dp109139_20f.htm FORM 20-F
20-F 10225_00067/DP109139_20F
1 of 495 07/31/2019 03:46 PM
As filed with the Securities and Exchange Commission on July 31, 2019
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 20-F
(Mark One)
☐REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934
OR
☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended March 31, 2019.
OR
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from to .
OR
☐SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
Date of event requiring this shell company report
Commission file number: 001-15002
ICICI BANK LIMITED
(Exact name of Registrant as specified in its charter)
Vadodara, Gujarat, India
(Jurisdiction of incorporation or organization)
ICICI Bank Towers Bandra-Kurla Complex Mumbai 400051, India
(Address of principal executive offices)
(Name, Telephone, E-mail and/or Facsimile number and Address of Company Contact Person)
Securities registered or to be registered pursuant to Section 12(b) of the Act:
Title of each class
Equity Shares of ICICI Bank Limited(1)
American Depositary Shares, each representing two Equity Shares of
ICICI Bank Limited, par value
Rs. 2 per share
Name of each exchange on which registered
New York Stock Exchange
New York Stock Exchange
__________________
(1) Not for trading, but only in connection with the registration of American Depositary Shares representing such Equity Shares pursuant to the requirements of the Securities and Exchange Commission.
Securities registered or to be registered pursuant to Section 12(g) of the Act:
[None]
Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act:
[None]
The number of outstanding Equity Shares of ICICI Bank Limited as of March 31, 2019 was 6,446,239,653.
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
Yes☒No☐
If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
Yes☐
No☒
Note- Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 from their obligations under those Sections.
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes☒
No☐
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
Yes☐No☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of "accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. (Check one):
Large Accelerated Filer☒Accelerated Filer☐Non-accelerated Filer☐
Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:
☐U.S. GAAP
☐International Financial Reporting Standards as issued by the International Accounting Standards Board☒Other
If "Other" has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow.
☐Item 17☒Item 18
If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes☐No☒
TABLE OF CONTENTS
Page
Cross Reference Sheet 1
Certain Definitions 4
Forward-Looking Statements 5
Market Price Information 6
Risk Factors 7
Business 44
Overview 44
History 45
Shareholding Structure and Relationship with the Government of India 45
Strategy 47
Overview of Our Products and Services 47
Funding 62
Risk Management 64
Loan Portfolio 89
Classification of Loans 96
Subsidiaries, Associates and Joint Ventures 110
Technology 112
Competition 116
Employees 118
Properties 119
Legal and Regulatory Proceedings 120
American Depository Receipt Fees and Payments 126
Selected Consolidated Financial and Operating Data 128
Operating and Financial Review and Prospects 133
Management 221
Overview of The Indian Financial Sector 235
Supervision and Regulation 251
Exchange Controls 303
Restriction On Foreign Ownership of Indian Securities 306
Dividends 310
Taxation 311
Presentation Of Financial Information 317
Exhibit Index 320
i
CROSS REFERENCE SHEET
Form 20-FItem Number and Caption
Location
Part - I1
Identity of Directors, Senior
Management and Advisers
2
Offer Statistics and Expected
Timetable
3
Key Information
4
Information on the Company
4A 5
Unresolved Staff Comments
Operating and Financial Review and
Prospects
6
Directors, Senior Management and
Employees
7
Major Shareholders and Related
Party Transactions
8
Financial InformationNot applicableNot applicableSelected Consolidated Financial and Operating Data 128
Risk Factors 7
Business 44
Operating and Financial Review and Prospects 133
Overview of the Indian Financial Sector 235
Supervision and Regulation 251
Business-Subsidiaries, Associates and Joint Ventures 110
Business-Properties 119
Schedule 18B Note 5 in Notes to Consolidated Financial Statements
F-112
NoneOperating and Financial Review and Prospects 133
Business-Risk Management 64
Business-Funding 62
Management 221
Business-Employees 118
Business-Shareholding Structure and Relationship with the Government
of India 45 Operating and Financial Review and Prospects-Related Party
Transactions 206 Management-Compensation and Benefits to Directors and
Officers-Loans 230
Schedule 18. Note 3 in Notes to Consolidated Financial Statements F-47
Report of Independent Registered Public Accounting Firm F-2
Consolidated Balance Sheet F-5
1
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ICICI Bank Ltd. published this content on 01 August 2019 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 01 August 2019 14:24:08 UTC