de carte de crédit	3,8 millions de titulaires de carte	542 ₹ crore

Plateformes de communication régulières

Les stratégies de communication comprennent:

• Instructions de compte mensuel
• Newsletters financiers trimestriels
• SMS ciblés et communications par e-mail

Gestionnaires de relations dédiées

Catégorie client	Nombre de gestionnaires dédiés	Taille moyenne du portefeuille
Clients des entreprises	1 245 gestionnaires	5 200 crores de ₹ par gestionnaire
Individus à haute nette	890 gestionnaires	320 crore ₹ par manager

ICICI Bank Limited (IBN) - Modèle d'entreprise: canaux

Application bancaire mobile

L'application bancaire mobile d'ICICI Bank Imobile compte plus de 10 millions d'utilisateurs actifs en 2024. L'application prend en charge plus de 200 services et transactions bancaires.

Métriques d'application mobile	2024 statistiques
Total des téléchargements d'applications	15,3 millions
Utilisateurs actifs mensuels	10,2 millions
Volume de transaction	45 600 crore ₹ par mois

Site Web de banque en ligne

La plate-forme bancaire nette de l'ICICI Bank dessert environ 8,5 millions de clients en ligne en 2024.

• Transactions de site Web traitées quotidiennement: 2,3 millions
• Valeur de la transaction numérique: 68 400 crore ₹ par mois
• Langues soutenues: anglais, hindi

Réseau de succursale physique

ICICI Bank maintient 5 720 succursales à travers l'Inde en 2024.

Répartition des succursales	Nombre de branches
Branches urbaines	3,940
Branches rurales	1,780
Total des succursales	5,720

Infrastructure ATM

ICICI Bank exploite 18 500 guichets automatiques à l'échelle nationale en 2024.

• Compte de guichets automatiques urbains: 14 200
• Nombre de guichets automatiques ruraux: 4 300
• Transactions ATM mensuelles moyennes: 42,6 millions

Centres d'appels de service client

ICICI Bank maintient 12 centres de service à la clientèle gantant environ 1,2 million d'interactions client chaque mois.

Métriques du centre d'appel	2024 données
Centres d'appels totaux	12
Interactions mensuelles du client	1,2 million
Temps de réponse moyen	45 secondes

ICICI Bank Limited (IBN) - Modèle d'entreprise: segments de clientèle

Clients bancaires au détail

ICICI Bank dessert 69,4 millions de clients de détail en mars 2023. La clientèle de détail comprend:

Catégorie client	Nombre de clients
Détenteurs de compte d'épargne	52,1 millions
Utilisateurs de la carte de crédit	9,2 millions
Utilisateurs de la banque numérique	33,6 millions

Petites et moyennes entreprises

ICICI Bank soutient 1,45 million de clients PME avec des solutions bancaires spécialisées.

• Portfolio total de prêts PME: 204 103 crore en mars 2023
• Taille moyenne des billets de prêt PME: 1,4 crore ₹
• Secteurs industriels desservis: fabrication, trading, services

GRANDES clients d'entreprise

Le segment des services bancaires d'entreprise comprend 5 200 grands clients d'entreprise.

Segment de l'entreprise	Exposition totale
Portefeuille de prêts d'entreprise	381 670 crore
100 meilleurs clients d'entreprise	249 886 crore

Individus à haute nette

La banque ICICI cible 0,45 million de clients à haute nette.

• Richesse moyenne du client: 5,2 crore ₹
• Actifs de gestion de patrimoine: 187 500 crore ₹
• Clients bancaires premium: 125 000

Clients bancaires internationaux du NRI

Base de clients NRI dans 50 pays.

Région	Compte de clients NRI
Moyen-Orient	280,000
Amérique du Nord	210,000
Royaume-Uni	95,000
Autres régions	115,000

ICICI Bank Limited (IBN) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

Les coûts de maintenance des infrastructures technologiques de la Banque ICICI pour 2023-2024 étaient de 1 256 crore de livres sterling. La banque a investi 487 crore ₹ spécifiquement dans les mises à niveau de la cybersécurité et des infrastructures numériques.

