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ICICI Bank Ltd

Updated on November 23, 2020

Stock/Share Code - ICICIBANK

ICICI Bank is engaged in providing a wide range of banking and financial services including retail banking, corporate banking and treasury operations.(Source : 201903 Annual Report Page No: 124)

Below is the details of ICICIBANK ICICI Bank Ltd

Market Cap₹272,103 Cr.
Current Price ₹473.35 as on 27 Nov 20
52 Week High / Low Price₹552.4 / ₹268.3
Face Value₹2
Stock P/E31.56
Book Value₹168.95
Dividend Yield0.25 %
ROCE5.62 %
ROE7.05 %
Sales Growth (3yrs)11.36 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 8.79% over past five years. Company has a low return on equity of 5.62% for last 3 years. Contingent liabilities of Rs.2572042.04 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.19165.78 Cr. Dividend payout has been low at 11.13% of profits over last 3 years

ICICI Bank Ltd Price Chart

ICICI Bank Ltd Price Chart

ICICI Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank ₹1,440.85 21.54 ₹614,066.43 Cr. 0.67 ₹6,927.24 Cr. 22.04 10.88 32351.61 7.31
2. Kotak Mah. Bank ₹1,907.1 30.32 ₹277,327.41 Cr. 0.06 ₹1,852.59 Cr. 5.11 1.60 8421.69 7.35
3. ICICI Bank 31.56 ₹272,103.11 Cr. 0.25 ₹2,599.15 Cr. 36.22 10.83 19927.35 5.62
4. Axis Bank ₹601.6 89.88 ₹152,009.25 Cr. 0.20 ₹1,099.52 Cr. -12.83 8.14 16799.19 5.55
5. Bandhan Bank ₹367 17.78 ₹49,244.35 Cr. 0.98 ₹549.82 Cr. -31.58 14.70 3018.09 12.00
6. IndusInd Bank ₹857.65 12.68 ₹43,708.53 Cr. 1.19 ₹460.64 Cr. -67.84 2.88 7161.73 8.50
7. IDBI Bank ₹38.1 ₹40,743.83 Cr. 0.00 ₹159.14 Cr. 104.16 -3.80 4903.80 0.33
8. Yes Bank ₹14.7 ₹35,953.79 Cr. 13.92 ₹34.05 Cr. -64.37 -29.78 5486.01 -0.52

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ICICI Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue13,57713,66514,26414,72215,10616,28017,29317,98018,56519,06419,18919,927
Interest7,8687,9608,2438,6208,6889,4059,67310,24310,50810,51910,26210,645
Expenses -8,4127,38410,81210,1178,3198,85610,4598,3707,8847,65411,75912,240
Employee Cost %11.15%9.97%10.70%10.28%11.00%10.65%10.98%10.86%11.53%10.19%11.64%10.87%
Financing Profit-2,703-1,679-4,790-4,015-1,901-1,981-2,839-633173891-2,832-2,957
Financing Margin %-20%-12%-34%-27%-13%-12%-16%-4%1%5%-15%-15%
Other Income5,1863,1675,6793,8523,1563,8833,6213,4254,1944,5744,2556,143
Depreciation000000000000
Profit before tax2,4841,488888-1631,2551,9027822,7934,3675,4651,4233,186
Tax %17%-11%-15%27%28%16%-24%32%85%24%14%18%
Net Profit2,0581,6501,020-1209091,6059691,9086554,1461,2212,599
EPS in Rs3.212.571.59-0.191.412.491.502.961.016.411.894.01
Gross NPA %7.87%7.82%8.84%8.81%8.54%7.75%6.70%6.49%6.37%5.95%5.53%5.46%
Net NPA %4.43%4.20%4.77%4.19%3.65%2.58%2.06%1.77%1.60%1.49%1.41%1.23%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue31,09325,70725,97433,54340,07644,17849,09152,73954,15654,96663,40174,79876,746
Interest22,72617,59316,95722,80826,20927,70330,05231,51532,41931,94036,38641,53141,933
Expenses -10,7509,6308,3458,91310,33212,36414,74223,65329,20632,23036,97334,71939,537
Manufacturing Cost %1.57%1.84%1.94%1.68%1.66%1.65%1.76%1.90%2.12%2.70%2.43%2.36%
Employee Cost %6.34%7.49%10.85%10.48%9.72%9.55%9.68%9.49%10.59%10.76%10.74%11.06%
Other Cost %26.66%28.13%19.34%14.41%14.40%16.78%18.59%33.46%41.22%45.17%45.15%32.99%
Financing Profit-2,384-1,5166721,8213,5344,1114,298-2,429-7,468-9,204-9,958-1,452-4,725
Financing Margin %-8%-6%3%5%9%9%9%-5%-14%-17%-16%-2%-6%
Other Income8,1767,4786,6487,5018,34610,42812,17615,32319,50417,42014,51216,44919,166
Depreciation6796205625254905766596997587817779490
Profit before tax5,1145,3426,7588,79711,39013,96315,81512,19611,2797,4353,77714,04814,441
Tax %27%25%24%27%27%30%29%20%13%9%11%44%
Net Profit3,7584,0255,1516,4658,3259,81011,1759,7269,8016,7773,3637,9318,622
EPS in Rs5.896.307.819.8512.6615.4417.1014.7615.3110.545.2212.2513.32
Dividend Payout %33%33%31%29%28%27%26%30%15%14%19%0%

