The following additional disclosures have been made taking into account
 the requirements of Accounting Standards (ASs) and Reserve Bank of
 India (RBi) guidelines in this regard.
 
 1.  Amalgamation of The Bank of Rajasthan Limited
 
 The Bank of Rajasthan Limited (Bank of Rajasthan), a banking company
 incorporated under the Companies Act, 1956 and licensed by RBI under
 the Banking Regulation Act, 1949 was amalgamated with ICICI Bank
 Limited (ICICI Bank) with effect from close of business of August 12,
 2010 in terms of the Scheme of Amalgamation (the Scheme) approved by
 the RBI vide its order DBOD No. PSBD 2603/16.01.128/2010-11 dated
 August 12, 2010 under sub section (4) of section 44A of the Banking
 Regulation Act, 1949. The consideration for the amalgamation was 25
 equity shares of ICICI Bank of the face value ofRs. 10 each fully paid-up
 for every 118 equity shares of Rs. 10 each of Bank of Rajasthan.
 Accordingly, ICICI Bank allotted 31,323,951 equity shares to the
 shareholders of Bank of Rajasthan on August 26, 2010 and 2,860,170
 equity shares which were earlier kept in abeyance pending civil appeal,
 on November 25, 2010.
 
 ICICI Bank is also a banking company incorporated under the Companies
 Act, 1956 and licensed by RBI under the Banking Regulation Act, 1949.
 
 As per the Scheme, the undertaking of Bank of Rajasthan including all
 its assets and liabilities stood transferred/deemed to be transferred
 to and vested in ICICI Bank as a going concern.
 
 The amalgamation has been accounted for as per the Scheme. Accordingly,
 the assets and liabilities of Bank of Rajasthan have been accounted at
 the values at which they were appearing in the books of Bank of
 Rajasthan at August 12, 2010 and provisions were made for the
 difference between the book values appearing in the books of Bank of
 Rajasthan and the fair value as determined by ICICI Bank.
 
 In the books of ICICI Bank, an amalgamation expenses provision account
 was credited by an amount determined for the expenses and costs of the
 Scheme arising as a direct consequence on account of any changes in the
 business or operations of Bank of Rajasthan proposed or considered
 necessary by the Board of Directors of ICICI Bank (including but not
 limited to rationalisation, upgradation and enhancement of human
 resources and expenses relating to modifying signage, modifying
 stationery, branding, changing systems and network, communication
 including media costs, impairment of technology and fixed assets,
 conducting general meetings, payment of listing fees and other
 statutory and regulatory charges, travel in relation to the
 consolidation contemplated in the Scheme, valuation, due diligence,
 investment banking expenses and charges relating to preparation of the
 Scheme, consultations in relation to the consolidation contemplated in
 the Scheme and training), and other extraordinary expenses on
 integration and consolidation under the Scheme, to be incurred by ICICI
 Bank and the balance in such account has been debited to the securities
 premium account.
 
 2.  Earnings per share
 
 Basic and diluted earnings per equity share are computed in accordance
 with AS 20 - Earnings per share. Basic earnings per equity share is
 computed by dividing net profit after tax by the weighted average
 number of equity shares outstanding during the year. The diluted
 earnings per equity share is computed using the weighted average number
 of equity shares and dilutive potential equity shares outstanding
 during the year.
 
 4.  Capital adequacy ratio
 
 The Bank is subject to the Basel If capital adequacy guidelines
 stipulated by the Reserve Bank of India (RBI) with effect j from March
 31, 2008. The RBI guidelines on Basel II require the Bank to maintain a
 minimum capital to risk-weighted | assets ratio (CRAR) of 9.0% and a
 minimum Tier-1 CRAR of 6.0% on an ongoing basis.
 
 RBI has also stipulated that banks shall maintain capital at higher of
 the minimum capital required as per Basel U or 80% \ of the minimum
 capital required as per Basel I. At March 31, 2011, the prudential
 floor at 80% of the minimum capital !  requirement under Basel I was Rs.
 283,837.8 million and was lower than the minimum capital requirement of
 Rs. 307,348.2 million under Basel II. Hence, the Bank has maintained
 capital adequacy at March 31, 2011 as per the Basel II norms.
 
