ICICI Bank

26 May 2023

🧠 Business Model (Expanded) ICICI Bank has successfully transformed from a commercial lender into a digital-first financial powerhouse. • Retail banking • Wealth management & insurance • Corporate banking

💰 Financials (FY22–23) • Net Profit: ₹34,000 crore • Gross NPA: ~3.2% • Net Interest Income: ₹61,000 crore

🧩 Strategy (Expanded) • Early investment in tech-first banking • Strong brand in SMEs and retail • Solid growth in fee-based revenue

🧠 Founder POV A bank’s success lies in how early it adapts to tech-first banking.

⚖️ Takeaway Consistency and tech go hand-in-hand for the long haul.

📎 Disclaimer: Not investment advice.