Compounded Sales Growth

  • 10 Years:: 11.27%
  • 5 Years:: 8.79%
  • 3 Years:: 11.36%
  • TTM:: 15.13%

Compounded Profit Growth

  • 10 Years:: 7.27%
  • 5 Years:: -6.62%
  • 3 Years:: -6.81%
  • TTM:: 59.94%

Return on Equity

  • 10 Years:: 8.06%
  • 5 Years:: 10.24%
  • 3 Years:: 9.81%
  • 1 Year:: -3.58%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -1,1131,1151,1521,1531,1541,1551,1601,1631,1651,2861,2891,295
Equity Capital1,1131,1151,1521,1531,1541,1551,1601,1631,1651,2861,2891,295
Reserves48,42050,50353,93959,25065,54872,05279,26288,56698,780103,868107,074115,206
Borrowings311,503296,280335,156395,665437,955486,673533,980596,233637,595743,834818,240933,866
Other Liabilities -18,26515,50115,98733,00132,13834,76231,72734,73334,25130,20237,85647,998
Other liability items18,26515,50115,98733,00132,13834,76231,72734,73334,25130,20237,85647,998
Total Liabilities379,301363,400406,234489,069536,795594,642646,129720,695771,791879,189964,4591,098,365
Fixed Assets -3,8023,2134,7444,6154,6474,6784,7267,5777,8057,9047,9318,410
Gross Block7,4447,1149,1079,4249,6449,95110,40413,67714,31315,02215,16916,326
Accumulated Depreciation3,6423,9014,3634,8104,9975,2725,6796,1006,5087,1197,2377,915
CWIP000000000000
Investments103,058120,893134,686159,560171,394177,022158,129160,412161,507202,994207,733249,531
Other Assets -272,441239,294266,803324,894360,754412,942483,275552,706602,480668,291748,795840,423
Cash Equivalents29,96738,87434,09036,22941,41841,53042,30559,86975,71384,16980,296119,156
Loans n Advances24,71219,68216,79235,36529,55534,95056,10360,73565,90275,19785,64578,762
Other asset items217,762180,738215,921253,300289,781336,462384,867432,103460,865508,925582,854642,505
Total Assets379,301363,400406,234489,069536,795594,642646,129720,695771,791879,189964,4591,098,365

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --13,5581,869-6,909-14,33211,1024,669-4,82422,42839,22313,30438,41978,449
Profit from operations11,27210,58610,39510,91713,13415,68618,56119,53118,82620,08322,85428,387
Loans Advances3,46232,730-31,005-38,880-38,024-51,044-53,960-56,848-47,501-64,869-90,641-68,454
Operating investments2,656-24,384-5,623-12,764-2,2727,8314,7166,719332,31919,592-5,570
Operating borrowings3,279-1,72210,292000000000
Deposits-26,083-16,33110,05729,89837,11439,30029,64959,86368,61370,93691,944118,049
Other WC items-6,5972,589826-2,2884,349-2,944378-1,2573,948-11,8701,3887,059
Working capital changes-23,284-7,118-15,453-24,0341,167-6,857-19,2188,47625,094-3,48422,28351,084
Direct taxes-1,546-1,599-1,850-2,121-3,199-4,161-4,168-5,579-4,697-3,295-6,718-1,021
Exceptional CF items00090600000000
Cash from Investing Activity -3,8585,655-981-12,280-8,904-11,395-9,406-4,2797,000-38,966-24,041-36,945
Fixed assets purchased-1,057-510-456-453-588-678-787-700-783-824-831-1,367
Fixed assets sold67316559124199316512223815
Investments purchased00-1,893-12,599-10,314-13,696-10,89100-45,46700
Investments sold8,6866,062004056130-8,998520000
Investment income364393009421,3161,5751,5381,4191,21400
Invest in subsidiaries-4,202-111-252000000000
Investment in group cos0000008724,1460000
Shares acq cancelled000000005,8786,0862,2161,273
Other investing items0-4951,564763528852-207-329-453-25,464-36,866
Cash from Financing Activity -1,6251,3833,10628,7522,9906,83815,006-585-30,37934,118-18,251-2,645
Proceeds from shares4561140594576348282177394349549
Proceeds from debentures2,9492,6954,468000000000
Proceeds from borrowings00030,5085,06826,96039,30833,26831,21868,12114,43638,691
Repayment of borrowings00000-17,652-21,759-30,962-58,593-32,930-32,071-41,240
Dividends paid-1,369-1,373-1,503-1,815-2,123-2,545-2,891-3,174-3,181-1,466-965-645
Net Cash Flow-8,0758,907-4,7842,1395,18811277517,56415,8448,456-3,87338,859

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %8%8%10%11%13%14%15%11%10%7%3%7%

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