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ICICI Bank Ltd

Updated on December 8, 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.(Source : 201903 Annual Report Page No: 124)

Below is the details of ICICIBANK ICICI Bank Ltd

Market Cap₹331,432 Cr.
Current Price ₹528.7 as on 10 Dec 19
52 Week High / Low Price₹520 / ₹335.9
Face Value₹2
Stock P/E64.52
Book Value₹167.6
Dividend Yield0.19 %
ROCE4.52 %
ROE3.15 %
Sales Growth (3yrs)6.33 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Stock is trading at 3.06 times its book value Company has low interest coverage ratio. The company has delivered a poor growth of 7.49% over past five years. Company has a low return on equity of 6.56% for last 3 years. Contingent liabilities of Rs.1971430.27 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.15123.53 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 ₹1,249.5 28.48 ₹698,110.04 Cr. 0.59 ₹6,638.03 Cr. 24.72 16.78 30016.88 7.69
2. ICICI Bank 64.52 ₹331,431.82 Cr. 0.19 ₹654.96 Cr. -27.94 22.90 18565.30 4.52
3. Kotak Mah. Bank ₹1,662.4 39.48 ₹308,573.58 Cr. 0.05 ₹2,407.25 Cr. 30.61 15.56 8418.75 7.92
4. Axis Bank ₹715.7 44.53 ₹208,369.08 Cr. 0.12 -₹21.58 Cr. -102.46 16.08 15712.66 5.70
5. IndusInd Bank ₹1,411.6 26.13 ₹108,745.93 Cr. 0.42 ₹1,383.37 Cr. 50.33 31.49 7150.36 7.62
6. Bandhan Bank ₹521.05 33.93 ₹93,577.04 Cr. ₹971.8 Cr. 99.28 67.55 2690.27 10.48
7. IDBI Bank ₹33.55 ₹39,186.74 Cr. 0.00 -₹3,448.88 Cr. 3.48 -2.96 5205.59 0.38
8. AU Small Finance ₹797.75 41.99 ₹24,177.92 Cr. 0.09 ₹171.94 Cr. 88.08 51.22 1033.43 8.97

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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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue13,61813,56913,45913,57713,66514,26414,72215,10616,28017,29317,98018,565
Interest8,2557,6067,8697,8687,9608,2438,6208,6889,4059,67310,24310,508
Expenses6,4906,7666,4038,4127,38410,81210,1178,3198,85610,4598,3707,884
Employee Cost %10.32%10.91%11.23%11.15%9.97%10.7%10.28%11%10.65%10.98%10.86%11.53%
Financing Profit-1,127-803-813-2,703-1,679-4,790-4,015-1,901-1,981-2,839-633173
Financing Margin %-8%-6%-6%-20%-12%-34%-27%-13%-12%-16%-4%1%
Other Income3,9383,0173,3885,1863,1675,6793,8523,1563,8833,6213,4254,194
Depreciation000000000000
Profit before tax2,8112,2142,5752,4841,488888-1631,2551,9027822,7934,367
Tax %13%9%20%17%-11%-15%27%28%16%-24%32%85%
Net Profit2,4422,0252,0492,0581,6501,020-1209091,6059691,908655
EPS in Rs3.822.873.203.212.571.59-0.191.412.491.502.961.01
Gross NPA %7.20%7.89%7.99%7.87%7.82%8.84%8.81%8.54%7.75%6.70%6.49%6.37%
Net NPA %3.96%4.89%4.86%4.43%4.20%4.77%4.19%3.65%2.58%2.06%1.77%1.60%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue30,78831,09325,70725,97433,54340,07644,17849,09152,73954,15654,96663,40170,119
Interest23,48422,72617,59316,95722,80826,20927,70330,05231,51532,41931,94036,38639,828
Expenses10,55210,7509,6308,3458,91310,33212,36414,74223,65329,20632,23036,97335,569
Manufacturing Cost %1.36%1.57%1.84%1.94%1.68%1.66%1.65%1.76%1.9%2.12%2.7%2.43%%
Employee Cost %6.75%6.34%7.49%10.85%10.48%9.71%9.55%9.68%9.49%10.59%10.76%10.74%%
Other Cost %26.16%26.66%28.13%19.34%14.41%14.4%16.78%18.59%33.46%41.22%45.17%45.15%%
Financing Profit-3,247-2,384-1,5166721,8213,5344,1114,298-2,429-7,468-9,204-9,958-5,279
Financing Margin %-11%-8%-6%3%5%9%9%9%-5%-14%-17%-16%-8%
Other Income8,8798,1767,4786,6487,5018,34610,42812,17615,32319,50417,42014,51215,124
Depreciation5786796205625254905766596997587817770
Profit before tax5,0535,1145,3426,7588,79711,39013,96315,81512,19611,2797,4353,7779,844
Tax %18%27%25%24%27%27%30%29%20%13%9%11%
Net Profit4,1583,7584,0255,1516,4658,3259,81011,1759,7269,8016,7773,3635,137
EPS in Rs6.555.896.307.819.8512.6615.4417.1014.7615.3110.545.227.96
Dividend Payout %29%33%33%31%29%28%27%26%30%15%14%19%

