Financial Statements of ICICI Bank Limited

Independent Auditors’ Report – Consolidated Financial Statements

Consolidated Financial Statements of ICICI Bank Limited and its Subsidiaries

Statement Pursuant to Section 129 of Companies Act, 2013

Basel Pillar 3 Disclosures

Glossary of Terms

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KEY BUSINESS AREAS

RETAIL, SME AND RURAL BANKING

We offer deposit, credit and other financial products and services to individuals, households and small businesses across India, through our digital channels and extensive branch network spanning urban and rural areas. We also offer select products like deposits and remittances to non-resident Indians, and local market offerings in select international geographies.

WHOLESALE BANKING

We offer financial solutions to large and medium-sized companies and their business and channel partners, and to financial and government/public sector entities. The product offerings include deposits, long-term finance, working capital, trade, cash management, transaction banking and treasury management. In addition to our network in India, we leverage our international presence to meet the cross-border requirements of our clients. We offer retail banking solutions to employees of our corporate clients. We thus aim to comprehensively serve the ecosystems of our corporate clients.

TREASURY

Our treasury operations comprise management of the Bank’s liquidity, government securities portfolio and interest rate risk, proprietary trading, and foreign exchange and derivative solutions for clients.

Note: ICICI Lombard General Insurance Company is awaiting requisite approvals for a proposed all-stock merger of another non-life insurance business with itself, which on consummation would result in the company ceasing to be a subsidiary.