Catégorie de coûts technologiques	Dépenses annuelles (crore ₹)
Systèmes bancaires de base	456
Infrastructure cloud	312
Cybersécurité	487

Salaires et formation des employés

Les dépenses totales des employés pour ICICI Bank en 2023 étaient de 7 842 crore de livres sterling. L'allocation de formation et de développement était de 124 crores de livres sterling.

• Salaire moyen des employés: 12,5 lakh par an
• Investissement de formation par employé: 58 000 ₹
• Total de main-d'œuvre: 94 216 employés

Dépenses opérationnelles du réseau de succursales

Les coûts opérationnels du réseau de succursales pour 2023-2024 étaient de 2 345 crores de livres sterling. La banque maintient 5 702 succursales à travers l'Inde.

Catégorie de dépenses de succursale	Coût annuel (crore ₹)
Loyer et entretien	876
Services publics	412
Dépenses du personnel de la succursale	1,057

Développement de plate-forme numérique

Les coûts de développement des plates-formes numériques pour 2023-2024 étaient de 687 crores de livres sterling. Le développement et la maintenance des applications bancaires mobiles ont représenté 214 crore.

• Utilisateurs des banques mobiles: 7,2 millions
• Utilisateurs des services bancaires sur Internet: 5,6 millions
• Volume de transaction numérique: 68% du total des transactions

Contacments de conformité réglementaire et de gestion des risques

Les dépenses de conformité réglementaire pour 2023-2024 ont totalisé 524 crores de livres sterling. L'investissement des infrastructures de gestion des risques était de 312 crore de ₹.

Catégorie de coût de conformité	Dépenses annuelles (crore ₹)
Représentation réglementaire	187
Conformité légale	213
Systèmes de gestion des risques	312

ICICI Bank Limited (IBN) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et avancées

Pour l'exercice 2023, la banque ICICI a déclaré un revenu net d'intérêts de 26 751 crore. La marge d'intérêt nette de la banque s'élevait à 4,26% pour l'année. Le total des progrès a atteint 8 47 276 crores de livres sterling, les prêts au détail représentant 61% du portefeuille total de prêts.

Catégorie de prêt	Avancées totales (crore ₹)	Pourcentage de portefeuille
Prêts au détail	5,17,208	61%
Prêts d'entreprise	3,30,068	39%

Services financiers fondés sur les frais

La banque ICICI a généré des revenus de frais de 10 756 crores de livres sterling au cours de l'exercice 2023. La répartition des revenus des frais comprend:

• Frais de transaction et de service: 4 352 crore ₹
• Frais de carte de crédit: 2 187 crore ₹
• Frais de banque d'investissement et de conseil: 1 543 crore ₹
• Frais de traitement des prêts: 1 876 crore
• Autres frais divers: 798 crore ₹

Revenus de la banque d'investissement

Les revenus de la banque d'investissement pour ICICI Bank au cours de l'exercice 2023 ont totalisé 1 543 crore. Cela comprend les services consultatifs, les transactions sur le marché des capitaux et les frais de souscription.

Frais de transaction de carte de crédit

Les frais de transaction par carte de crédit s'élevaient à 2 187 crores de livres sterling au cours de l'exercice 2023. La banque a déclaré 7,4 millions de cartes de crédit actives avec une dépense totale de 1 12 456 crore au cours de l'année.

Métriques de la carte de crédit	Valeur
Cartes de crédit actives	7,4 millions
Dépenses totales de cartes de crédit	1,12 456 crore
Frais de transaction	2187 crore ₹

Commissions d'assurance et de gestion de la patrimoine

Les commissions d'assurance et de gestion de la patrimoine de l'ICICI ont atteint 1 276 crores de livres sterling au cours de l'exercice 2023. Les actifs de gestion de patrimoine de la banque sous gestion (AUM) s'élevaient à 2 45 678 crores de livres sterling.

