``ICICI will focus on retail financing especially in the area of consumer finance and housing loans as part of its plans to diversify its loan portfolio,'' ICICI joint general manager Madhabi Puri Buch said.

She said after the success of ICICI American Depository Shares (ADS), the management has decided to focus more on enhancing shareholders value and this could be best done by improving the institution's bottom line.

In order to have a broader reach at the retail level, ICICI was emphasising on introducing the latest technology to achieve a significant competitive advantage, she said.