ICICI Bank 2012 Annual Report Download - page 66
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64
our total loan portfolio reduced as a result of moderation in systemic retail growth, our conscious strategy
of reducing the unsecured retail loan portfolio, higher level of repayments/prepayments from the existing
secured retail portfolio relative to incremental disbursements and the higher pace of growth in the non-retail
portfolio. In fiscal 2012, we saw an increase in retail lending volumes in secured retail products. In fiscal
2012, our total retail portfolio grew by 7.1% and our secured retail portfolio grew by 9.4%.
Our Credit Risk Management Group monitors all major sectors of the economy and specifically tracks sectors
in which we have loans outstanding. We seek to respond to any economic weakness in an industrial segment
by restricting new exposures to that segment and any growth in an industrial segment by increasing new
exposures to that segment, resulting in active portfolio management.
The following tables set forth, at the dates indicated, the composition of our gross advances (net of write-offs).
` in billion, except percentages
March 31, 2011 March 31, 2012
Total
advances
% of total
advances
Total
advances
% of total
advances
Retail finance1` 890.74 39.7% ` 953.93 36.4%
Services – non-finance 173.36 7.7 194.81 7.4
Road, ports, telecom, urban development
and other infrastructure 129.54 5.8 181.96 7.0
Services – finance 161.43 7.2 156.41 6.0
Power 98.11 4.4 141.24 5.4
Iron/steel and iron/steel products 94.88 4.2 122.31 4.7
Mining 41.49 1.9 84.03 3.2
Crude petroleum/refining and
petrochemicals 141.83 6.3 70.76 2.7
Food and beverages 70.63 3.2 67.79 2.6
Construction 36.43 1.6 57.97 2.2
Electronics and engineering 44.72 2.0 56.61 2.2
Wholesale/retail trade 52.00 2.3 50.06 1.9
Metal & products (excl iron & steel) 18.74 0.8 48.19 1.8
Shipping 22.07 1.0 42.39 1.6
Cement 17.25 0.7 39.78 1.5
Chemical and fertilizers 29.24 1.3 34.98 1.3
Other industries2221.69 9.9 317.54 12.1
Total ` 2,244.15 100.0% ` 2,620.76 100.0%
1. Includes home loans, automobile loans, commercial business loans, two wheeler loans, personal loans and
credit cards. Also includes dealer funding portfolio and developer financing portfolio.
2. Other industries primarily include automobiles, drugs and pharmaceuticals, FMCG, gems and jewellery,
manufacturing products excluding metal and textile etc.
Management’s Discussion & Analysis