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ICICI Bank Ltd

Updated on July 9, 2019

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.

Below is the details of ICICIBANK ICICI Bank Ltd

Market Cap₹273,239 Cr.
Current Price ₹422.3 as on 15 Jul 19
52 Week High / Low Price₹439.2 / ₹256.5
Face Value₹2
Stock P/E81.24
Book Value₹163.06
Dividend Yield0.35 %
ROCE4.96 %
ROE6.61 %
Sales Growth (3yrs)3.84 %
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 19.66%
Cons: Stock is trading at 2.60 times its book value Company has low interest coverage ratio. The company has delivered a poor growth of 6.52% over past five years. Tax rate seems low Company has a low return on equity of 9.31% for last 3 years. Contingent liabilities of Rs.1317832.36 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.14512.17 Cr.

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 ₹2,394.75 31.36 ₹660,918.58 Cr. 0.51 ₹5,885.12 Cr. 22.63 23.51 26333.25 7.32
2. Kotak Mah. Bank ₹1,508.1 43.07 ₹290,565.87 Cr. 0.05 ₹2,038.27 Cr. 20.48 18.47 7975.69 7.93
3. ICICI Bank 81.24 ₹273,239.22 Cr. 0.35 ₹969.06 Cr. -4.99 21.23 17292.80 4.96
4. ICICI Bank 64.23 ₹273,239.22 Cr. 0.35 ₹1,170.36 Cr. 2.49 20.74 19503.73 5.23
5. Axis Bank ₹749.75 501.25 ₹207,974.15 Cr. 0.00 Cr. 4.48
6. IndusInd Bank ₹1,475.1 29.32 ₹96,797.52 Cr. 0.47 ₹360.1 Cr. -62.22 28.85 5991.44 7.96
7. Bandhan Bank ₹549.4 36.17 ₹70,595.12 Cr. 0.17 ₹650.87 Cr. 67.81 35.70 1832.69 10.59
8. Yes Bank ₹93.2 19.91 ₹34,243.26 Cr. 1.82 -₹1,506.64 Cr. -227.74 36.80 7856.54 7.42

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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

Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Employee Cost %9.68%11.41%10.32%10.91%11.23%11.15%9.97%10.7%10.28%11%10.65%10.98%
Financing Profit-729-5,566-1,127-803-813-2,703-1,679-4,790-4,015-1,901-1,981-2,839
Financing Margin %-5%-41%-8%-6%-6%-20%-12%-34%-27%-13%-12%-16%
Other Income3,4299,1203,9383,0173,3885,1863,1675,6793,8523,1563,8833,621
Profit before tax2,7003,5532,8112,2142,5752,4841,488888-1631,2551,902782
Tax %17%13%13%9%20%17%-11%-15%27%28%16%-24%
Net Profit2,2323,1022,4422,0252,0492,0581,6501,020-1209091,605969
Gross NPA %5.28%6.12%7.20%7.89%7.99%7.87%7.82%8.84%8.81%8.54%7.75%6.70%
Net NPA %3.01%3.21%3.96%4.89%4.86%4.43%4.20%4.77%4.19%3.65%2.58%2.06%

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Manufacturing Cost %1.53%1.36%1.57%1.84%1.94%1.68%1.66%1.65%1.76%1.9%2.12%2.7%%
Employee Cost %7.35%6.75%6.34%7.49%10.85%10.48%9.71%9.55%9.68%9.49%10.59%10.76%%
Other Cost %29.35%26.16%26.66%28.13%19.34%14.41%14.4%16.78%18.59%33.46%41.22%45.17%%
Financing Profit-2,773-3,247-2,384-1,5166721,8213,5344,1114,298-2,429-7,468-9,204-10,735
Financing Margin %-13%-11%-8%-6%3%5%9%9%9%-5%-14%-17%-17%
Other Income6,9638,8798,1767,4786,6487,5018,34610,42812,17615,32319,50417,42014,512
Profit before tax3,6455,0535,1145,3426,7588,79711,39013,96315,81512,19611,2797,4353,777
Tax %15%18%27%25%24%27%27%30%29%20%13%9%
Net Profit3,1104,1583,7584,0255,1516,4658,3259,81011,1759,7269,8016,7773,363
EPS in Rs5.986.555.896.307.819.8512.6615.4417.1014.7615.3110.53
Dividend Payout %29%29%33%33%31%29%28%27%26%30%15%14%

