ICICI Bank Synergy PPT V3

ICICI Bank Synergy

Why ICICI HFC Synergy? Affordable Whitespace (Apna Ghar, Micro LAP and Apna Ghar Dreamz) Addition to banks mortgage products suite- Income , Property and Profile Operating Profit – BEP and Revenue credits Acquisition and Retention of Customer

HFC Mortgage: Key Highlights



Apna Ghar Dreamz – Express BT

Saral

Sample Customer Profile sourced from Synergy Customer Profile Disbursement amount Marriage Hall - Business 15 Lakh Proprietor ship firm - Irregular ITR 15 Lakh Indian army employee 15 Lakh Salaried with Charitable trust 10 Lakh Rental Income 11 Lakh Jewelers Shop 10 Lakh Salaried - Nurse in Hospital 9 Lakh Cash Salaried at Vegetable Market 7 Lakh Salaried - Machine operator at Manufacturing Co 7 Lakh Salaried - Medical Representative School Teacher 8 Lakh Police Constable in Railway Police 15 Lakh 13.50 Lakh 7

Lead Sharing Process & Launch of Digital Application Process

Digital Application – i360 TAT reduction FTR culture Visibility of sales Access from anywhere pipeline Digital fee Complete digital collection Journey

Revenue Credits

ICICI Bank Employees March Privilege • 300 – 400 mapped customers Banker (PB) • Monthly BEP income target of Rs 3 Lakhs Others Deputy Branch 5% Manager (DBM) • 250 – 300 mapped customers Value Banker • Monthly BEP income target of Rs 2 Lakhs VB DBM 35% 17% (VB) • 400 – 450 mapped customers Officer • Monthly BEP income target of Rs 1 Lakhs PB JO 17% 26% • 150 – 200 mapped customers • Monthly BEP income target of Rs 1 Lakhs Product Revenue Credit Business BEP Income sourced (cr) earned Apna Ghar Dreamz 0.75% 30 Lakhs 22500 Micro LAP 1.25% 15 Lakhs 18750 41250 Total Income Earned

Where to check for revenue credits

For Branches – SMR Liability Objective report Path  Universe>Business Groups>RBG>RLG>Investments & Services>Analytics & MIS File Name  Month on Month Productwise Fee MIS (as per pnl)_SMR_Liab.Objective 13

For Staff - Mortgages Staff level credit can be checked under Assets head in Daily PB/VB/staff dashboard shared over email Text is set in 16pt Zurich BT 14

Synergy Enablers

One to Many opportunity Worksite Spot Sanction • Leverage Synergy with IR & KR for conducting worksites at: • 2 spot sanction per Branch • PMYA Projects per month • Urban Authorities • Nagar Palika • Pre Activity Choreography • Corporations of Spot Sanction • Leverage Synergy with Salary • Impact Analysis of Spot team for conducting worksites at Sanction to monitor corporates: progress • Cash salaried • Bank salary less than 21000 • MSME/SME Leverage Synergy by conducting Spot Sanction and Worksite

Fixed Deposits

Key Highlights Highest Credit Ratings by CRISIL, ICRA & CARE Tenure ranging from 1 year to 10 years with multiple income plans Additional interest rate benefit of 0.25% for Senior Citizens Loan against deposit up to 75% of FD value Easy online platform for customer onboarding Earn Revenue up to 2% Points to remember: 1. Interest rates for bulk deposits i.e value >= ` 2 Cr (` 20 mn) are released on daily basis. 2. 0.25% additional interest for Senior Citizen is not available on bulk deposits 18

