Icici Bank

ICICI Bank is India’s second-largest bank with total assets of Rs. 3,634.00 billion (US$ 81 billion) at March 31, 2010 and profit after tax Rs. 40.25 billion (US$ 896 million) for the year ended March 31, 2010. The Bank has a network of 2,044 branches and about 5,546 ATMs in India and presence in 18 countries. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management.

The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK subsidiary has established branches in Belgium and Germany.

ICICI Bank’s equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). Corporate Profile

ICICI Bank is India’s second-largest bank with total assets of Rs. 3,562.28 billion (US$ 77 billion) as on December 31, 2009

ICICI Grouphttp://www.icicigroupcompanies.com- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – ICICI Prudential Life Insurance Companyhttp://www.iciciprulife.com/public/default.htm- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – ICICI Securitieshttp://www.icicisecurities.com/index.asp- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – ICICI Lombard General Insurance Companyhttp://www.icicilombard.com/- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – — – – – ICICI Prudential AMC & Trusthttp://www.icicipruamc.com/pruicicin/htdocs/home1/index1.html – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – ICICI Venturehttp://www.iciciventure.com/- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – ICICI Directhttp://www.icicidirect.com- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – ICICI Foundationhttp://www.icicifoundation.org- – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – – Disha Financial Counsellinghttp://www.icicifoundation.org

Board MembersMr. K. V. Kamath, Chairman…………………………………………….Mr. Sridar Iyengar…………………………………………….Mr. Homi R. Khusrokhan…………………………………………….Dr. Anup K. Pujari………………………………………….Mr. M.S. Ramachandran…………………………………………..Dr. Tushaar Shah…………………………………………..Mr. M.K. Sharma…………………………………………..Mr. V. Sridar

Mr. V. Prem Watsa…………………………………………..Ms. Chanda D. Kochhar,Managing Director & CEO…………………………………………………Mr. N. S. Kannan,Executive Director & CFO…………………………………………………Mr. K. Ramkumar,Executive Director…………………………………………………Mr. Rajiv Sabharwal,Executive Director

Awards 2010Ms.Chanda Kochhar, Managing Director & CEO was ranked 10th in the International Fortune list of 50 most powerful women in business Ms. Chanda Kochhar, Managing Director & CEO was featured as one of the five women to make it to the Forbes India magazine’s list of the 100 richest Indians ICICI Bank was voted as the Most Trusted Brand among private sector banks in the 2010 Economic Times – Brand Equity Most Trusted Brands Awards and ranked 7th in the list of Top 50 service brands ICICI Bank received the 2010 World Finance UK award for:

Excellence in Remittance Business, WorldwideExcellence in NRI Services, WorldwideExcellence in Private Banking Business, APAC Region

ICICI Bank UK, HiSAVE has been awarded ‘Best Online Savings Account Provider 2010 ‘ by Your Money ,direct consumer awards,UK ICICI Bank UK, HiSAVE has been commended for ‘Best Internet

Account Provider 2010′ and ‘Best Fixed Rate Account Provider 2010’ by Moneyfacts, an independent consumer finance leading aggregator Ms.Chanda Kochhar, MD & CEO was awarded the Financial Express Best Banker Award For the sixth time in a row, ICICI Bank has received the Most Preferred Auto Loan Brand in the Financials Services category at the CNBC Consumer Awards ICICI Bank has won Gold in the Readers Digest Trusted Brands 2010 Consumer award in the Finance category for a) Best Bank and b)

Best Credit Card Issuing Bank ICICI Bank wins the Asian Banker Award for Best Banking Security System ICICI Bank is the first and the only Indian brand to be ranked as the 45th most valuable global brand by BrandZ Top 100 Global Brands Report. Mr.N. Vaghul, Former Chairman, ICICI Bank was awarded the “Padma Bhushan” ICICI Group Global Private Clients (GPC) has won the coveted ‘Euromoney Private Banking Award 2010’ for Best Bank in the Super-Affluent Category (USD 500,000 to USD 1 million) – India. The other categories in which GPC picked up awards were: Fixed Income Portfolio Management

Lending/Financing SolutionsPrecious Metals InvestmentPrivate Equity InvestmentSpecialized Services – EntrepreneursFX/Rates Derivatives Supplier

HOME LOANThe current ICICI Bank Base Rate (I-Base) is at 7.75%.

