ICICI Bank has been undergoing various structural changes in areas such as credit culture/pricing, customer engagement, role-based employee designations, and performance evaluation system with a clear focus on improving customer experience, productivity and business profitability. The bank believes that the lumpy asset-quality stress is now a thing of the past and credit cost should gradually gravitate toward 20% of the operating profits. The bank has maintained its June 2020 guidance of 15% RoE, which could be revised upward as it gains more confidence on financial performance and credit cost....