ICICI Bank 2011 Annual Report Download - page 97

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F19
The following table sets forth, for the dates indicated, computation of capital adequacy.
` in million
As per Basel I framework As per Basel II framework
At
March 31, 2011
At
March 31, 2010
At
March 31, 2011
At
March 31, 2010
Tier-1 capital .......................................................... 463,987.9 432,614.3 449,749.1 410,615.1
(Of which Lower Tier-1) ......................................... 28,116.1 28,210.0 28,116.1 28,210.0
Tier-2 capital .......................................................... 231,007.0 181,569.1 217,501.5 160,409.9
(Of which Upper Tier-2) ......................................... 138,248.5 137,912.0 138,248.5 137,912.0
Total capital ............................................................ 694,994.9 614,183.4 667,250.6 571,025.0
Total risk weighted assets ..................................... 3,942,191.1 3,208,425.4 3,414,979.5 2,941,805.8
CRAR (%) ............................................................... 17.63% 19.14% 19.54% 19.41%
CRAR – Tier-1 capital (%) ...................................... 11.77% 13.48% 13.17% 13.96%
CRAR – Tier-2 capital (%) ...................................... 5.86% 5.66% 6.37% 5.45%
During the year ended March 31, 2011, the Bank raised subordinated debt qualifying for Tier-2 capital amounting to
` 59,790.0 million (March 31, 2010: ` 62,000.0 million). This included an issuance of ` 25,000.0 million, wherein the funds
were received in March 2010 but were not considered for Tier-2 capital pending allotment.
5. Information about business and geographical segments
Business Segments
Pursuant to the guidelines issued by RBI on Accounting Standard 17 – (Segment Reporting) - Enhancement of Disclosures
dated April 18, 2007, effective from year ended March 31, 2008, the following business segments have been reported.
Retail Banking includes exposures which satisfy the four criteria of orientation, product, granularity and low value
of individual exposures for retail exposures laid down in Basel Committee on Banking Supervision document
“International Convergence of Capital Measurement and Capital Standards: A Revised Framework”.
Wholesale Banking includes all advances to trusts, partnership firms, companies and statutory bodies, which are
not included under Retail Banking.
Treasury includes the entire investment portfolio of the Bank.
Other Banking includes hire purchase and leasing operations and other items not attributable to any particular
business segment.
Income, expenses, assets and liabilities are either specifically identified with individual segments or are allocated to
segments on a systematic basis.
All liabilities are transfer priced to a central treasury unit, which pools all funds and lends to the business units at appropriate
rates based on the relevant maturity of assets being funded after adjusting for regulatory reserve requirements.
forming part of the Accounts (Contd.)
schedules