Eligibility -Home Loans can be availed by Resident Indian whether Salaried or Self-Employed and also by Non- Resident Indian who are Salaried. For resident Indians the following are the eligibility norms: Client must be at least 21 years of age when the loan is sanctioned. The loan must terminate before or when client turn 65 years of age or before retirement, whichever is earlier. Client must be employed or self-employed with a regular source of income.

2.Loan Amount -With ICICI Bank Home Loans, client can get a home loan suited to his needs. The home loan amount depends on his repayment capability and is restricted to a maximum of 80% of the cost of the property or the cost of construction as applicable.

A number of factors are taken into account when assessing his repayment capacity. Repayment capacity takes into consideration factors such as income, age, qualifications, number of dependants, spouse’s income, assets, liabilities, stability, continuity of occupation and savings history. However, there are ways by which client can enhance his eligibility. If his spouse is earning, put him/her as a co-applicant. The additional income shall be included to enhance his loan amount. In case of any co-owners they must necessarily be co-applicants.

3.Documents required for the Sanctioning of Home Loan ICICI Bank, offers attractive interest rates and unbeatable benefits to ensure that client get the best deal without any hassles. Keeping his convenience in consideration, client is asked for minimal mandatory documents for the sanctioning of his Loan Against Property. the following documents to sanction his Loan Against Property: Duly Completed Application Form

PhotographFee chequePhoto Identity ProofSignature Verification ProofResidence Address ProofProperty documents as required

Document specific for SalariedLast 3 months’ salary slipsForm 16Bank Statement for last 6 months from salary accountRepayment details on any existing loans or loan closure letter

Document specific for Self EmployedIncome Tax Return / Computation of Total Income / Auditors Report / Balance Sheet / Profit & Loss Account certified by Chartered Accountant for last 2 years (3 years for Home Equity) (both for business and personal of partners/directors) Bank Statement for last 6 months from operating account

Repayment details on existing loans or loan closure letterBoard Resolution in case of a companyProof of existence of the business entityProof of Office AddressPhoto Identity Proof, Residence Address Proof, Signature Verification must be provided for all the main partners / directors 4.Disbursement of his ICICIBank Home Loan

At ICICI Bank Home Loans, the loan amount is disburse after client identification and selection of the property or home that client is purchasing and submition of the requisite legal documents. While client may be under the impression that the list of documents asked for is rather extensive.

The 230 A Clearance of the seller and / or 37I clearance from the appropriate income tax authorities (if applicable) is also needed. On satisfactory completion of the above, on registration of the conveyance deed and on the investment of client’s own contribution, the loan amount (as warranted by the stage of construction) will be disbursed by ICICI Bank. Property documents (as per P&D for respective states and as asked by empanelled lawyers for individual cases). Facility Agreement.

Disbursal Request Form.Cheque Submission Form – for Pre EMI and EMI cheques.ECS or Auto Debit for ICICI Bank account holders or Post Dated Cheques for EMI / Pre EMI. Personal Guarantor’s Documents (PG Form, Photograph, Identity Proof, Address Proof, Signature Verification and Income documents, if applicable). In case of property is owned by a company

Memorandum of Entry.Form 8.NOC.7.Insurance Plans for his Home LoanIntroducing exclusive Home Insurance plans, that can provide cover to Home loan in the face of any unforeseen event happening to his life. In case of any of these happenings, client’s family will have the support of the insurance cover to pay for the outstanding Home loan, without being burdened by the loan EMI’s. ICICI Bank Home Loans presents “HomeSafePlus” & “HomeAssure/HealthAssure” two exclusive and innovative insurance plans to insure his Home Loan. 8.Tools client can use

Adjustable Rate Home Loan EMI calculator :If client want to apply for an Adjustable Rate home loan, this tool will enable client to calculate his Equated Monthly Installment (EMI ) if client know the loan amount client require, term for which client want to take the loan & the rate of interest that is applicable. client can check the EMIs for different loan tenures to decide which would be most suitable for client. Fixed Rate Home Loan EMI calculator :

client can use this tool to calculate his EMI in case client wish to opt for a Fixed Rate home loan. The tool will allow client to see the EMI for the loan amount client require