ICICI Bank 2013 Annual Report Download - page 176
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F98
The lower Tier-2 bonds (subordinated debt) are cumulative and have an original maturity between 5 to 15
years. The interest on lower Tier-2 capital instruments is payable quarterly, semi-annually or annually.
RBI through its circular dated January 20, 2011 stipulated that henceforth capital instruments issued with
step-up option will not be eligible for inclusion in the capital funds. Capital issuances with step-up option prior
to the release of the above-mentioned circular would continue to remain eligible for inclusion in regulatory
capital. The Bank is in compliance with this stipulation and the existing Tier-1 and Tier-2 capital instruments
with step-up option have all been issued prior to January 20, 2011.
All instruments issued on or after January 1, 2013 will have to comply with RBI guidelines on Basel III to be
eligible for capital treatment.
b. Amount of Tier-1 capital (March 31, 2013)
` in billion
Tier-1 capital elements Amount
Paid-up share capital112.48
Reserves2647.17
Innovative Tier-1 capital instruments 31.43
Minority interest 0.93
Gross Tier-1 capital 692.01
Deductions:
Investments in instruments eligible for regulatory capital of financial subsidiaries/
associates
25.58
Securitisation exposures including credit enhancements 10.66
Deferred tax assets 26.22
Others32.07
Minority interest not eligible for inclusion in Tier-1 capital 0.49
Net Tier-1 capital 626.99
1. Includes preference shares permitted by RBI for inclusion in Tier-1 capital.
2. Includes statutory reserves, disclosed free reserves, capital reserves and special reserves (net of tax payable).
3. Includes goodwill and adjustments for less liquid positions.
c. Amount of Tier-2 capital (March 31, 2013)
` in billion
Tier-2 capital elements Amount
General provisions 21.21
Upper Tier-2 capital instruments 151.57
Lower Tier-2 capital instruments 192.98
Gross Tier-2 capital 365.76
Deductions:
Investments in instruments eligible for regulatory capital of financial
subsidiaries/associates
25.58
Securitisation exposures including credit enhancements 10.66
Net Tier-2 capital 329.52
BASEL II – PILLAR 3 DISCLOSURES (CONSOLIDATED)
at March 31, 2013