Compounded Sales Growth

  • 10 Years:: 5.97%
  • 5 Years:: 6.52%
  • 3 Years:: 3.84%
  • TTM:: 15.35%

Compounded Profit Growth

  • 10 Years:: 5.12%
  • 5 Years:: -3.98%
  • 3 Years:: -15.35%
  • TTM:: -50.37%

Return on Equity

  • 10 Years:: 10.64%
  • 5 Years:: 10.99%
  • 3 Years:: 9.31%
  • Last Year:: 6.61%

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Share Capital1,2491,4631,1131,1151,1521,1531,1541,1551,1601,1631,1651,286
Preference Capital3503500000000000
Equity Capital899.341112.681113.291114.891151.821152.771153.641155.041159.661163.171165.111285.81
Other Liabilities39,23343,86718,81315,96816,43133,42932,60637,00334,38237,89437,61933,672
Total Liabilities345,312400,417379,850363,867406,678489,496537,263596,882648,784723,856775,159882,660
Fixed Assets3,9234,1093,8023,2134,7444,6154,6474,6784,7267,5777,8057,904
Gross Block6298.5670367443.77114.129107.479424.399643.589950.6110404.4213676.8614312.8915022.08
Accumulated Depreciation2375.142927.13642.083901.434363.214809.74996.535272.475678.96099.946507.687118.56
Other Assets250,131284,854272,990239,761267,248325,322361,222415,182485,929555,867605,847671,762
Cash Equivalents37121.3238041.1329966.5638873.734090.0836229.3141417.5241529.642304.6259868.7475713.0684169.38
Loans n Advances17144.2621196.6724712.2619682.0416791.8835364.6129555.3234950.1156102.7360734.765901.9475197.29
Total Assets345,312400,417379,850363,867406,678489,496537,263596,882648,784723,856775,159882,660

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity23,029-11,720-13,5581,869-6,909-14,33211,1024,669-4,82422,42839,22313,304
Profit from operations7024.58353.5211271.7110586.2310394.7910916.913133.9615686.118560.8419531.3718826.520082.51
Working Capital Changes17851.58-18148.35-23283.55-7118.48-15453.41-24033.741166.94-6856.51-19217.698475.8925093.55-3484.23
Taxes paid-1814.13-1836.33-1545.97-1598.54-1850.3-2121.15-3198.89-4160.99-4167.64-5578.79-4697.24-3294.63
Cash from Investing Activity-18,363-17,3253,8585,655-981-12,280-8,904-11,395-9,406-4,2797,000-38,966
Fixed Assets Purchased-492.46-959.25-1056.87-510.16-455.71-453.09-588.36-678.46-787.43-700.49-783.22-824.1
Fixed Assets Sold434.73106.4166.72316.4855.289.02124.19199.2631.3765.111.6321.91
Investments purchased-17177.61-13548.6600-1892.61-12598.66-10314.08-13695.98-10891.100-45466.73
Investments sold008685.976062.3400405.08612.910-8998.1520.010
Cash from Financing Activity15,41529,9651,6251,3833,10628,7522,9906,83815,006-585-30,37934,118
Proceeds from Shares207.4419789.745.2461.04140.4959.1144.7576.18347.73282.42177.26393.95
Proceeds from Borrowings0000030507.945067.6126959.9439307.5633267.8431217.5268120.82
Repayment of Borrowings0000000-17652.33-21759.11-30961.52-58592.91-32930.27
Dividends Paid-864.6-1056.5-1369.13-1373.1-1502.53-1815.29-2122.64-2545.42-2890.51-3173.81-3180.65-1466.19
Net Cash Flow20,081920-8,0758,907-4,7842,1395,18811277517,56415,8448,456

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Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %13%12%8%8%10%11%13%14%15%11%10%7%

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