• Commission d'assurance: 687 crore ₹
• Commission de gestion de la patrimoine: 589 crore ₹
• AUM total: 2 45 678 crore

ICICI Bank Limited (IBN) - Canvas Business Model: Value Propositions

ICICI Bank Limited offers the entire spectrum of financial services to customer segments covering large and mid-corporates, MSME, agri, and retail businesses. The standalone total assets stood at ₹21,182.40 billion at March 31, 2025, with Loans and Advances at ₹13,417.66 billion.

The value proposition centers on seamless, multi-channel access to a full suite of services.

• Universal banking across retail, corporate, and investment services.
• Strong franchise strength across 6,983 branches at March 31, 2025.
• Granular portfolio mix with 74.8% of corporate loans to entities internally rated A- and above.

Instant, secure digital banking is a core pillar, exemplified by the performance of the mobile application.

iMobile, ICICI Bank Limited's mobile banking app for retail customers, processed 558 million transactions worth ₹11,238 billion in fiscal 2025. The Bank launched 'SmartLock' on iMobile, an industry-first feature allowing customers to instantly lock or unlock internet banking, mobile banking, UPI, and their credit and debit cards with one click.

Tailored solutions for Business Banking show significant expansion, indicating a focus on this segment.

The Business Banking portfolio expanded by 33.7% year-on-year to reach ₹2,633.67 billion at March 31, 2025, contributing 19.6% to the net advances. The value of financial transactions on InstaBIZ, the one-stop app for Business Banking, grew by 37% in fiscal 2025.

Financial stability and trust are underpinned by superior asset quality and strong capital buffers.

Metric	Value (As of March 31, 2025)	Value (As of June 30, 2025)
Gross NPA Ratio	1.67%	1.79%
Net NPA Ratio	0.39%	0.44%
Provision Coverage Ratio (PCR)	76.2%	N/A
Common Equity Tier I (CET I) Ratio	15.94%	16.31%
Contingency Provisions Held	₹131 billion (~1% of total loans)	N/A

The Bank's consolidated Return on Equity for fiscal 2025 was 18.0%. Credit costs were benign, standing at 27 bps annualized in one period, compared to 38 bps quarter-on-quarter.

Rapid onboarding and personalized credit are supported by digital scale and product penetration.

• Close to 18 million active credit cards in force as at March 31, 2025.
• Unsecured exposure (credit cards + personal loans) is well-controlled at 13% of total loans as of Q2FY26.
• Fee income grew 16.0% year-on-year in Q4-2025.

Finance: draft 13-week cash view by Friday.

ICICI Bank Limited (IBN) - Canvas Business Model: Customer Relationships

You're looking at how ICICI Bank Limited structures its interactions with its vast customer base as of late 2025. The approach is clearly a blend of scale automation and high-touch service for premium segments, all underpinned by significant investment in employee capability.

Automated self-service and AI assistance (iPal Voice Banking)

ICICI Bank Limited continues to place the customer at the centre of process reimagination, harnessing new-age technologies to serve customers with simplicity. While specific interaction volumes for the iPal Voice Banking feature aren't public, the focus on digital journeys is evident across the ecosystem.

The bank maintains multiple dedicated support lines, showing segmentation even in voice support:

• Toll-free number for general personal banking issues: 18001080.
• Toll-free number for private banking or wealth management queries: 18001038181.
• Number for business, corporate, and retail institutional banking: 18601206699.

The bank saw a sustained improvement in the Net Promoter Score (NPS) during fiscal 2025, which reflects customer value creation and advocacy driven by these service enhancements.

Dedicated relationship managers for Wealth and Corporate clients

For higher-value segments, ICICI Bank Limited deploys specialized human capital. The bank equips relationship managers across departments with a holistic customer engagement mindset through the mandatory Customer-360° Program in fiscal 2025. This program included advanced modules in trade products, business banking, and asset products to handle complex needs.

