ICICI Bank 2015 Annual Report Download - page 13
Download and view the complete annual report
Please find page 13 of the 2015 ICICI Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1 -
2
-
3 -
4 -
5 -
6 -
7 -
8 -
9 -
10 -
11 -
12 -
13 -
14 -
15 -
16 -
17 -
18 -
19 -
20 -
21 -
22 -
23 -
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
-
136
-
137
-
138
-
139
-
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
-
221
-
222
-
223
-
224
-
225
-
226
-
227
-
228
-
229
-
230
-
231
-
232
-
233
-
234
-
235
-
236
 |
 |
11Annual Report 2014-2015
Message from Executive Directors
“During fiscal 2015, we further strengthened our core franchise. This is reflected in our
increased momentum in retail lending, higher net interest margins, sustained CASA
performance, better operating efficiencies and higher dividends from subsidiaries.
We also earned higher treasury income by making use of market opportunities. We
have continued to invest in expanding our physical footprint and enhancing customer
offerings through technology innovations. These, combined with our strong capital
base, positions us well for future growth and for delivering improved returns to our
shareholders.”
N. S. Kannan
Executive Director
“We, at ICICI Bank, always strive to empower our customers by providing them with a
best-in-class banking experience. We continuously innovate and introduce first-of-its-
kind technology solutions for our customers. We are the first bank in India to launch a
mobile digital bank – ‘Pockets’, banking on ‘Apple Watch’, voice identification at the call
centre, banking on Facebook & Twitter, Tap n Pay credit/debit cards, prepaid electronic
toll collection cards for highways & metro rail and self-service kiosks for varied banking
services. We will continue to introduce and adapt new technology solutions to offer the
best experience to our customers and help realise the dream of a ‘Digital India’.”
Rajiv Sabharwal
Executive Director
“In fiscal 2015, we have leveraged automation in our operations shops to reduce errors,
speed up the turn around time and deliver high quality service to customers. Digitisation
was a key focus area and has resulted in streamlining processes and improvement in
employee productivity.”
K. Ramkumar
Executive Director
11Annual Report 2014-2015