ICICIBC has remained conservative lender in recent past with focus mainly on retail assets. However the management has started exploring corporate/mid corporate/SME segments that have survived the last 5-6 years and have decent business experience with the bank. In the retail loan segment, ICICIBC is concentrating on granularity, high risk - high spreads unsecured business (eg. credit cards, personal loans) and cross selling of retail products to existing good quality customers. The bank is bringing about a transformation in its organizational culture by setting market share oriented targets on a product specific level. The emphasis is also on easing the growth constraints, decongesting the internal system,...