ICICI Bank Limited

ICICI Bank is a major private sector bank in India that provides a wide range of financial products and services including retail banking offerings such as savings accounts, current accounts, loans, and credit cards; corporate banking solutions covering working capital finance, trade finance, and project finance; treasury operations; international banking; wealth management; and insurance services. It serves individual customers, small and medium enterprises, large corporates, and institutional clients across India and maintains a presence in select overseas markets through branches and representative offices. The bank operates under the regulatory oversight of the Reserve Bank of India and adheres to banking norms set by the Securities and Exchange Board of India for its listed status. Its headquarters are located in Mumbai, Maharashtra.

It was among the earliest Indian banks to launch internet banking and mobile banking platforms, reflecting a focus on digital innovation. The bank has a diversified revenue stream with significant contributions from net interest income, fee-based income, and treasury gains. In October 2016, ICICI Bank was one of several Indian lenders whose debit cards were compromised in a malware attack on Hitachi Payment Services' systems, affecting approximately 3.2 million cards and leading to unauthorized transactions primarily in China. The incident prompted the bank to block affected cards, advise PIN changes, and cooperate with payment networks and regulators. The bank maintains a strong franchise in retail lending, particularly in home loans, auto loans, and personal loans. It is recognized for its extensive ATM and branch network. It also engages in corporate social responsibility initiatives focusing on education, healthcare, and environmental sustainability.