ICICI BANK LIMITED (IBN): Analyse Pestle [Jan-2025 MISE À JOUR]

Dans le paysage dynamique de l'Indian Banking, ICICI Bank Limited (IBN) est une institution financière pivot avec un réseau complexe de défis politiques, économiques, sociologiques, technologiques, juridiques et environnementaux. Cette analyse complète du pilon dévoile les facteurs complexes qui façonnent les décisions stratégiques de la banque, révélant comment elle s'adapte à l'écosystème financier en évolution rapide de l'Inde. Des obstacles réglementaires aux innovations technologiques, la banque ICICI démontre une résilience remarquable et une approche avant-gardiste dans un secteur bancaire de plus en plus compétitif et transformateur.

ICICI Bank Limited (IBN) - Analyse du pilon: facteurs politiques

Environnement bancaire réglementaire

ICICI Bank opère dans le cadre réglementaire de la Reserve Bank of India (RBI), qui a mis en œuvre 7 examens de politique monétaire en 2023. La banque est soumise à Normes d'adéquation de la capitale Bâle III, avec une exigence d'adéquation du capital de 11,5% en septembre 2023.

Aspect réglementaire	Détails de la conformité
Directives RBI	Compliance complète avec 22 directives réglementaires majeures
Règlements d'investissement étranger	IDE maximum autorisé: 74% dans le secteur bancaire privé
Gouvernance d'entreprise	Adhésion à 100% aux normes de gouvernance d'entreprise SEBI

Impact de la politique gouvernementale

La banque est considérablement influencée par les politiques économiques de l'Inde, notamment:

• Initiatives bancaires numériques par le gouvernement de l'Inde
• Pradhan Mantri Jan Dhan Yojana Programme d'inclusion financière
• Mise en œuvre de la taxe sur les produits et services (TPS)
• Réformes du code d'insolvabilité et de faillite

Considérations de stabilité politique

Les opérations de la banque ICICI sont directement corrélées avec le paysage politique de l'Inde. En 2024, l'Inde maintient un environnement politique stable avec la continuation actuelle du gouvernement.

Indicateur politique	État actuel
Indice de stabilité du gouvernement	7.2/10
Évaluation des risques politiques	BB + (stable)
Impact du cycle électoral	Perturbation minimale attendue en 2024

Surveillance des modifications réglementaires

La banque ICICI s'adapte en permanence aux modifications réglementaires potentielles des services financiers, avec des équipes de conformité dédiées suivant 43 changements législatifs potentiels en 2024.

• Surveillance continue des mises à jour circulaires RBI
• Stratégie de conformité proactive
• Ajustements réguliers de la politique interne

ICICI Bank Limited (IBN) - Analyse du pilon: facteurs économiques

Exposé à la croissance économique de l'Inde et fluctuant des performances du PIB

Le taux de croissance du PIB de l'Inde au troisième trimestre 2023 était de 7,6%. Les performances financières de la Banque ICICI sont directement corrélées avec les indicateurs économiques nationaux.

Indicateur économique	Valeur 2023	Impact sur la banque ICICI
Taux de croissance du PIB	7.6%	Corrélation positive élevée
Revenu par habitant	₹1,75,406	Augmentation du potentiel de crédit
Investissement direct étranger	70,97 milliards de dollars	Opportunités bancaires améliorées

Sensible aux changements de taux d'intérêt par la Banque de réserve de l'Inde

Le taux de repo RBI en février 2024 est de 6,50%. La marge d'intérêt nette de la banque ICICI était de 4,48% au troisième trimestre 2023.

Paramètre de taux d'intérêt	Taux actuel	Réponse de la banque
Taux de repo RBI	6.50%	Ajustement des taux de prêt
Marge d'intérêt net	4.48%	Maintenir la rentabilité
Taux de prêt de base	8.60%	Gestion des risques

Fonctionne sur le marché bancaire concurrentiel

Le marché des services financiers numériques en Inde d'une valeur de 207,4 milliards de dollars en 2023. Les transactions numériques de l'ICICI Bank ont ​​augmenté de 35% en glissement annuel.