 S.  Information about business and geographical segments
 
 Business Segments
 
 Pursuant to the guidelines issued by RBI on Accounting Standard
 17-(Segment Reporting) -Enhancement of Disclosures dated April 18,
 2007, effective from year ended March 31, 2008, the following business
 segments have been reported.
 
 - Retail Banking includes exposures which satisfy the four criteria of
 orientation, product, granularity and low value of individual exposures
 for retail exposures laid down in Basel Committee on Banking
 Supervision document International Convergence of Capital Measurement
 and Capital Standards: A Revised Framework.
 
 - Wholesale Banking includes all advances to trusts, partnership firms,
 companies and statutory bodies, which are not included under Retail
 Banking.
 
 - Treasury includes the entire investment portfolio of the Bank.
 
 - Other Banking includes hire purchase and leasing operations and other
 items not attributable to any particular business segment.
 
 Income, expenses, assets and liabilities are either specifically
 identified with individual segments or are allocated to segments on a
 systematic basis.
 
 All liabilities are transfer priced to a central treasury unit, which
 pools all funds and lends to the business units at appropriate rates
 based on the relevant maturity of assets being funded after adjusting
 for regulatory reserve requirements.
 
 7.  Preference shares
 
 Certain government securities amounting to Rs. 2,563.8 million at March
 31, 2011 (March 31, 2010: Rs. 2,405.2 million) have been earmarked
 against redemption of preference shares issued by the Bank, which fall
 due for redemption on April 20, 2018, as per the original issue terms.
 
 8.  Employee Stock Option Scheme (ESOS)
 
 In terms of the ESOS, as amended, the maximum number of options granted
 to any eligible employee in a financial year shall not exceed 0.05% of
 the issued equity shares of the Bank at the time of grant of the
 options and aggregate of all such options granted to the eligible
 employees shall not exceed 5% of the aggregate number of the issued
 equity shares of the Bank on the date(s) of the grant of options. Under
 the stock option scheme, eligible employees are entitled to apply for
 equity shares. Options granted for fiscal 2003 and earlier years vest
 in a graded manner over a three-year period, with 20%, 30% and 50% of
 the grants vesting in each year commencing from the end of 12 months
 from the date of grant. Options granted for fiscal 2004 to 2008 vest in
 a graded manner over a four-year period, With 20%, 20%, 30% and 30% of
 the grants vesting in each year commencing from the end of 12 months
 from the date of grant. Options granted in April 2009 vest in a graded
 manner over a five year period with 20%, 20%, 30% and 30% of grant
 vesting each year, commencing from the end of 24 months from the date
 of grant. Options granted in March 2010 onwards would vest in a graded
 manner over a four year period with 20%, 20%, 30% and 30% of grant
 vesting each year, commencing from the end of 12 months from the date
 of grant. The options can be exercised within 10 years from the date of
 grant or five years from the date of vesting, whichever is later. As
 per the scheme, the exercise price of ICICI Banks options is the last
 closing price on the stock exchange, which recorded highest trading
 volume preceding the date of grant of options.  Hence, there was no
 compensation cost based on intrinsic value of options.
 
 In February 2011, the Bank granted 3,035,000 options to eligible
 employees and whole-time Directors of ICICI Bank and certain of its
 subsidiaries at an exercise price of Rs. 967. Of these options granted,
 50% would vest on April 30, 2014 and the balance 50% would vest on
 April 30, 2015. Based on intrinsic value of options, compensation cost
 of Rs. 2.9 million was recognised during the year ended March 31, 2011.
 