The investment in this specialized staff is supported by targeted training; in 2025, around 31,000 employees participated in risk and compliance workshops, ensuring relationship managers operate within defined guardrails.

The structure supports specialized service, as evidenced by the dedicated contact points for these clients, such as the number 18001038181 for wealth management support.

Digital-led customer lifecycle management via iCRM

All customer complaints or service requests are recorded in a Customer Relationship Management (CRM) system and tracked for end-to-end resolution, which is central to the bank's grievance redressal framework. This system allows for a Detailed Root Cause Analysis (RCA) of issues raised in customer feedback.

The bank's commitment to digital skill-building is substantial. In fiscal 2025, ICICI Bank Limited delivered over 10 million learning hours, averaging around 10 learning days per employee, to equip staff with required skillsets, including digital transformation and data science.

The bank also deepened its use of share-linked compensation, allotting these instruments to around 20,769 employees during fiscal 2025, tying a significant portion of the workforce to long-term performance.

Hybrid model combining high-tech digital access with physical branch support

ICICI Bank Limited continues to enhance banking convenience by taking the entire bank to the customer, utilizing both its extensive physical footprint and digital platforms. The physical network remains a key anchor for the micromarket approach.

The bank's physical presence as of September 2025 stood at 7,246 locations across the country. To ensure service quality at this scale, the Business Centre Program trained around 2,500 business centre leaders in 2025, incorporating the Customer-360° mindset.

Here is a snapshot of the scale and investment related to customer engagement and infrastructure as of the latest reporting periods:

Metric Category	Specific Data Point	Value/Amount	Reporting Period/Date
Physical Footprint	Number of Locations	7,246	September 2025
Employee Capability	Total Learning Hours Delivered	Over 10 million hours	Fiscal 2025
Relationship Staff Training	Business Centre Leaders Trained	Around 2,500	2025
Customer Feedback	NPS Trend	Sustained Improvement	Fiscal 2025
Corporate Responsibility	CSR Obligation Fulfilled	₹8.01 billion	Fiscal 2025

The bank's total deposits grew to ₹16,103.5 billion in FY25, up 11.6% from the prior year, indicating a growing base served by this hybrid relationship model.

ICICI Bank Limited (IBN) - Canvas Business Model: Channels

You're looking at how ICICI Bank Limited reaches its customers and delivers value across its entire ecosystem as of late 2025. It's a blend of physical presence and deep digital integration, which is key to their scale.

Mobile Applications (iMobile Pay, InstaBIZ)

The digital front is dominated by the mobile apps. iMobile Pay, the retail banking application, continues to see massive adoption. While the latest user count for late 2025 isn't public, we know that in FY2024, it already had more than 30 million users, with transaction values approaching ₹ 11,000 billion for that fiscal year. The business banking app, InstaBIZ, is also a major channel, showing a 37% year-over-year growth in transactions for FY2025. This platform offers services like Goods and Services Tax (GST) payment and instant overdraft facilities.

• iMobile Pay users: > 30 million (as of FY2024)
• iMobile Pay transaction value: Close to ₹ 11,000 billion (FY2024)
• InstaBIZ transaction growth: 37% YoY (FY2025)

Extensive Network of Physical Branches and ATMs

Despite the digital push, the physical footprint remains substantial for trust and complex transactions. As of March 31, 2025, ICICI Bank Limited reported a network of 6,983 branches and 16,285 ATMs across India. By September 2025, the total number of locations stood at 7,246. This physical network is still vital for deepening customer relationships and advisory services, especially for products like mortgages and business banking.