Métrique bancaire numérique	Valeur 2023	Pourcentage de croissance
Volume de transaction numérique	1,2 billion	35%
Utilisateurs de la banque mobile	25,6 millions	28%
Revenus bancaires numériques	12 456 crore	22%

Affecté par les taux d'inflation et les conditions économiques

Le taux d'inflation de l'Inde en janvier 2024 était de 5,1%. L'indice des prix à la consommation (IPC) montre des pressions inflationnistes modérées.

Indicateur d'inflation	Valeur de janvier 2024	Impact économique
Taux d'inflation	5.1%	Pression économique modérée
Indice des prix à la consommation	120.4	Pouvoir d'achat stable
Indice de prix en gros	139.7	Variations de coût d'entrée

ICICI Bank Limited (IBN) - Analyse du pilon: facteurs sociaux

Sert divers segments démographiques à travers l'Inde urbaine et rurale

En 2024, ICICI Bank dessert 74,5 millions de clients à travers l'Inde, avec une distribution de clientèle comme suit:

Segment	Nombre de clients	Pourcentage
Zones urbaines	52,15 millions	70%
Zones rurales	22,35 millions	30%

S'adapte à l'évolution des préférences de la banque de consommateurs et de l'adoption numérique

Pénétration des services bancaires numériques pour ICICI Bank:

Canal bancaire numérique	Base d'utilisateurs	Croissance en glissement annuel
Banque mobile	31,6 millions d'utilisateurs	18.5%
Banque Internet	26,4 millions d'utilisateurs	15.3%
Transactions UPI	42,7 millions d'utilisateurs	27.9%

Traite de l'inclusion financière pour la population de la classe moyenne émergente

Mesures d'inclusion financière pour ICICI Bank:

Catégorie d'inclusion	Nombre de comptes	Solde moyen du compte
Comptes Jan Dhan	12,3 millions	₹3,425
Comptes de petites entreprises	2,7 millions	₹8,750

Répond à une demande croissante de services bancaires axés sur la technologie

Métriques d'adoption de la technologie:

Service technologique	Volume d'utilisation	Pourcentage de transactions totales
Service client propulsé par l'IA	4,2 millions d'interactions / mois	37%
Vidéo kyc	890 000 vérifications / quartier	22%
Interactions chatbot	3,6 millions / mois	31%

ICICI Bank Limited (IBN) - Analyse du pilon: facteurs technologiques

Implémente les plateformes de banque numérique avancées et les applications mobiles

La plate-forme bancaire numérique de la Banque ICICI a déclaré 8,5 millions d'utilisateurs de banque mobile actifs en mars 2023. L'application Imobile Pay de la banque a plus de 6,2 millions de téléchargements avec une note de 4,5 étoiles. Les transactions bancaires numériques ont augmenté de 35,2% en glissement annuel au cours de l'exercice 2023.

Plate-forme numérique	Nombre d'utilisateurs	Volume de transaction
Banque mobile	8,5 millions	42 650 crore
Banque Internet	6,3 millions	38 220 crore ₹
Transactions UPI	5,7 millions	36 890 ₹ crore

Investit massivement dans les technologies de l'intelligence fintech et artificielle

ICICI Bank a investi 1 245 crore de crore dans les infrastructures technologiques au cours de l'exercice 2023. Les investissements en IA et en apprentissage automatique ont atteint 320 crore, ce qui représente 25,7% des dépenses technologiques totales.

Catégorie de technologie	Investissement (crore ₹)	Pourcentage du budget technologique
Intelligence artificielle	320	25.7%
Infrastructure cloud	275	22.1%
Cybersécurité	210	16.9%

Développe une infrastructure de cybersécurité robuste

La banque ICICI a signalé aucune violation de cybersécurité majeure en 2023. L'équipe de cybersécurité de la banque comprend 285 professionnels spécialisés. Les dépenses annuelles de cybersécurité ont atteint 210 crores de ₹ au cours de l'exercice 2023.