 9.  Reconciliation of nostro account
 
 In terms of RBI circular no. DBOD.BRBC.No. 133/21.04.018/2008-09 dated
 May 11, 2009, Rs. 2.6 million (March 31, 2010: Rs. 10.4 million)
 representing outstanding credit balances of individual value less than
 US$ 2,500 or equivalent lying in nostro account, which were originated
 up to March 31, 2002, was transferred to profit and loss account during
 the year ended March 31, 2011 and has been subsequently appropriated to
 General Reserve.
 
 11.  Repurchase transactions
 
 Till March 31, 2010, the Bank used to account for market repurchase and
 reverse repurchase transactions in government securities and corporate
 debt securities, if any, as sale and repurchase transactions.
 However, as per RBI circular no. RBI/2009-2010/356 IDMD/
 4135/11.08.43/2009-10 dated March 23, 2010, the Bank has started
 accounting for such transactions as borrowing and lending
 transactions, effective April 1, 2010. If the Bank had continued to
 account the repurchase and reverse repurchase transactions as sale and
 repurchase at March 31, 2011, the investments would have been higher
 by Rs. 122.8 million and the Balances with Banks and Money at call and
 short notice and Borrowings would have been lower by Rs. 124.0 million
 and f 1.2 million respectively.
 
 14.  Settlement date accounting for government securities
 
 Pursuant to RBI circular DBOD.No.BRBC.58/21.04.141/2010-11 dated
 November 4, 2010, the Bank has changed the accounting for purchase and
 sale of government securities from trade date basis to settlement date
 basis with effect from January 1, 2011. Under settlement date
 accounting, the purchase and sale of securities are recognised in the
 books on the date of settlement. The changes in fair value of
 investments between trade date and settlement date are recognised in
 case of purchased securities while such changes are ignored in case of
 securities sold. In case the Bank had continued to follow the trade
 date accounting, investments portfolio at March 31, 2011 would have
 been lower by Rs. 655.2 million (net), the other assets would have been
 higher by Rs. 1,153.6 million, other liabilities would have been higher
 by Rs. 500.2 million and the impact on the profit and loss account would
 have been Rs. Nil.
 
 15.  CBLO transactions
 
 Collateralised Borrowing and Lending Obligation (CBLO) is a discounted
 money market instrument, developed by The Clearing Corporation of India
 Limited (CCIL) and approved by RBI which involves secured borrowings
 and lending transactions. At March 31, 2011, the Bank had outstanding
 borrowings amounting to Nil (March 31, 2010: Nil) and outstanding
 lending ofRs. 1,999.6 million (March 31, 2010: Nil) in the form of CBLO.
 The amortised book value of securities given as collateral by the Bank
 to CCIL for availing the CBLO facility was Rs. 51,841.1 million at March
 31, 2011 (March 31, 2010:Rs. 44,699.4 million).
 
 16.  Derivatives
 
 ICICI Bank is a major participant in the financial derivatives market.
 The Bank deals in derivatives for balance sheet management and market
 making purposes whereby the Bank offers derivative products to its
 customers, enabling them to hedge their risks.
 
 Dealing in derivatives is carried out by identified groups in the
 treasury of the Bank based on the purpose of the transaction.
 Derivative transactions are entered into by the treasury front office.
 Treasury middle office conducts an independent check of the
 transactions entered into by the front office and also undertakes
 activities such as confirmation, settlement, accounting, risk
 monitoring and reporting and ensures compliance with various internal
 and regulatory guidelines.
 
 The market making and the proprietary trading activities in derivatives
 are governed by the Investment Policy and the Derivative Policy of the
 Bank, which lay down the position limits, value at risk limits, stop
 loss limits as well as other risk limits. The Risk Management Group
 (RMG) lays down the methodology for computation and monitoring of risk.
 The Risk Committee of the Board (RCB) reviews the Banks risk
 management policies in relation to various risks including Credit and
 recovery policy. Investment Policy, Derivative Policy, ALM Policy and
 Operational Risk Management Policy. The RCB comprises independent
 directors and the Managing Director and CEO.
 
