ICICI Bank Ltd

- The bank plans to raise around ₹25,000 crore in securities. - Additionally, it intends to raise about $1.5 billion from the overseas market. - These fundraising measures are enabling decisions taken at the beginning of the year, not specific reactions to recent developments. - The bank believes deposit and credit growth will generally move in tandem, with borrowings used in a limited fashion if needed. - Overall, the bank does not foresee challenges in deposit growth to meet credit needs and maintains a healthy Liquidity Coverage Ratio (LCR) of about 126%.

- The transcript does not explicitly mention any specific current or future capital expenditure (capex) or strategic investment plans. - The bank emphasizes maintaining a strong capital position with a CET-1 ratio of 16.35% and total capital adequacy ratio of 17.18% (Page 22). - It plans to leverage its strong capital, liquidity, funding, and large franchise to grow the business in a risk-calibrated manner (Page 46). - There is mention of incremental borrowings via long-term debt instruments: around ₹25,000 crore in securities and $1.5 billion from overseas markets to support loan growth (Page 14). - Focus remains on profitable growth, strong balance sheet, prudent provisioning, and investing in technology and customer acquisition, but no detailed capex figures are given. - Hiring plans are discussed but not quantified for strategic investment purposes (Page 18).

- ICICI Bank finds it difficult to make precise growth predictions due to evolving geopolitical and economic uncertainties, including the West Asia conflict. - The bank aims for risk-calibrated growth, focusing on good quality customers across segments without specific segment targeting. - There is an expectation to grow the business by leveraging strong capital, liquidity, and funding with calibrated risk acceptance. - ICICI intends to sustain growth momentum seen in recent quarters but avoids committing to specific growth rates. - Retail segments like mortgages and business banking have shown growth, and opportunities exist in corporate loans, rural India, and gold loans. - The bank plans to prioritize profitable growth, balancing revenue increase ahead of expenses. - Operating expenses growth is expected to be below top-line growth, supporting positive operating leverage. - Growth is expected to be broad-based, with a focus on customer quality and fair pricing rather than product or segment-specific pushes.

- ICICI Bank does not provide explicit growth targets but aims to grow profit before tax excluding treasury by focusing on quality customers and risk-calibrated growth. - Profit growth for FY2026 was 6.2% year-on-year; core operating profit grew by 7.7% year-on-year. - Management expects operating expenses growth to remain below top-line growth to sustain positive jaws in the future. - Profitability and margins are expected to be range-bound in FY27, with NIMs maintained around current levels given macroeconomic and geopolitical uncertainties. - Business growth will depend on evolving conditions, with a focus on growing revenues ahead of costs post credit costs. - The bank remains cautious due to geopolitical risks like the West Asia conflict but is confident in its strong balance sheet and risk acceptance framework to drive profitable growth. - Dividend of ₹12 per share recommended for FY2026, indicating stable shareholder returns.

The provided pages from the document do not contain specific information about the current or expected order book or pending orders for the bank. The discussion mainly revolves around: - Capital strength and liquidity - Loan and deposit growth outlook - Cost of deposits and deposit repricing - Operating expenses and cost-to-income ratio - Asset quality, provisioning, and risk management - Impact of geopolitical events (West-Asia crisis) on business - Business banking and corporate loan growth - Retail loan growth drivers, including mortgages and personal loans - No explicit mention of order book or pending orders in these excerpts. If you need details on order book or pending orders specifically, they may not be covered in these pages of the document.