Explore la blockchain et les solutions technologiques financières émergentes

ICICI Bank a mis en œuvre 12 solutions basées sur la blockchain à travers le financement commercial, les envois de fonds et les services bancaires d'entreprise. La Banque a traité 4 750 transactions blockchain en 2023, ce qui représente une augmentation de 62% par rapport à l'année précédente.

Cas d'utilisation de la blockchain	Transactions en 2023	Croissance en glissement annuel
Financement commercial	2,340	45%
Remise	1,560	78%
Banque commerciale	850	55%

ICICI Bank Limited (IBN) - Analyse du pilon: facteurs juridiques

Se conforme aux réglementations bancaires strictes par la Reserve Bank of India

ICICI Bank maintient un ratio d'adéquation des capitaux réglementaires de 19,56% en septembre 2023, nettement plus élevé que le minimum obligatoire de RBI de 11,5%. Le ratio de capital de niveau 1 de la banque est de 17,92%.

Métrique réglementaire	Conformité de la banque ICICI	Exigence de RBI
Ratio d'adéquation des capitaux	19.56%	11.5%
Ratio de capital de niveau 1	17.92%	9.0%
Ratio d'actifs non performants	2.85%	<4.0%

Adhère aux directives anti-blanchiment et aux directives de votre client

ICICI Bank a investi 372 crore de ₹ dans les technologies de conformité et de gestion des risques en 2023. La banque a traité 14 267 rapports de transaction suspects au cours de l'exercice.

Métrique de la conformité AML	2023 données
Investissement technologique de conformité	372 crore ₹
Rapports de transaction suspects	14,267
Taux de vérification KYC	99.7%

Gère les risques juridiques associés aux opérations des banques d'entreprise et de détail

Les dispositions juridiques de la Banque ICICI en septembre 2023 étaient de 7 842 crores de livres sterling. La banque a déclaré 1 236 affaires juridiques en attente avec une responsabilité contingente estimée de 2 563 crores de livres sterling.

Métrique de risque juridique	Montant
Dispositions légales	7 842 crore
Affaires juridiques en attente	1,236
Responsabilité contingente	2 563 crore

Navigue sur les normes complexes d'information financière et de gouvernance d'entreprise

Le conseil d'administration de la banque ICICI comprend 12 administrateurs, 67% étant des administrateurs indépendants. La banque est entièrement conforme aux normes de gouvernance d'entreprise en valeurs mobilières.

Métrique de gouvernance d'entreprise	Détails
Total des membres du conseil d'administration	12
Directeurs indépendants	8 (67%)
Réunions du conseil d'administration en 2023	7

ICICI Bank Limited (IBN) - Analyse du pilon: facteurs environnementaux

S'engage aux pratiques bancaires durables et aux initiatives de financement vert

En 2023, ICICI Bank a engagé 15 000 crore ₹ pour les initiatives de financement vert. Le portefeuille de finances durables de la banque a atteint 50 000 crore en décembre 2023.

Catégorie de finance verte	Montant d'investissement (crore ₹)	Pourcentage du portefeuille total
Projets d'énergie renouvelable	22,500	45%
Financement des véhicules électriques	7,500	15%
Infrastructure verte	12,000	24%
Agriculture durable	8,000	16%

Réduit l'empreinte carbone grâce à la transformation bancaire numérique

ICICI Bank a réduit ses émissions de carbone de 22% sur les canaux bancaires numériques en 2023. Les transactions numériques ont augmenté à 87% du total des transactions bancaires.