Compounded Sales Growth

  • 10 Years:: 7.39%
  • 5 Years:: 7.49%
  • 3 Years:: 6.33%
  • TTM:: 21.40%

Compounded Profit Growth

  • 10 Years:: -1.07%
  • 5 Years:: -19.12%
  • 3 Years:: -29.78%
  • TTM:: 48.49%

Return on Equity

  • 10 Years:: 12.29%
  • 5 Years:: 9.75%
  • 3 Years:: 29.58%
  • 1 Year:: 44.33%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital1,4631,1131,1151,1521,1531,1541,1551,1601,1631,1651,2861,289
Preference Capital35000000000000
Equity Capital1112.681113.291114.891151.821152.771153.641155.041159.661163.171165.111285.811289.46
Reserves45,35848,42050,50353,93959,25065,54872,05279,26288,56698,780103,868107,074
Borrowings310,079311,503296,280335,156395,665437,955486,673533,980596,233637,595743,834818,240
Other Liabilities43,86718,81315,96816,43133,42932,60637,00334,38237,89437,61933,67241,649
Total Liabilities400,417379,850363,867406,678489,496537,263596,882648,784723,856775,159882,660968,252
Fixed Assets4,1093,8023,2134,7444,6154,6474,6784,7267,5777,8057,9047,931
Gross Block70367443.77114.129107.479424.399643.589950.6110404.4213676.8614312.8915022.0815168.81
Accumulated Depreciation2927.13642.083901.434363.214809.74996.535272.475678.96099.946507.687118.567237.39
CWIP000000000000
Investments111,454103,058120,893134,686159,560171,394177,022158,129160,412161,507202,994207,733
Other Assets284,854272,990239,761267,248325,322361,222415,182485,929555,867605,847671,762752,588
Cash Equivalents38041.1329966.5638873.734090.0836229.3141417.5241529.642304.6259868.7475713.0684169.3880296.29
Loans n Advances21196.6724712.2619682.0416791.8835364.6129555.3234950.1156102.7360734.765901.9475197.2985645.23
Other Assets etc225616.08218310.85181205.6216365.9253727.66290249.43338702.64387522.07435263.94464232.08512395.3586646.58
Total Assets400,417379,850363,867406,678489,496537,263596,882648,784723,856775,159882,660968,252

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-11,720-13,5581,869-6,909-14,33211,1024,669-4,82422,42839,22313,30438,419
Profit from operations8353.5211271.7110586.2310394.7910916.913133.9615686.118560.8419531.3718826.520082.5122853.57
Working Capital Changes-18148.35-23283.55-7118.48-15453.41-24033.741166.94-6856.51-19217.698475.8925093.55-3484.2322282.79
Taxes paid-1836.33-1545.97-1598.54-1850.3-2121.15-3198.89-4160.99-4167.64-5578.79-4697.24-3294.63-6717.57
Cash from Investing Activity-17,3253,8585,655-981-12,280-8,904-11,395-9,406-4,2797,000-38,966-24,041
Fixed Assets Purchased-959.25-1056.87-510.16-455.71-453.09-588.36-678.46-787.43-700.49-783.22-824.1-830.92
Fixed Assets Sold106.4166.72316.4855.289.02124.19199.2631.3765.111.6321.9138.03
Investments purchased-13548.6600-1892.61-12598.66-10314.08-13695.98-10891.100-45466.73-25298.67
Investments sold08685.976062.3400405.08612.910-8998.1520.0100
Cash from Financing Activity29,9651,6251,3833,10628,7522,9906,83815,006-585-30,37934,118-18,251
Proceeds from Shares19789.745.2461.04140.4959.1144.7576.18347.73282.42177.26393.95348.63
Proceeds from Borrowings000030507.945067.6126959.9439307.5633267.8431217.5268120.8214436.39
Repayment of Borrowings000000-17652.33-21759.11-30961.52-58592.91-32930.27-32070.98
Dividends Paid-1056.5-1369.13-1373.1-1502.53-1815.29-2122.64-2545.42-2890.51-3173.81-3180.65-1466.19-965.13
Net Cash Flow920-8,0758,907-4,7842,1395,18811277517,56415,8448,456-3,873

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %12%8%8%10%11%13%14%15%11%10%7%3%

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