FD Rate Comparison – For Public Deposits Base Rate ICICI HFC HDFC Ltd LIC HFC Bajaj Finserv Mahindra Finance ICICI Bank HDFC Bank Axis Bank Below `2crs Upto `2crs Upto `20crs Upto `5crs Upto `1cr Below `2crs Below `2crs Below `2crs 1-Apr-21 1-Feb-21 24-Aug-20 21-Oct-20 13-Nov-20 18-Mar-21 Tenor 25-Feb-21 15-Apr-21 - 30-Mar-21 (In Months) AAA from FAAA/Stable MAAA/Stable FAAA/Stable from MAAA from ICRA & AAA from ICRA, CARE & CRISIL CRISIL & ICRA from CRISIL from ICRA & CRISIL AAA from CARE AAA from CARE MAAA from ICRA FAAA/Stable from CRISIL >=12 to < 24 Existing ROI Proposed ROI Diff ROI Diff ROI Diff ROI Diff ROI Diff ROI Diff ROI Diff ROI Diff >=24 to < 36 4.30% 5.70% 1.40% 5.70% 0.00% 5.25% -0.45% 6.15% 0.45% 5.70% 4.99% -0.71% 5.35% >=36 to <48 5.55% 5.85% 0.30% 5.85% 0.00% 5.65% -0.20% 6.60% 0.75% 6.20% 0.00% 5.09% -0.61% 5.25% -0.60% 5.51% -0.35% >=48 to <60 5.95% 6.05% 0.10% 6.05% 0.00% 5.75% -0.30% 7.00% 0.95% 6.30% 0.35% 5.25% -0.60% 5.41% -0.64% 5.51% -0.34% >=60 to < 72 6.20% 6.30% 0.10% 6.05% -0.25% 5.75% -0.55% 7.00% 0.70% 6.45% 0.25% 5.46% -0.59% 5.41% -0.89% 5.51% -0.54% >=72 to < 84 6.25% 6.45% 0.20% 6.40% -0.05% 5.75% -0.70% 6.45% 0.15% 5.46% -0.84% 5.61% -0.84% 5.88% -0.79% >=84 to <108 6.45% 6.65% 0.20% 6.40% -0.25% - - 0.00% 5.61% -0.84% 5.61% -1.04% 5.88% -0.57% >=108 to <=120 6.45% 6.65% 0.20% 6.55% -0.10% - - - - - 5.61% -1.04% 5.61% -1.04% 5.88% -0.77% 6.45% 6.65% 0.20% 6.55% -0.10% - - - - - - 5.61% -1.04% 5.61% -1.04% 5.88% -0.77% - - - - - - 5.61% -1.04% -0.77% - * For Mahindra Finance rates are alligned to nearest tenure available Special Scheme Rate ICICI HFC HDFC Ltd* LIC HFC* Bajaj Finserv* Mahindra Finance* ICICI Bank* HDFC Bank* Axis Bank* Tenure Below `2crs Upto `2crs Upto `20crs Upto `5crs Upto `1cr Below `2crs Below `2crs Below `2crs (In Months) 30-Mar-21 1-Apr-21 1-Feb-21 21-Oct-20 ROI Diff ROI Diff ROI Diff 13-Nov-20 25-Feb-21 15-Apr-21 Diff ROI Diff 24-Aug-20 ROI Diff 18-Mar-21 7.00% 0.70% 5.46% -0.84% 5.41% -0.89% Existing ROI Proposed ROI 5.75% -0.55% 7.00% 0.65% ROI Diff 5.46% -0.89% 5.41% -0.94% ROI Diff 5.75% -0.60% 5.61% -1.04% 5.61% -1.04% 39 6.05% 6.30% 0.25% 6.20% -0.10% -- 6.30% 0.00% 5.51% -0.79% -- 45 6.20% 6.35% 0.15% 6.25% -0.10% 6.45% 0.10% 5.51% -0.84% 65 6.45% 6.65% 0.20% 6.60% -0.05% -- 5.88% -0.77% * Alligned to nearest tenure available in the respective Bank/NBFC/HFC ICICI HFC FD have Highest Credit Ratings by CRISIL, ICRA & CARE 19

Process

Fixed Deposit Process Login on website For Individual : For Non Individual: www.icicihfc.com Online Journey SR Based Process FCRM SR based process through HFC FD Related HFC Creation of New FD

Revenue Credits

Fixed Deposits Revenue credit for ICICI Bank branches on HFC deposits For ICICI Bank staff, same credit is applicable as it is for bank deposits. BEP Credit on combined gross mobilisation achievement of HFC FD and ICICI Bank FD

Where to check for revenue credits

For Staff – Fixed Deposits FD credit can be checked under Operating income head in daily staff dashboard shared over email 25

Thank You