Canal numérique	Volume de transaction	Réduction des émissions de carbone
Banque mobile	65% du total des transactions	Réduction de 12%
Banque Internet	22% du total des transactions	Réduction de 7%
Transactions ATM	13% du total des transactions	Réduction de 3%

Prend en charge les projets d'énergie renouvelable et de conservation de l'environnement

En 2023, ICICI Bank a investi 22 500 crore de ₹ dans des projets d'énergie renouvelable dans les secteurs solaires, éoliens et hydroélectriques.

Secteur des énergies renouvelables	Investissement (crore ₹)	Décalage de carbone projeté
Énergie solaire	12,000	2,5 millions de tonnes CO2
Énergie éolienne	7,500	1,8 million de tonnes CO2
Projets hydroélectriques	3,000	0,7 million de tonnes CO2

Met en œuvre des pratiques opérationnelles respectueuses de l'environnement dans les infrastructures d'entreprise

La banque ICICI a mis en œuvre des mesures de durabilité complètes dans son infrastructure d'entreprise, réduisant la consommation d'énergie de 28% en 2023.

Mesure de durabilité	Taux de mise en œuvre	Économies d'énergie
Éclairage LED	95% des espaces de bureau	Réduction de 12%
Installations de toit solaire	45 emplacements d'entreprise	Réduction de 8%
Équipement économe en énergie	85% des infrastructures	Réduction de 8%

ICICI Bank Limited (IBN) - PESTLE Analysis: Social factors

You're looking at ICICI Bank Limited's strategy and seeing a clear pivot toward the individual consumer and the emerging middle-class market. This isn't just about chasing volume; it's a structural shift reflecting India's demographic dividend and rising financial literacy. The bank is actively adapting its product mix and distribution to meet this massive, socially-driven demand, which is defintely a core strength.

Retail loans dominate the portfolio, accounting for over 52.4% of total loans in FY2025.

The consumer is king, and ICICI Bank's portfolio structure confirms it. As of March 31, 2025, the retail loan portfolio accounted for a commanding 52.4% of the total loan portfolio. This segment grew by a solid 8.9% year-on-year in Fiscal Year 2025 (FY2025). This focus is a conscious, risk-calibrated move away from the volatility of large corporate lending, favoring the granular, diversified nature of personal credit.

Here's the quick math: a higher share of retail loans, especially secured ones like home and vehicle loans, generally translates to a more stable net interest margin (NIM) and lower overall credit risk over the long term, even with short-term regulatory tightening in unsecured categories. The domestic loan portfolio overall grew by 13.9% year-on-year to ₹13,10,981 crore (approximately $153.4 billion) at the end of FY2025.

Loan Segment	% of Total Loan Portfolio (Mar 31, 2025)	Year-on-Year Growth (FY2025)
Retail Loan Portfolio	52.4%	8.9%
Business Banking Portfolio	19.6% (approx.)	33.7%
Rural Portfolio	5.8% (approx.)	5.1%

Focus on expanding services into Tier-2 and Tier-3 cities for deeper market penetration.

The next wave of growth isn't coming from Mumbai or Delhi; it's coming from the smaller, rapidly digitizing Tier-2 and Tier-3 cities. ICICI Bank is executing a clear horizontal growth strategy to capture this untapped market. This involves a physical presence coupled with digital enablement.

The bank expanded its physical reach significantly in FY2025, adding 460 new branches. This brought the total network to 6,983 business centers as of March 31, 2025. This network expansion, combined with a dedicated focus on the rural portfolio, which grew by 5.1% year-on-year to ₹783.40 billion at the end of FY2025, shows a commitment to financial inclusion and market deepening. This local expansion minimizes currency risks and taps directly into India's domestic consumption boom.

Digital platforms like iMobile Pay have over 10 million active non-ICICI Bank users.

Digital channels are the engine for social-scale reach. The iMobile Pay application, ICICI Bank's flagship digital platform, has successfully transcended its core customer base. The app has onboarded over 10 million non-ICICI Bank users since it became interoperable in December 2020. This is a crucial social metric: it shows the bank's digital interface is trusted and used by the broader public, not just its account holders.

