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ICICI Bank Reviews

Mumbai, Maharashtra

4.3/ 5

3 reviews

ICICI Bank Limited is an Indian multinational bank and financial services company. Headquartered in Mumbai, Maharashtra, with its registered office in Vadodara, Gujarat, ICICI Bank is the second-largest private sector bank in India by assets and market capitalization. The bank offers a comprehensive suite of banking and financial services to corporate, retail, SME, and agricultural customers through a variety of delivery channels and specialized subsidiaries. The bank was originally established in 1994 as a wholly owned subsidiary of the Industrial Credit and Investment Corporation of India (ICICI), a development financial institution formed in 1955 at the initiative of the World Bank, the Government of India, and representatives of Indian industry to provide project financing to domestic businesses. In the 1990s, following the liberalization of India's financial sector, ICICI transformed itself into a diversified financial services provider. In 1999, ICICI became the first Indian company and the first bank or financial institution from non-Japan Asia to list on the New York Stock Exchange (NYSE), traded under the ticker IBN. Today, its equity shares are actively traded on the National Stock Exchange of India (NSE) and the Bombay Stock Exchange (BSE). ICICI Bank operates an expansive domestic infrastructure. As of March 2026, its network includes 7,511 branches and 12,087 ATMs/CRMs across the country. The bank's business structure is organized into multiple core segments: Retail Banking, Wholesale Banking, Treasury Operations, Life Insurance, General Insurance, and Other Banking operations. Its product portfolio spans consumer banking, mortgage loans, credit cards, commercial banking, private banking, wealth management, and digital solutions like its "iMobile Pay" and "ICICI STACK" applications. Beyond its extensive domestic operations, ICICI Bank maintains a significant international footprint, operating across 15 countries. It has banking subsidiaries in the United Kingdom and Canada, branches in the United States, Singapore, Bahrain, Hong Kong, Qatar, Oman, China, South Africa, and the Dubai International Finance Centre, alongside representative offices in various global markets including the United Arab Emirates, Bangladesh, Malaysia, and Indonesia. The bank's broader business network operates heavily through specialized subsidiaries. These include prominent domestic market leaders such as ICICI Prudential Life Insurance, ICICI Lombard General Insurance, ICICI Prudential Asset Management Company, ICICI Securities, and the retail broking platform ICICI Direct. Financially, for the fiscal year 2026, ICICI Bank reported a total revenue of INR 312,118 crore and a consolidated net income of INR 54,208 crore, with total assets evaluated at INR 29.14 lakh crore. The institution is led by part-time Non-Executive Chairman Pradeep Kumar Sinha and Managing Director & CEO Sandeep Bakhshi.