Channel Component	Count (as of March 31, 2025)	Count (as of September 2025)
Physical Branches	6,983	N/A
ATMs	16,285	N/A
Total Locations	N/A	7,246

Internet Banking and API Integrations (ICICI Stack for startups)

ICICI Bank Limited's open architecture via ICICI Stack is a critical channel for corporate and fintech partners. The 'ICICI STACK for Corporates' offers a comprehensive set of digital banking solutions, including a list of 350 solutions tailored for an entire corporate ecosystem. For startups and developers, the API integration allows for speedy onboarding; for instance, API-based digital account opening is an industry-first feature. In an earlier period, the bank managed over 4,600 APIs processing more than 160 million financial and non-financial transactions daily.

Call Centers and Voice Banking Services

While specific call center volume for late 2025 isn't itemized separately from other digital channels, these services form a necessary layer for complex issue resolution and voice-based banking, supporting the digital self-service channels.

UPI Merchant Acquiring

UPI merchant acquiring is a high-volume channel, though its monetization strategy shifted in mid-2025. For the fiscal year ending March 2025, UPI merchant acquiring grew by 51.6% year-over-year. This channel saw ICICI Bank Limited processing around 1.7 billion UPI transactions in June 2025 alone, positioning it as the 3rd-largest Payee Payment Service Provider (PSP) on the UPI network at that time. Starting August 1, 2025, the bank implemented a fee structure for Payment Aggregators (PAs) processing UPI transactions, charging 2 basis points (capped at ₹6) for those with an escrow account, and 4 basis points (capped at ₹10) for those without. Transactions settled directly into a merchant's ICICI Bank account remain exempt from this PA fee.

ICICI Bank Limited (IBN) - Canvas Business Model: Customer Segments

You're mapping out the core customer base for ICICI Bank Limited, which is quite broad, spanning from individual retail users to massive institutional players. Honestly, the sheer scale of their operations, with Standalone Total Assets at ₹21,182.40 billion and Total Deposits at ₹16,103.48 billion in fiscal 2025, shows they need this diverse segmentation to manage risk and growth effectively.

The bank's strategy clearly leans into granular customer focus, which is smart for a financial powerhouse of this size. Here's a breakdown of the key groups they serve based on recent figures.

Mass Market Retail Customers

This is the engine room for daily transactions and credit penetration. ICICI Bank Limited has definitely pushed hard here, especially on the unsecured credit side. You can see the digital adoption is massive, with their mobile app being a primary touchpoint for this segment.

• The bank held close to 18 million active credit cards in force as at March 31, 2025.
• The retail portfolio was a key driver, accounting for 53% of the total loan portfolio in Q2 FY24-25.
• Retail loans showed a year-on-year growth of 6.9% as of Q1FY26.
• Average savings account deposits grew by 10.2% in fiscal 2025 over the previous fiscal year.
• The Current Account Savings Account (CASA) ratio remained stable around 38.4% in 2025.
• iMobile transactions reached 558 million transactions worth ₹11,238 billion in fiscal 2025.

Small and Medium Enterprises (SMEs) and Business Banking

This segment is showing some of the most aggressive growth, indicating a successful push for formalization and digital services for smaller businesses. The growth rate here is outpacing the overall domestic loan growth, which is a strategic win.

The Business Banking portfolio, which serves businesses with an annual turnover of up to ₹7.50 billion, expanded by 33.7% to ₹2,633.67 billion at March 31, 2025. This segment contributed 19.6% to the net advances.

Metric	Value (as of FY2025/Q1FY26)	Context
Business Banking Portfolio Growth (YoY)	33.7%	As of March 31, 2025
Business Banking Book Growth (YoY/QoQ)	29.7% / 3.7%	As of Q1FY26
InstaBIZ Transaction Growth (Value)	37%	In fiscal 2025
Contribution to Net Advances	19.6%	As of March 31, 2025

Large Corporate and Institutional Clients

For the largest clients, the focus shifts to deep, integrated relationship banking, including trade finance and treasury management. While the domestic corporate loan book saw a year-on-year growth of 7.5%, it actually de-grew by -1.4% quarter-on-quarter in Q1FY26, suggesting a selective approach based on risk-reward. The bank emphasizes cross-selling fee income through specialized digital solutions.