The platform's high utility is evidenced by its transaction volume: it handled approximately 730 million UPI transactions in March 2025 alone. This digital ecosystem, which offers over 400 services, is the bank's primary tool for acquiring new-to-bank customers and cross-selling products like loans and investments without the high cost of a physical branch visit.

Upskilling employees in AI and Machine Learning (ML) is a core competency strategy.

The social factor here is the talent war and the need for a future-ready workforce. ICICI Bank is making a massive internal investment in human capital to support its digital-first strategy. In fiscal 2025, the bank delivered over 10 million learning hours, which averages out to about 10 learning days per employee.

A significant part of this effort is focused on Artificial Intelligence (AI) and Machine Learning (ML) technology, which the bank uses for everything from fraud detection to customized user experience. For instance, approximately 31,000 employees participated in risk and compliance workshops in 2025, which are integrated with the bank's risk framework, showing a focus on embedding data-driven decision-making across the organization.

• Delivered 10 million+ learning hours in FY2025.
• Averaged 10 learning days per employee.
• Trained 31,000 employees in risk and compliance.

This internal upskilling, combined with industry-academia collaborations, ensures the bank can leverage its vast data sets for credit underwriting and operational efficiency, which is a key competitive edge.

ICICI Bank Limited (IBN) - PESTLE Analysis: Technological factors

Digital Dominance and Transaction Volume

You need to see ICICI Bank Limited not just as a traditional lender, but as a technology company that happens to offer banking services. This is not corporate fluff; it's a strategic reality. The sheer volume of digital activity is staggering. In the broader Indian market, digital payments accounted for a massive 99.9% of the total volume of non-cash retail payments in FY2025, which tells you exactly where the industry is headed. ICICI Bank is a primary driver of this trend.

The bank's mobile application, iMobile, processed 558 million transactions in fiscal 2025, totaling a value of nearly ₹11,238 billion. That is a huge amount of capital moving through a single digital channel. This pivot to digital self-service is what drives efficiency and scalability.

Strategic Investment in Core Infrastructure

The bank's commitment to its digital backbone is clear in its spending. You can't run a massive digital operation on a shoestring budget, and ICICI Bank isn't. The annual Information and Communications Technology (ICT) spending was estimated at $1.1 billion in 2024. This investment is not discretionary; it's the cost of doing business in a hyper-digital environment.

Here's the quick math on how serious they are: their IT and cybersecurity expenditure as a share of aggregate operating expenses climbed to 9.4% in financial year 2023-24, up from 5.6% just a few years prior. This is a necessary, defensive investment to ensure system resilience and security, especially given the rising regulatory scrutiny on technology outages.

Metric	Value (FY2025 unless noted)	Significance
iMobile Transactions (Volume)	558 million	Scale of retail digital adoption
iMobile Transactions (Value)	₹11,238 billion	High-value flow through mobile channel
ICT Spending (2024 Estimate)	$1.1 billion	Commitment to digital infrastructure
InstaBIZ Transaction Value Growth	37%	Accelerated SME platform utility

Platform-Centric Strategy: InstaBIZ and API Banking

For the Small and Medium Enterprise (SME) segment, the InstaBIZ platform is the key technological play. This is a one-stop app for business banking, and while the latest user count from 2023 was over 1.5 million active users, the real story is the platform's utility. The value of financial transactions on InstaBIZ grew by a sharp 37% in fiscal 2025. That growth rate shows businesses are deeply integrating the app into their daily operations.

This ecosystem approach is powered by Application Programming Interfaces (APIs)-the digital connectors that let different software talk to each other. The bank has a deep focus on what you could call API Banking 2.0, with over 4,600 APIs available to manage more than 160 million financial and non-financial transactions per day. This open architecture allows for rapid co-creation with partners, which is how you stay ahead of the fintech curve.

