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Home > Integrated Report > BUSINESS MODEL

BUSINESS MODEL

VISION

To be the trusted financial services provider of choice for our customers, thereby creating sustainable value for our stakeholders.

MISSION

To grow our risk-calibrated core operating profit by:

  • Delivering products and services that create value for customers
  • Bringing together all our capabilities to seamlessly meet customer needs
  • Conducting our business within well-defined risk tolerance levels

CAPITALS

An orange banner with the text Financial Capital and a white icon depicting an upward trending graph, representing ICICI Bank's focus on financial capital within its strategic framework.

FINANCIAL CAPITAL

Our ability to maintain a strong balance sheet and enable business continuity, sustained growth, and shareholder returns.

For further details, please refer to the Management Discussion and Analysis
A red banner with the text Human Capital and a white icon depicting two business figures, representing ICICI Bank's focus on human capital within its strategic framework.

HUMAN CAPITAL

Our competent workforce with diverse skill sets and valuable experience.

For further details, please refer to the section on Human Capital
A blue banner with the text Intellectual Capital and a white icon depicting a head with a gear inside, symbolizing ICICI Bank's emphasis on intellectual capital within its strategic framework.

INTELLECTUAL CAPITAL

Our ability to stay innovative and develop products and services that provide superior experiences to our customers.

For further details, please refer to the section on Our Business Strategy
An orange banner with the text Manufactured Capital and a white icon depicting a factory building, representing ICICI Bank's focus on physical and infrastructure assets within its strategic framework.

MANUFACTURED CAPITAL

Our technology architecture along with the network of branches, ATMs, cash recycler machines and digital channels facilitates seamless delivery of services to customers.

For further details, please refer to the section on Our Business Strategy
Social and Relationship Capital and a white icon depicting a handshake, symbolizing ICICI Bank's emphasis on building and maintaining strong social and business relationships within its operational strategy.

SOCIAL AND RELATIONSHIP CAPITAL

Our commitment towards social empowerment and a financial ecosystem accessible to all.

For further details, please refer to the section on Social and Relationship Capital
A blue banner with the text Natural Capital and a white icon depicting a leaf, representing ICICI Bank's commitment to environmental sustainability and responsible management of natural resources within its business practices.

NATURAL CAPITAL

Our focus on minimising the impact on natural resources through our operations and business.

For further details, please refer to the section on Environment and Sustainability
A circular diagram illustrating ICICI Bank's strategic framework, highlighting core business activities such as providing savings products, enabling wealth creation, facilitating payments, and providing credit. The diagram is surrounded by organizational values like compliance, risk management, and technology, which support the bank's overall operations.
Message from the Wholetime Directors
Our Business Strategy
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