• Domestic Corporate Loan Book Growth (YoY): 7.5%.
• Domestic Corporate Loan Book Growth (QoQ): -1.4%.
• Digital trade transactions were over 70% of all eligible trade transactions processed in fiscal 2024 [cite: 15 (from 2024, showing digital adoption)].

Non-Resident Indians (NRIs) and International Operations

ICICI Bank Limited maintains an international footprint to cater to the global Indian diaspora. The bank has a presence in 11 countries, with specific entities like ICICI Bank UK PLC offering dedicated NRI Services. For NRI deposits, the interest rate environment in 2025 was competitive.

Deposit Type (Less than ₹2 crore)	Highest Interest Rate (p.a.)	Effective Date/Period
NRE FD	7.25%	For tenure between 15 months to 2 years (as of March 28, 2025)
NRO FD	7.10%	Starts from 3.00% p.a. (as of March 28, 2025)

Startups and Innovators (via DPIIT partnership)

This is a newer, strategic segment focus, formalized in late 2025. ICICI Bank Limited signed a Memorandum of Understanding (MoU) with the Department for Promotion of Industry and Internal Trade (DPIIT) on September 4, 2025. The goal is to provide structured support to early- and growth-stage entrepreneurs.

• Partnership formalized on September 4, 2025.
• Selected startups gain access to ICICI Bank's Mumbai-based accelerator facility.
• The program includes structured curriculum and mentorship from industry leaders.

Finance: draft Q3FY26 segment-wise loan book variance analysis by next Tuesday.

ICICI Bank Limited (IBN) - Canvas Business Model: Cost Structure

You're looking at the expense side of ICICI Bank Limited's operations, which is where a bank turns its revenue potential into actual profit. For a massive institution like ICICI Bank Limited, the cost structure is dominated by a few key areas, all of which are under constant scrutiny for efficiency.

The investment in digital capability is a major, non-negotiable cost. You saw the estimated technology and ICT spending was around $1.1 billion in 2024. That trend continued, showing a clear commitment to staying ahead in the digital race. For the full fiscal year 2025, the technology expenses represented about 10.7% of the bank's total operating expenses, which translates to approximately ₹4,533.84 crore for FY-25, based on total operating expenses of ₹42,372.32 crore for that period. This spending covers everything from core system upgrades to cybersecurity defenses, which is critical after recent regulatory focus on IT resilience in the sector.

The next big chunk of costs involves the people and the physical footprint. Employee compensation and branch network maintenance are substantial fixed and semi-fixed costs. In Q2 FY25, for instance, employee costs were reported to have increased by 11% year-on-year. To manage the network, ICICI Bank Limited added 83 branches in Q1FY26 alone, bringing the total network to 7,066 branches. Also, as of fiscal 2025, the bank deepened the number of employees who were allotted share-linked compensation to around 20,769 employees, tying a significant portion of their cost structure to performance and long-term retention.

The cost of funds, which is essentially the interest expense paid on deposits, is the single largest variable cost for any bank. For the full year FY2025, interest expenses saw an increase of 10.8% year-on-year. The cost of deposits settled at 4.4% for FY25, though this nudged slightly to 4.5% in Q1FY26, reflecting the competitive environment for gathering customer liabilities. This is the direct cost of the money ICICI Bank Limited uses to lend out.

Here's a quick look at how the core operating expenses broke down in a recent quarter:

Expense Category	Growth (YoY Q2 FY25)	FY2025 Tech Spend (% of OpEx)
Employee Costs	11% Increase	N/A
Non-Employee Expenses (ex-Tech)	3.8% Growth	N/A
Technology Expenses	N/A	10.7%

Marketing and brand promotion costs are managed to support growth without ballooning the expense base. While specific consolidated figures for the entire ICICI Bank Limited for FY2025 are less granular in public reports, the subsidiary ICICI Bank UK PLC reported total advertising and marketing expenses of USD 52.1 million (or INR 4,449 million) for the year ended March 31, 2025, as they continued selective investments to build brand presence.