• Cloud computing is central to the strategy for scalability and cost efficiency.
• AI and Machine Learning (ML) are deployed for credit underwriting and risk management.
• AI-driven fraud prevention is a core focus, leveraging algorithms to detect unusual transaction patterns.
• The bank launched 'SmartLock,' an industry-first feature on the iMobile app, allowing customers to instantly lock or unlock internet banking, mobile banking, UPI, and their cards with a single click.

ICICI Bank Limited (IBN) - PESTLE Analysis: Legal factors

RBI Imposed a ₹75 Lakh Penalty in August 2025

You need to be acutely aware that regulatory compliance isn't a suggestion; it's a hard cost, and ICICI Bank Limited has seen this firsthand. In August 2025, the Reserve Bank of India (RBI) imposed a monetary penalty of ₹75.00 lakh on the bank. This fine was for non-compliance with specific directions concerning two key areas: the 'Valuation of Properties - Empanelment of Valuers' and the 'Opening of Current Accounts by Banks - Need for discipline.'

The core issue was the bank's failure to get property valuations from independent valuers for certain mortgage loans, a fundamental lapse in risk management protocol. This penalty, following a Statutory Inspection for Supervisory Evaluation (ISE 2024) with reference to the financial position as of March 31, 2024, is a clear signal: the RBI is serious about granular compliance.

RBI Dropped Proposed Restrictions on Overlapping Business with NBFC Subsidiaries

A significant potential risk was removed in October 2025, giving ICICI Bank's strategic model breathing room. The RBI withdrew its draft proposal that would have restricted a bank's group entities from carrying out similar business activities, which was a major overhang for banks with Non-Banking Financial Company (NBFC) subsidiaries. This is a huge relief, honestly, because it means ICICI Bank does not have to restructure or divest its stake in subsidiaries like ICICI Home Finance Co.

The decision leaves the strategic allocation of business streams-like different customer segments for affordable home loans or used cars-to the bank's board, preserving the operational flexibility of the bank-NBFC model. This is a direct competitive advantage, allowing the bank to maintain separate entities with lower operating costs and distinct customer targeting strategies.

Capital Adequacy Ratio is Well Above the RBI-Mandated Minimum

One of the most reassuring legal and prudential metrics for ICICI Bank is its robust Capital Adequacy Ratio (CAR), which is the bank's capital expressed as a percentage of its risk-weighted assets. The bank's total CAR on a standalone basis stood at a strong 17.00% as of September 30, 2025. This figure is comfortably above the RBI's minimum regulatory requirement of 11.70%, which includes the Capital Conservation Buffer (CCB).

For the full fiscal year 2025 (FY2025), the total CAR was 16.55% at March 31, 2025. This substantial buffer of over 530 basis points (17.00% minus 11.70%) provides a strong cushion against unforeseen credit or market shocks. Here's the quick math on the latest capital position:

Ratio	Value (as of Sep 30, 2025)	RBI Minimum Requirement
Total Capital Adequacy Ratio (CAR)	17.00%	11.70%
Common Equity Tier 1 (CET-1) Ratio	16.35%	8.20%

New Expected Credit Loss (ECL) Model Requires Earlier Stress Recognition

A significant regulatory shift is coming with the RBI's new Expected Credit Loss (ECL) framework, replacing the current incurred loss model. The RBI issued the draft directions in October 2025, with the new regime set for implementation on April 1, 2027. This is a forward-looking approach, forcing banks to recognize potential losses much earlier than the old system, which only recognized losses after a default occurred.

The new model requires a three-stage approach to provisioning, based on the assessment of a Significant Increase in Credit Risk (SICR):

• Stage 1: Recognize 12-month Expected Credit Loss for assets with no SICR.
• Stage 2: Recognize lifetime Expected Credit Loss for assets with a SICR but not yet credit-impaired.
• Stage 3: Recognize lifetime Expected Credit Loss for credit-impaired assets (Non-Performing Assets).