 The Bank measures and monitors risk of its derivatives portfolio using
 such risk metrics as Value at Risk (VAR), stop loss limits and relevant
 greeks for options. Risk reporting on derivatives forms an integral
 part of the management information system.
 
 The use of derivatives for hedging purposes is governed by the hedge
 policy approved by Asset Liability Management Committee (ALCO). Subject
 to prevailing RBI guidelines, the Bank deals in derivatives for hedging
 fixed rate, floating rate or foreign currency assets/liabilities.
 Transactions for hedging and market making purposes are recorded
 separately.  For hedge transactions, the Bank identifies the hedged
 item (asset or liability) at the inception of the hedge itself. The
 effectiveness is assessed at the time of inception of the hedge and
 periodically thereafter.
 
 Hedge derivative transactions are accounted for pursuant to the
 principles of hedge accounting. Derivatives for market making purpose
 are marked to market and the resulting gain/loss is recorded in the
 profit and loss account. The premium on option contracts is accounted
 for as per Foreign Exchange Dealers Association of India (FEDAI)
 guideline.
 
 Derivative transactions are covered under International Swaps and
 Derivatives Association (ISDA) master agreements with the respective
 counter parties. The exposure on account of derivative transactions is
 computed as per RBI guidelines and is marked against the credit limits
 approved for the respective counter-parties.
 
 The Bank has exposure to credit derivative instruments including credit
 default swaps, credit linked notes, collateralised debt obligations and
 principal protected structures. The notional principal amount of these
 credit derivatives outstanding at March 31, 2011 was Rs. 10,599.7 million
 (March 31, 2010: Rs. 15,400.7 million) in funded instruments and Rs.
 28,168.2 million (March 31, 2010: Rs. 32,881.1 million) in non-funded
 instruments which includes Rs. 223.0 million (March 31, 2010: Rs. 224.5
 million) of protection bought by the Bank.
 
 The profit and loss impact on the above portfolio on account of
 mark-to-market and realised gains/losses during the year ended March
 31, 2011 was a net profit of Rs. 94.6 million (March 31, 2010: Rs. 3,974.2
 million). At March 31, 2011, the total outstanding mark-to-market
 position of the above portfolio was a net loss of Rs. 527.9 million
 (March 31, 2010: Rs. 610.1 million). The credit derivatives are marked to
 market by the Bank based on counter-party valuation quotes, or internal
 models using inputs from market sources such as Bloomberg/Reuters,
 counter-parties and FIMMDA.
 
 The Bank offers deposits to customers of its offshore branches with
 structured returns linked to interest, forex, credit or equity
 benchmarks. The Bank covers these exposures in the inter-bank market.
 At March 31, 2011, the net open position on this portfolio was Nil
 (March 31, 2010: 7 32.6 million) with mark-to-market gain of Rs. 27.8
 million (March 31, 2010: Rs. 3.0 million). The profit and loss impact on
 account of mark-to-market and realized profit and loss during the year
 ended March 31, 2011 was a net profit of Rs. 57.6 million.
 
 The notional principal amount of forex contracts classified as
 non-trading at March 31, 2011 amounted to Rs. 340,828.8 million (March
 31, 2010: Rs. 182,911.8 million). The notional principal amount of forex
 contracts classified as trading at March 31, 2011 amounted to Rs.
 2,127,789.6 million (March 31, 2010: Rs. 1,477,775.4 million). The net
 overnight open position at March 31, 2011 was Rs. 502.1 million (March
 31, 2010: Rs. 293.2 million).
 
 20.  Provision on standard assets
 
 The Bank makes provision on standard assets as per applicable RBI
 guidelines.
 
 The Bankhasnotwrittenbackanystandardassetprovistonpursuantto the
 RBIcircular no. DBOD.BRBC. 83/21.01.002/2008-09 dated November 15,2008.
 The provision on standard assets held by the Bank at March 31,2011
 (including Rs. 435.4 million on account of amalgamation of Bank of
 Rajasthan) was Rs. 14,796.0 million (March 31, 2010: Rs. 14,360.6 million).
 
