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

FINANCIAL CAPITAL

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

For further details, please refer to the Management Discussion and Analysis

HUMAN CAPITAL

Our competent and aligned workforce with diverse skill sets and valuable experience.

For further details, please refer to the section on Human Capital

INTELLECTUAL CAPITAL

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

For further details, please refer to the section on Our Business Strategy

MANUFACTURED CAPITAL

Our investment in technology architecture and delivery channels that facilitates seamless delivery of services to customers.

For further details, please refer to the section on Our Business 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

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

VALUE DRIVERS

FINANCIAL CAPITAL

  • Ensure a resilient balance sheet and healthy capital levels
  • Focus on sustainable growth
  • Maintain stable and healthy funding profile
  • Continue to strengthen portfolio quality
  • Create value for shareholders

HUMAN CAPITAL

  • Guided by ‘One Bank, One Team’
  • Enabling cross-functional collaboration
  • Job rotation and leadership development
  • Continuous skill training and capability building
  • Employee engagement

INTELLECTUAL CAPITAL

  • Leveraging Bank to BankTech
  • Early adoption of emerging technologies enabling innovation
  • Partnership with fintechs
  • Decongesting processes and improving customer experience

MANUFACTURED CAPITAL

  • A combination of physical and digital channels enabling seamless service delivery
  • Strengthening digital capabilities for cost efficiency, process efficiency and enhancing customer experience
  • Focus on cybersecurity, data privacy and operational resiliency
  • Core and supporting IT systems that are responsive and scalable

SOCIAL AND RELATIONSHIP CAPITAL

  • Engagement with customers, society and other stakeholders
  • Participating in development efforts through the ICICI Foundation for Inclusive Growth
  • Financial inclusion

NATURAL CAPITAL

  • Supporting environment-friendly projects, subject to appropriate risk-return assessment
  • Efficient energy management in the Bank’s operations
  • Use of renewable energy
  • Environment-friendly initiatives

OUTPUTS

Profit Before Tax Excluding Treasury:
₹607.13

billion

in fiscal 2025
Profit After tax:
₹472.27

billion

in fiscal 2025
Loans and Advances:
₹13,417.66

billion

at March 31, 2025
Total Deposits:
₹16,103.48

billion

at March 31, 2025

OUTCOMES

FINANCIAL CAPITAL

  • Profit before tax excluding treasury grew by 11.4% and profit after tax by 15.5% year-on-year
  • Granular portfolio mix with 74.8% of corporate loans to entities internally rated A- and above
  • Net NPA ratio decreased from 0.42% at March 31, 2024 to 0.39% at March 31, 2025
  • Common Equity Tier 1 ratio of 15.94% at March 31, 2025
  • Consolidated return on equity of 18.0% in fiscal 2025

HUMAN CAPITAL

  • Frontline teams reorganised and empowered for enabling 360° customer engagement
  • 42,000 women comprising 32% of total employee strength at March 31, 2025
  • Average person learning days of 10 days in fiscal 2025
  • Deepened share-linked compensation to about 20,700 employees in fiscal 2025
  • Strong industry-academia engagement to create bankers with diverse skills

INTELLECTUAL CAPITAL

  • iCRM, a cross-functional unified platform, enabling better engagement, improved customer servicing and deepening of Customer-360° relationship
  • DigiEase digital platform to streamline customer onboarding process for business banking
  • iLens platform for mortgages, personal loan and education loan, enhanced to credit-card offerings during fiscal 2025
  • More than 5,500 APIs, of which over 3,500 APIs are consumed internally for communication across applications

MANUFACTURED CAPITAL

  • Several initiatives taken towards enhancing delivery systems and simplifying processes with a focus on delivering customer delight
  • Empowered business centres for enabling Customer-360°
  • 460 business centres added during the year
  • No material incidents of security breaches or data loss during fiscal 2025
  • Continues to remain invested towards strengthening delivery systems, technology platforms and cybersecurity to sustain scalability, security and resilience

SOCIAL AND RELATIONSHIP CAPITAL

  • ₹8.01 billion allocated towards corporate social responsibility initiatives; focus on healthcare, environment and ecology, livelihood and community development
  • ISO 45001:2018 certification for Occupational Health and Safety Management at 21 large offices with total occupancy of more than 30,000 employees

NATURAL CAPITAL

  • Outstanding portfolio of ₹906 billion towards sustainable sectors at March 31, 2025, of which 34.2% was green financing in areas like renewable energy and allied activities, electric vehicles, green buildings and green hydrogen/electrolysers
  • The Bank has installed Atmospheric Water Generator units at five locations, producing 8,000 litres of potable water per day and reducing dependence on packaged water
  • Proportion of renewable energy, including I-RECs, in total electricity consumption was 38% in fiscal 2025
  • 1.2 million saplings were planted during fiscal 2025 as part of CSR initiatives; cumulative 4.9 million since fiscal 2022
Message from the Wholetime Directors
Our Business Strategy

Download Center

Board's Report Management Discussion and Analysis Key Financial Indicators: Last 10 Years
Financial Statements of ICICI Bank Limited Consolidated Financial Statements of ICICI Bank Limited and its Subsidiaries Download PDF
Cover image of ICICI bank annual report 2024-25