ICICI Bank is a major Indian private sector commercial bank providing financial services to retail, business, and corporate customers. The bank's core business involves accepting deposits and providing loans, with a focus on retail products such as mortgages, auto loans, and credit cards. Its business banking segment serves small and medium enterprises, while the corporate division provides term loans, trade finance, and treasury services to large companies. ICICI Bank also maintains a rural banking presence focused on agricultural and gold loans. The company operates a diversified financial ecosystem through its subsidiaries, offering life insurance via ICICI Prudential Life, general insurance through ICICI Lombard, and asset management and brokerage services. ICICI Bank earns most of its revenue from NII, representing the spread between lending rates and deposit costs. It also generates fee income from transaction banking, loan processing, FX, and the distribution of insurance and mutual fund products. The bank's strategy centers on a 360-degree approach to capture entire customer ecosystems and their related business partners. This strategy emphasizes growing its low-cost current and savings account (CASA) deposit base and expanding its business banking portfolio. ICICI Bank leverages a large physical network of branches and ATMs alongside significant investments in digital platforms to manage customer acquisition and operations.