 21.  Provision Coverage Ratio
 
 The provision coverage ratio of the Bank at March 31, 2011 computed as
 per the RBI circular dated December 1, 2009 is 76.0% (March 31, 2010:
 59.5%).
 
 22.  Farm loan waiver
 
 The Ministry of Finance, Government of India had issued guidelines for
 the implementation of the Agriculture debt waiver and relief scheme for
 farmers on May 23, 2008. The Bank has implemented the scheme as per
 guidelines issued by RBI circular DBOD No.BRBC. 26/21.04.048/2008-09
 dated July 30, 2008 on Agricultural Debt Waiver and Debt Relief
 Scheme, 2008 - Prudential norms on income recognition, asset
 classification and provisioning and Capital Adequacy.
 
 Pursuant to the Scheme, an aggregate amount of Rs. 2,763.3 million (March
 31, 2010: Rs. 2,758.1 million) has been waived which is recoverable from
 Government of India. Of the above, an amount of Rs. 2,757.5 million has
 been received by March 31, 2011 (March 31, 2010: Rs. 1,220.8 million) and
 balanceRs. 5.8 million (March 31, 2010: Rs. 1,537.3 million) is receivable
 in future.
 
 At August 12, 2010, erstwhile Bank of Rajasthan had an aggregate amount
 of Rs. 32.0 million which was recoverable from Government of India. Of
 the above, an amount of Rs. 31.4 million has been received by March 31,
 2011 and balance Rs. 0.6 million is receivable in future.
 
 24.  Financial assets transferred during the year to securitisation
 company (SC)/reconstruction company (RC)
 
 The Bank has transferred certain assets to Asset Reconstruction
 Companies (ARCs) in terms of the guidelines issued by RBI governing
 such transfer. For the purpose of the valuation of the underlying
 security receipts issued by the underlying trusts managed by ARCs, the
 security receipts are valued at their respective NAVs as advised by the
 ARCs.
 
 27.  Floating provision
 
 The Bank holds floating provision of Rs. 1.9 million at March 31, 2011
 which was taken over from erstwhile Bank of Rajasthan on amalgamation.
 
 29.  Lending to sensitive sectors
 
 The Bank has lending to sectors, which are sensitive to asset price
 fluctuations. The sensitive sectors include capital markets and real
 estate.
 
 30.  Risk category-wise country exposure
 
 As per the extant RBI guidelines, the country exposure of the Bank is
 categorised into various risk categories listed in the following table.
 The funded country exposure (net) of the Bank as a percentage of total
 funded assets for United Kingdom was 1.32% (March 31, 2010: 1.44%) and
 Canada was 0.99% (March 31, 2010: 1.11%). As the net funded exposure to
 United Kingdom exceeds 1.0% of total funded assets, the Bank has made a
 provision of Rs. 140.0 million on country exposure at March 31, 2011
 (March 31,2010: Rs. 235.0 million) based on RBI guidelines.
 
 31.  Details of Single Borrower Limit and Borrower Group Limit exceeded
 by the Bank
 
 During the year ended March 31, 2011, the Bank has complied with the
 Reserve Bank of India guidelines on single borrower and borrower group
 limit. As per the exposure limits permitted under the extant RBI
 regulation, the Bank with the approval of the Board of Directors can
 enhance exposure to a single borrower or borrower group by a further 5
 percent of capital funds. During the year ended March 31, 2011, with
 the prior approval of the Board of Directors, the Bank exceeded the
 single borrower limit of 15% of capital funds to Reliance Industries
 Limited. At March 31, 2011, the exposure to Reliance Industries Limited
 as a percentage of capital funds was 12.4%.
 
 32.  Unsecured advances against intangible assets
 
 The Bank has made advances against intangible collaterals of the
 borrowers which are classified as unsecured in its financial
 statements. At March 31, 2011, the amount of such advances was Nil
 (March 31, 2010: Nil) and the estimated value of the intangible
 collaterals was Nil (March 31, 2010: Nil).
 
