ICICI Bank 2015 Annual Report Download - page 106

Management’s Discussion & Analysis
104 Annual Report 2014-2015
The following tables set forth, at the dates indicated, the composition of the Bank’s gross advances (net of write-offs).
` in billion, except percentages
March 31, 2014 March 31, 2015
Total
advances
% of total
advances
Total
advances
% of total
advances
Retail finance1, 2 ` 1,418.23 40.8% ` 1,736.27 43.5%
Power 221.43 6.4 248.07 6.2
Road, ports, telecom, urban development and other
infrastructure
253.96 7.3 244.96 6.1
Services – non-finance 218.77 6.3 233.13 5.8
Iron/steel and products 188.32 5.4 221.17 5.6
Services – finance 122.00 3.5 129.25 3.2
Wholesale/retail trade 66.13 1.9 116.59 2.9
Crude petroleum/refining and petrochemicals 103.47 3.0 114.56 2.9
Construction 83.75 2.4 99.98 2.5
Metal & products (excluding iron & steel) 69.01 2.0 92.26 2.3
Cement 76.74 2.2 91.31 2.3
Mining 60.96 1.8 71.10 1.8
Electronics and engineering 80.09 2.3 69.22 1.7
Shipping 59.46 1.7 66.03 1.7
Food and beverages 71.25 2.1 61.69 1.6
Manufacturing products (excluding metal) 37.63 1.1 34.98 0.9
Other industries3340.92 9.8 359.05 9.0
Total ` 3,472.12 100.0% ` 3,989.62 100.0%
1. Includes home loans, automobile loans, commercial business loans, dealer financing and small ticket loans to small businesses,
personal loans, credit cards, rural loans and loans against securities.
2. Includes loans against FCNR deposits of ` 67.84 billion at March 31, 2015 (March 31, 2014: ` 65.03 billion).
3. Other industries primarily include developer financing portfolio, gems and jewellery, chemical and fertilizers, textile, automobiles,
drugs and pharmaceuticals and FMCG.
4. All amounts have been rounded off to the nearest ` 10.0 million.
The following table sets forth, at the dates indicated, the composition of the Bank’s gross (net of write-offs) outstanding
retail finance portfolio.
` in billion, except percentages
March 31, 2014 March 31, 2015
Total
retail advances
% of total
retail advances
Total
retail advances
% of total
retail advances
Home loans ` 709.17 50.0% ` 894.81 51.6%
Automobile loans 155.15 10.9 189.97 10.9
Commercial business 125.31 8.8 109.36 6.3
Business banking183.10 5.9 97.11 5.6
Personal loans 46.90 3.3 71.28 4.1
Credit cards 36.16 2.6 41.42 2.4
Others2, 3 262.44 18.5 332.32 19.1
Total retail finance portfolio3` 1,418.23 100.0% ` 1,736.27 100.0%
1. Includes dealer financing and small ticket loans to small businesses.
2. Includes rural loans and loans against securities.
3. Includes loans against FCNR deposits of ` 67.84 billion at March 31, 2015 (March 31, 2014: ` 65.03 billion).
4. All amounts have been rounded off to the nearest ` 10.0 million.
The net retail loan portfolio of the Bank grew by 24.6% during fiscal 2015.