Balance Sheet of ICICI Bank LTD as at March 31, 2011

Rs. in 000 Rs. in 000 Year ended Year ended Schedule 31-03-2011 31-03-2010 1 2

CAPITAL AND LIABILITIES Capital Reserves and Surplus Employees Stock Options (Grants) Outstanding Deposits Borrowings Other Liabilities and Provisions ASSETS Cash and Balances with Reserve Bank of India Balances with Banks and Money at Call and Short notice Investments Advances Fixed Asset Other Assets 6

3 4 5 Total

Contingent Liabilities Bills for Collection Significant Accounting Policies and 17 & 18 Notes to Accounts The schedules referred to above form an integral part of the Balance Sheet

7 8 9 10 11 Total 12

Profit and Loss Account For the year ended March 31, 2011 Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2010 SCHEDULE 31-03-2011 13 14 Total II. EXPENDITURE Interest expended Operating expenses Provisions and contingencies 15 16 Total III. PROFIT NET PROFIT FOR THE YEAR (I - II) Balance in Profit & Loss Account brought forward from previous year AMOUNT AVAILABLE FOR IV. APPROPRIATION V. APPROPRIATIONS Transfer to Statutory Reserve Proposed dividend Transfer to General Reserve Transfer to Capital Reserve Transfer to / (from) Investment Reserve Account Balance carried over to Balance Sheet Total

Particulars I. INCOME Interest earned Other income

Schedules to the Accounts as at March 31, 2011 Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2011 31-03-2010

SCHEDULE 1 - CAPITAL Authorised Capital: 500,000,000 Equity Shares of RS.10/- each

Issued, Subscribed and Paid-up Capital: 410,545,843 (Previous year - 405,174,119) Equity Shares of RS.10/- each fully paid-up TOTAL SCHEDULE 2 - RESERVES AND SURPLUS I. Statutory Reserve Opening Balance Additions during the year II. General Reserve Opening Balance Additions during the year Balance in Profit and Loss Account Share Premium Account Opening Balance Additions during the year Less: Share issue expenses Capital Reserve Opening Balance Additions during the year Investment Reserve Account Opening Balance Additions during the year Deductions during the year Foreign Currency Translation Account Opening Balance Additions during the year TOTAL

III. IV.

VI.

VII.

VIII.

SCHEDULE 3 - DEPOSITS A. I. Demand Deposits (i) From Banks (ii) From Others II. Savings Bank Deposits III. Term Deposits (i) From Banks (ii) From Others TOTAL B. I. II. Deposits of Branches in India Deposits of Branches outside India TOTAL SCHEDULE 4 - BORROWINGS I. Borrowings in India (i) Reserve Bank of India (ii) Other Banks (iii) Other Institutions and agencies II. Borrowings outside India* TOTAL

Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2011 31-03-2010

SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS I. Bills Payable II. Interest Accrued III. Others (including provisions) IV. Contingent Provisions against standard assets V. Proposed Dividend (including tax on dividend) TOTAL SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA i. Cash in hand (including foreign currency notes) ii. Balances with Reserve Bank of India (a) In current accounts (b) In other accounts TOTAL

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE I. In India (i) Balances with Banks : (a) In current accounts (b) In other deposit accounts (ii) Money at call and short notice : (a) With banks (b) With other institutions TOTAL II. Outside India (i) In current accounts (ii) In deposit accounts (iii) Money at call and short notice TOTAL GRAND TOTAL (I+II) SCHEDULE 8 - INVESTMENTS I. Investments in India in (i) Government securities (ii) Other approved securities (iii) Shares (iv) Debentures and Bonds (v) Subsidiaries / Joint Ventures (vi) Others (Units, CDs / CPs, PTCs, Security Receipts and NABARD Deposits) TOTAL II. Investments outside India in (i) Government Securities (including local authorities) (ii) Subsidiaries and/or joint ventures abroad (amount less than `1,000 for current year, previous year `Nil) (iii) Others TOTAL GRAND TOTAL (I+II)

Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2011 31-03-2010

SCHEDULE 9 - ADVANCES A. (i) Bills purchased and discounted * (ii) Cash credits, overdrafts and loans repayable on demand (iii) Term loans TOTAL B. (i) Secured by tangible assets (ii) Covered by Bank/Government Guarantees (iii) Unsecured TOTAL C. I. Advances in India (i) Priority Sector (ii) Public Sector (iii) Banks (iv) Others TOTAL II. Advances Outside India (i) Due from Banks (ii) Due from Others (a) Bills Purchased and discounted (b) Syndicated Loans (c) Others TOTAL GRAND TOTAL [ C I + C II ]

Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2011 31-03-2010

SCHEDULE 10 - FIXED ASSETS I. Premises Gross Block At cost at the beginning of the year Additions during the year Deductions during the year TOTAL Depreciation As at the beginning of the year Charge for the year On deductions during the year TOTAL II.

Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2011 31-03-2010

III.

Net Block Other Fixed Assets (including furniture and fixtures) Gross Block As at the beginning of the year Additions during the year Deductions during the year TOTAL Depreciation As at the beginning of the year Charge for the year On deductions during the year TOTAL Net Block CAPITAL WORK-IN-PROGRESS GRAND TOTAL (I + II + III)

SCHEDULE 11 - OTHER ASSETS I. Inter-office adjustments (net) II. Interest Accrued Tax paid in advance/tax deducted at source III. (net of provisions) IV. Stationery and stamps

V. VI.

Non banking assets acquired in satisfaction of claims Others # TOTAL # Includes deferred tax assets of Rs.816.85 crores (previous year Rs.611.33 crores)

SCHEDULE 12 - CONTINGENT LIABILITIES Claims against the bank not acknowledged as debts Liability for partly paid investments Liability on account of outstanding forward III. exchange and derivative contracts: (a) Forward Contracts (b) Interest Rate Swaps, Currency Swaps, Forward Rate Agreement & Interest Rate Futures (c) Foreign Currency Options TOTAL(a+b+c) Guarantees given on behalf of constituents In IV. India Outside India Acceptances, endorsements and other V. obligations Other items for which the Bank is contingently VI. liable GRAND TOTAL (I + II + III + IV + V + VI) I. II.

Rs. in '000 Rs. in '000 Year ended Year ended 31-03-2011 31-03-2010

SCHEDULES FORMING PART OF THE PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31 MARCH, 2011 Rs. in '000 Rs. in '000 Year ended Year ended SCHEDULE 13 - INTEREST EARNED 31-03-2011 31-03-2010 I. Interest/discount on advances/bills II. Income on investments III. Interest on balances with Reserve Bank of India and other inter-bank funds IV. Others TOTAL SCHEDULE 14 - OTHER INCOME I. Commission, exchange and brokerage II. Profit / (Loss) on sale of investments (net) III. Profit/(Loss) on sale of fixed assets (net) IV. Profit on exchange transactions/Derivatives transactions (net) V. Income earned by way of dividends etc. from subsidiaries/companies and/or joint venture abroad/in India VI. Miscellaneous Income TOTAL SCHEDULE 15 - INTEREST EXPENDED I. Interest on Deposits II. Interest on RBI / Inter-bank borrowings III. Other interest TOTAL SCHEDULE 16 - OPERATING EXPENSES I. Payments to and provisions for employees II. Rent, taxes and lighting III. Printing and stationery IV. Advertisement and publicity

V. VI. VII. VIII. IX. X. XI. XII.

Depreciation on banks property Directors fees, allowances and expenses Auditors fees and expenses Law charges Postage, telegram, telephone etc. Repairs and maintenance Insurance Other expenditure* TOTAL

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