 35.  Description of contingent liabilities
 
 The following table describes the nature of contingent liabilities of
 the Bank.
 
 1.  Claims against the Bank, not acknowledged as debts
 
 This item represents demands made in certain tax and legal matters
 against the Bank in the normal course of business. In accordance with
 the Banks accounting policy and Accounting Standard 29, the Bank has
 reviewed the demands and classified such disputed tax issues as
 possible obligation based on legal opinion/judicial precedents.  No
 provision in excess of provisions already made in the financial
 statements is considered necessary.
 
 2.  Liability for partly paid investments
 
 This item represents amounts remaining unpaid towards purchase of
 investments.  These payment obligations of the Bank do not have any
 profit/loss impact.
 
 3.  Liability on account of outstanding forward exchange contracts
 
 The Bank enters into foreign exchange contracts in its normal course of
 business, to exchange currencies at a pre-fixed price at a future date.
 This item represents the notional principal amount of such contracts,
 which are derivative instruments. With respect to the transactions
 entered into with its customers, the Bank generally enters into
 off-setting transactions in the inter-bank market. This results in
 generation of a higher number of outstanding transactions, and hence a
 large value of gross notional principal of the portfolio, while the net
 market risk is lower.
 
 4 Guarantees given on behalf of constituents, acceptances, endorsements
 and other obligations
 
 This item represents the guarantees and documentary credits issued by
 the Bank in favour of third parties on behalf of its customers, as part
 of its trade finance banking activities, with a view to augment the
 customers credit standing. Through these instruments, the Bank
 undertakes to make payments for its customers obligations, either
 directly or in case of failure of the customers to fulfil their
 financial or performance obligations.
 
 5 Currency swaps, interest rate swaps, currency options and interest
 rate futures
 
 This item represents the notional principal amounts of various
 derivative instruments which the Bank undertakes in its normal course
 of business. The Bank offers these products to its customers to enable
 them to transfer, modify or reduce their foreign exchange and interest
 rate risks. The Bank also undertakes these contracts to manage its own
 interest rate and foreign exchange positions. With respect to the
 transactions entered into with its customers, the Bank generally enters
 into off-setting transactions in the inter-bank market. This results in
 generation of a higher number of outstanding transactions, and hence a
 large value of gross notional principal of the portfolio, while the net
 market risk is lower.
 
 6 Other items for which the Bank is contingently liable
 
 Other items for which the Bank is contingently liable include primarily
 the securitisation and notional principal amounts of credit
 derivatives. The Bank is also obligated under a number of capital
 contracts. Capital contracts are job orders of a capital nature which
 have been committed. This item also includes the amount of Government
 securities bought/sold and remaining to be settled on the date of the
 financials statements.
 
 37.  Transfer of merchant acquiring operations
 
 During the year ended March 31, 2010, the Bank and First Data, a global
 company engaged in electronic commerce and payment services, formed a
 merchant acquiring alliance and a new entity, 81.0% owned by First
 Data, was formed, which has acquired ICICI Banks merchant acquiring
 operations through transfer of assets, primarily comprising fixed
 assets and receivables, and assumption of liabilities, for a total
 consideration of Rs. 3,744.0 million. This transfer of assets and
 liabilities to the new entity would be considered a slump sale for
 tax purposes. The Bank realised a profit of Rs. 2,029.0 million from this
 transaction, which is included in Schedule 14 - Other income for the
 year ended March 31, 2010.
 
 41.  Provision for income tax
 
 The provision for income tax (including deferred tax) for the year
 ended March 31, 2011 amounted to Rs. 16,063.3 million (March 31, 2010: Rs.
 13,173.4 million).
 
 The Bank has a comprehensive system of maintenance of information and
 documents required by transfer pricing legislation under section 92-92F
 of the Income Tax Act, 1961. The Bank is of the opinion that all
 international transactions are at arms length so that the above
 legislation will not have material impact on the financial statements.
 