The success in managing these costs is reflected in the bank's efficiency metric. Operational efficiency is a key focus, and ICICI Bank Limited achieved a Cost-to-Income Ratio of 38.6% in FY2025, as you noted. This is a strong number, demonstrating disciplined cost control relative to income growth. For the very latest snapshot, the total Cost to Income Ratio improved further to 37.8% in Q1FY26. This efficiency is driven by several factors:

• Focus on digital channels reducing physical transaction costs.
• Disciplined management of non-employee operational expenses.
• Leveraging scale across a growing loan book.
• Employee cost growth managed alongside share-linked compensation.

Finance: draft 13-week cash view by Friday.

ICICI Bank Limited (IBN) - Canvas Business Model: Revenue Streams

The revenue streams for ICICI Bank Limited are fundamentally anchored in its core banking operations, supplemented by non-interest income from its diverse financial services subsidiaries and market activities. You see this split clearly when looking at the full-year 2025 numbers.

Net Interest Income (NII) remains the largest component, derived from the spread between interest earned on loans and advances and interest paid on deposits and borrowings. For the fiscal year 2025, the Net Interest Margin (NIM) stood at 4.32%. The Net Interest Income for FY2025 was reported as Rs 811,644 million.

Fee income is the second major pillar. Total fee income for FY2025 was Rs 239,497 million. Within this, the income generated from retail, rural, and business banking customers is substantial. For instance, in the first quarter of the subsequent fiscal year (Q1FY26), non-corporate fees constituted about 79% of the total fees, indicating the strong reliance on granular customer banking relationships for fee generation.

The bank also captures revenue through its specialized subsidiaries, which include insurance and asset management. While specific cross-selling income is often bundled, the overall Other Income for FY2025 was Rs 285,067 million, a significant year-on-year decline of 62.7% from the previous year's Rs 765,218 million. This 'Other Income' bucket captures the gains from subsidiaries, foreign exchange, and treasury activities.

Treasury income from the investment portfolio and commissions from foreign exchange and trade finance are embedded within the 'Other Income' line item, though specific breakdowns are not always isolated in summary reports. For example, trading profits for FY2025 were reported as a small figure, Rs 90 million, suggesting that the bulk of treasury gains, if any, were realized elsewhere or that the focus was on balance sheet management rather than active trading gains for the full year.

Here's a quick look at the key income components for ICICI Bank Limited for FY2025, based on reported figures:

Revenue Component	FY2025 Amount (INR Million)	Context/Metric
Net Interest Income (NII)	811,644	Core lending profitability
Net Interest Margin (NIM)	4.32%	FY2025 reported NIM
Total Fee Income	239,497	Total non-interest income from services
Other Income (Total Non-Interest Income excluding some trading)	285,067	Includes subsidiary income, forex, and treasury
Fee Income from Retail/Rural/Business Banking	Approx. 79% of Total Fees	Based on Q1FY26 data as a proxy for core fee mix

You can see the direct contribution from core banking versus non-core activities. The bank's revenue generation is heavily weighted towards the interest spread, but the fee income stream, especially from the retail and business segments, provides a crucial, less capital-intensive revenue buffer. The performance of the subsidiaries, reflected in the 'Other Income' line, is clearly a variable factor year-to-year.

The revenue streams can be further broken down by the source of fee generation:

• Income from retail banking services.
• Commissions from rural banking activities.
• Fees derived from business banking platforms.
• Income from insurance underwriting and distribution.
• Management fees from asset management subsidiaries.
• Commissions from foreign exchange transactions.

Finance: draft the Q3FY26 revenue forecast based on Q2FY26 trends by Monday.