This mandate is defintely a challenge for modeling and data infrastructure, but it enhances the transparency of the balance sheet. Based on FY2025 numbers, the estimated one-time impact on the bank's capital adequacy from this transition is expected to be moderate, up to 30 basis points. The bank has until March 31, 2031, to adjust provisions on its existing loan book, giving management time to prepare.

ICICI Bank Limited (IBN) - PESTLE Analysis: Environmental factors

ESG Governance and Board-Level Oversight

As a seasoned analyst, I look for where the buck stops on major strategic risks, and for ICICI Bank, the Environmental, Social, and Governance (ESG) framework is defintely a top-down priority. The ultimate responsibility for ESG oversight rests with the Board of Directors. More specifically, the Risk Committee of the Board provides the strategic direction and crucial oversight on all ESG matters, including environmental sustainability and climate-related initiatives.

This isn't just a compliance exercise; it's embedded in the core strategy. The Risk Committee held seven meetings in fiscal 2025 to review the Bank's initiatives, which shows a serious time commitment from the top. They also introduced a new digital tool for better ESG data management, emissions calculation, and target monitoring.

Operational Efficiency and Resource Conservation

Digital transformation is an environmental lever, not just a cost-saver. ICICI Bank's push for paperless processes saved a massive amount of material in the last fiscal year. Here's the quick math on their digital impact:

• Paper saved in fiscal 2025: 29.7 million sheets.
• Trees saved as a result: 2,203.
• Water conservation: Installed Atmospheric Water Generators (AWGs) at five premises.
• Clean water generation potential: 8,000 litres per day.

That is a significant reduction in their operational footprint. Plus, they planted 1.2 million trees in fiscal 2025, demonstrating a clear commitment to forest conservation.

Integrating Environmental Risk into Lending

The biggest environmental risk for a bank is its loan book-financing high-carbon or environmentally sensitive projects. ICICI Bank is actively managing this with a dedicated ESG risk assessment tool. This is how they translate environmental sensitivity into credit decisions.

In fiscal 2025, they expanded the coverage of this tool to 20 sectors, up from 16 previously. This means a larger portion of their high-value lending proposals now undergo a formal environmental and social evaluation before approval. They even use 'go/no-go' criteria in some cases to avoid financing activities with high environmental risk.

The sectors under this enhanced scrutiny include:

• Construction, Real Estate, Iron and Steel.
• Power Generation, Petrochemicals, Oil and Gas.
• Automobiles, Wholesale and Retail Trade.
• Chemicals, Mining, Pharmaceuticals, and Textiles.

Sustainable Financing and Renewable Energy Adoption

The Bank is not just avoiding risk; it's actively pursuing green opportunities. Their sustainable lending portfolio, which covers areas like renewable energy and green certified real estate, is growing.

As of March 31, 2025, the total outstanding sustainable lending portfolio stood at ₹906.24 billion. Within that, their green financing portfolio accounted for 34.2%. That is a substantial capital allocation toward the energy transition.

On their own operations, they are making strides toward carbon neutrality for Scope 1 and Scope 2 emissions by fiscal 2032. This is a clear, long-term target. They are incorporating environmental sensitivity like using solar power, green tariffs, and International Renewable Energy Certificates (IRECs) for their energy needs.

Environmental Metric (Fiscal 2025)	Amount/Value	Context
Sustainable Lending Portfolio (as of March 31, 2025)	₹906.24 billion	Total outstanding loans for sustainable projects.
Green Financing Portfolio Share	34.2%	Portion of sustainable lending focused on green activities.
Paper Saved from Digital Processes	29.7 million sheets	Reduction in operational paper consumption.
ESG Risk Assessment Tool Coverage	20 sectors	Number of high-value lending sectors subject to mandatory ESG review.
Total Green Energy Usage (Solar/Green Tariff/IRECs)	92.13 units	Total energy from renewable sources (unit not specified, but reflects total green sourcing).

Next step: Finance should model the impact of the new RBI Expected Credit Loss framework on provisioning by the end of the quarter.