 43.  Dividend distribution tax
 
 For the purpose of computation of dividend distribution tax on the
 proposed dividend, the Bank has reduced the dividend received from its
 Indian subsidiaries, which are not the subsidiaries of any other
 company, on which dividend distribution tax has been paid by the
 subsidiaries as per the provisions of Section 115-0 of the Income Tax
 Act, 1961.
 
 44.  Related party transactions
 
 The Bank has transactions with its related parties comprising
 subsidiaries, associates/joint ventures/other related entities, key
 management personnel and relatives of key management personnel.
 
 Subsidiaries
 
 ICICI Bank UK PLC, ICICI Bank Canada, ICICI Bank Eurasia Limited
 Liability Company, ICICI Prudential Life Insurance Company Limited1,
 ICICI Lombard General Insurance Company Limited1, ICICI Prudential
 Asset Management Company Limited1, ICICI Securities Limited, ICICI
 Securities Primary Dealership Limited, ICICI Home Finance Company
 Limited, ICICI Venture Funds Management Company Limited, ICICI
 International Limited, ICICI Trusteeship Services Limited, ICICI
 Investment Management Company Limited, ICICI Securities Holdings Inc.,
 ICICI Securities Inc., ICICI Prudential Trust Limited1, ICICI Wealth
 Management Inc. (upto December 31, 2009) and ICICI Prudential Pension
 Funds Management Company Limited.
 
 1.  Jointly controlled entities.
 
 Associates/joint ventures/other related entities
 
 ICICI Equity Fund1, ICICI Eco-net Internet and Technology Fund1, ICICI
 Emerging Sectors Fund1, ICICI Strategic Investments Fund1, ICICI Kinfra
 Limited1, ICICI West Bengal Infrastructure Development Corporation
 Limited1 (upto December 31, 2010), Financial Inclusion Network &
 Operations Limited (earlier known as Financial Information Network &
 Operations Limited), TCW/ ICICI Investment Partners Limited (earlier
 known as TCW/ICICI Investment Partners LLC), l-Process Services (India)
 Private Limited, l-Solutions Providers (India) Private Limited, NUT
 Institute of Finance, Banking and Insurance Training Limited, ICICI
 Venture Value Fund1, Comm Trade Services Limited, Loyalty Solutions &
 Research Limited1 (upto March 31, 2010), Transafe Services Limited1
 (upto September 30, 2009), Prize Petroleum Company Limited, ICICI
 Foundation for Inclusive Growth, Firstsource Solutions Limited (upto
 December 31, 2009), l-Ven Biotech Limited1, Rainbow Fund, ICICI
 Merchant Services Private Limited and Mewar Aanchalik Gramin Bank2.
 
 1.  Entities consolidated as per Accounting Standard (AS) 21 on
 consolidated financial statements.
 
 2.  With respect to an entity, which has been identified as a related
 party during the year ended March 31, 2011, previous years comparative
 figures have not been reported.
 
 Key management personnel
 
 Mr. K. V. Kamath1, Ms. Chanda Kochhar, Mr. Sandeep Bakhshi2, Mr. N. S.
 Kannan3, Mr. K. Ramkumar, Mr. Rajiv Sabharwal4, Mr. Sonjoy Chatterjee*,
 Mr. V. Vaidyanathan1.
 
 Relatives of key management personnel
 
 Ms. Rajalakshmi Kamath, Mr. Ajay Kamath1, Ms. Ajnya Pai\ Mr. Mohan
 Kamath, Mr. Deepak Kochhar, Mr. Arjun Kochhar, Ms. Aarti Kochhar, Mr.
 Mahesh Advani, Ms. Varuna Kama, Ms. Sunita R. Advani, Ms. Mona
 Bakhshi2, Mr. Sameer Bakhshi2, Ms. Rangarajan Kumudalakshmi3, Ms. Aditi
 Kannan3, Mr. Narayanan Raghunathan3, Mr. Narayanan Rangarajan3, Mr.
 Narayanan Krishnamachari3, Ms. Narayanan Sudha3, Mr. R. Shyam, Ms. R.
 Suchithra, Mr. K. Jayakumar, Ms. J. Krishnaswamy, Ms. Sangeeta
 Sabharwal, Mr. Somnath Chatterjee5, Mr. Tarak Nath Chatterjee5, Ms.
 Sunaina Chatterjee5, Ms. Nandini Chatterjee5, Ms. Jeyashree V1, Mr. V.
 Satyamurthy1, Mr. V. Krishnamurthy1, Mr. K. Vembu1.
 
 1.  Transactions reported upto April 30, 2009.
 
 2.  Transactions reported with effect from May 1, 2009 upto July 31,
 2010.
 
 3.  Transactions reported with effect from May 1, 2009.
 
 4.  Transactions reported with effect from June 24, 2010.
 
 5.  Transactions reported upto April 30, 2010.
 
 The following were the significant transactions between the Bank and
 its related parties for the year ended March 31, 2011. A specific
 related party transaction is disclosed as a material related party
 transaction wherever it exceeds 10% of all related party transactions
 in that category.
 
 Insurance services
 
 During the year ended March 31, 2011, the Bank paid insurance premium
 to insurance subsidiaries amounting to Rs. 1,529.7 million (March 31,
 2010: Rs. 1,162.5 million). The material transaction for the year ended
 March 31, 2011 was payment of insurance premium to ICICI Lombard
 General Insurance Company Limited amounting to Rs. 1,380.8 million (March
 31, 2010: Rs. 1,057.3 million).
 
 During the year ended March 31, 2011, the Banks insurance claims from
 the insurance subsidiaries amounted to Rs. 945.5 million (March 31, 2010:
 Rs. 876.1 million). The material transaction for the year ended March 31,
 2011 was with ICICI Lombard General Insurance Company Limited amounting
 to Rs. 906.5 million (March 31, 2010: Rs. 823.0 million).
 
 Fees and commission income
 
 During the year ended March 31, 2011, the Bank received fees from its
 subsidiaries amounting to Rs. 2,809.5 million (March 31, 2010: Rs. 3,793.9
 million), from its associates/joint ventures/other related entities
 amounting to Rs. 0.8 million (March 31, 2010: Rs. 5.3 million), from key
 management personnel amounting to Nil (March 31, 2010: Rs. 0.2 million)
 and from relatives of key management personnel amounting to Nil (March
 31, 2010: Rs. 0.1 million). The material transactions for the year ended
 March 31, 2011 were with ICICI Prudential Life Insurance Company
 Limited amounting to Rs. 1,969.0 million (March 31, 2010: f 2,708.9
 million), ICICI Lombard General Insurance Company Limited amounting to
 Rs. 380.0 million (March 31, 2010: Rs. 403.5 million) and with ICICI
 Securities Limited amounting to Rs.358.7 million (March 31, 2010: Rs. 437.4
 million).
 
 During the year ended March 31,2011, the Bank received commission on
 bank guarantees from its subsidiaries amounting to Rs. 10.3 million
 (March 31, 2010: Rs. 8.1 million) and from its associates/joint
 ventures/other related entities amounting to Nil (March 31, 2010: Rs.
 15.4 million). The material transactions for the year ended March
 31,2011 were with ICICI Bank UK PLC amounting to Rs. 8.6 mill ion (March
 31, 2010.* Rs. 0.7 million), ICICI Securities Limited amounting to Rs. 1.5
 million (March 31, 2010: Rs. 1.2 million), ICICI Home Finance Company
 Limited amounting to Nil (March 31, 2010: Rs. 5.7 million) and with
 Firstsource Solutions Limited amounting to Nil (March 31, 2010: Rs. 15.3
 million).
 
 Lease of premises and facilities
 
 During the year ended March 31, 2011, the Bank recovered from its
 subsidiaries an amount of Rs. 1,080.2 million (March 31, 2010: Rs. 1,324.6
 million) and from its associates/joint ventures/other related entities
 an amount of