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Consolidated Standalone

ICICI Bank

₹1298.2 0.5 | 0%

Market Cap ₹916843 Cr.

Stock P/E 20.4

P/B 3.6

Current Price ₹1298.2

Book Value ₹ 360.8

Face Value 2

52W High ₹1361.4

Dividend Yield 0.77%

52W Low ₹ 970.1

Edit Ratio

ICICI Bank Research see more...

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Equity Research Report: ICICI Bank

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ICICI Bank: Market Dominance and Government Support Should Lead Growth

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Equity Research Report - ICICI Bank Limited

Overview Inc. Year: 1994Industry: Bank - Private

ICICI Bank Limited (the Bank) is a banking organization. The Bank is engaged in providing various banking and monetary offerings which includes industrial banking and treasury operations. The Bank's business segments are Retail Banking, Wholesale Banking, Treasury, and Other Banking. The Bank provides various products, which includes savings account, women's account, senior citizen account, current account, credit cards, home mortgage, personal mortgage, vehicle loan, gold loan, fixed deposit, recurring deposit, life coverage, and general coverage. It provides a variety of Internet banking offerings, which includes paying bills, raising carrier requests, and making transfers. It also offers a number of cellular banking services, which incorporates iMobile Pay, short message service (SMS) banking, Call to Pay, and instant price carrier (IMPS). Its popular coverage merchandise include medical insurance, travel coverage, domestic insurance, wheeler insurance, and vehicle coverage.

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ICICI Bank Share Price

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Peer Comparison

ICICI Bank Quarterly Results

#(Fig in Cr.) Jun 2017 Sep 2017 Dec 2017
Interest Earned 13459 13577 13665
Other Income 3388 5186 3167
Total Income 16847 18763 16832
Interest Expense 7869 7868 7960
Operating Expenditure 3794 3909 3814
Provisions and contingencies 2609 4503 3570
Operating Profit 2575 2484 1488
Profit Before Tax 2575 2484 1488
Provision for Tax 526 425 -162
Profit After Tax 2049 2058 1650
Adjustments -2049 -2058 -1650
Profit After Adjustments 0 0 0
Adjusted Earnings Per Share 3.2 3.2 2.6

ICICI Bank Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 44178 49091 52739 54156 54966 63401 74798 79118 86375 109231 142891 40701
Other Income 10428 12176 15323 19504 17420 14512 16449 18969 18518 19831 22958
Total Income 54606 61267 68062 73661 72386 77913 91247 98087 104892 129063 165849 52442
Interest Expense 27703 30052 31515 32419 31940 36386 41531 40129 38908 47103 68585 23697
Operating Expenditure 10309 11496 12684 14755 15704 18089 21614 21561 26733 32873 39133 11517
Provisions and contingencies 2626 3900 11668 15208 17307 19661 14053 16214 8641 6666 3643 10682
Operating Profit 13968 15820 12196 11279 7435 3777 14048 20183 30609 42421 54488 6547
Profit Before Tax 13968 15820 12196 11279 7435 3777 14048 20183 30609 42421 54488 6547
Provision for Tax 4158 4645 2469 1478 657 413 6117 3990 7269 10525 13600 789
Profit After Tax 9810 11175 9726 9801 6777 3363 7931 16193 23339 31896 40888 5757
Adjustments 0 0 0 0 0 0 0 0 0 0 0 -5757
Profit After Adjustments 9810 11175 9726 9801 6777 3363 7931 16193 23339 31896 40888 0
Adjusted Earnings Per Share 15.4 17.5 15.2 15.3 10.5 5.2 12.3 23.4 33.6 45.7 58.2 9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 31% 22% 18% 12%
Operating Profit CAGR 28% 39% 71% 15%
PAT CAGR 28% 36% 65% 15%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 30% 21% 19% 15%
ROE Average 19% 17% 14% 12%
ROCE Average 19% 17% 14% 11%

ICICI Bank Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 73213 80429 89736 99951 105159 108368 116504 147509 170512 200715 238399
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 331914 361563 421426 490039 560975 652920 770969 932522 1064572 1180841 1412825
Borrowings 154759 172417 174807 147556 182859 165320 162897 91631 107231 119325 124968
Other Liabilities & Provisions 34756 31720 34726 34245 30196 37851 47995 58770 68983 83325 95323
Total Liabilities 594642 646129 720695 771791 879189 964459 1098365 1230433 1411298 1584207 1871515
Cash and balance with RBI 21822 25653 27106 31702 33102 37858 35284 46031 109523 68526 89712
Bank Balance 19708 16652 32763 44011 51067 42438 83872 87097 58300 50912 50214
Investments 177022 158129 160412 161507 202994 207733 249531 281287 310241 362330 461942
Advances 338703 387522 435264 464232 512395 586647 645290 733729 859020 1019638 1184406
Fixed Assets 4678 4726 7577 7805 7904 7931 8410 8878 9374 9600 10860
Other Assets 32709 53448 57574 62535 71727 81852 75978 73411 64840 73200 74380
Total Assets 594642 646129 720695 771791 879189 964459 1098365 1230433 1411298 1584207 1871515

ICICI Bank Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 41418 41530 42305 59869 75713 84169 80296 119156 133128 167822 119438
Cash Flow from Operating Activities 4669 -4824 22428 39223 13304 38419 78449 124093 55047 7690 81657
Cash Flow from Investing Activities -12246 -9200 -3950 7045 -38969 -23875 -37107 -53491 -35035 -65751 -62649
Cash Flow from Financing Activities 6838 15006 -585 -30379 34118 -18251 -2645 -55935 14868 9426 1076
Net Cash Inflow / Outflow -740 982 17893 15889 8453 -3708 38697 14667 34880 -48635 20084
Closing Cash & Cash Equivalent 41530 42305 59869 75713 84169 80296 119156 133128 167822 119438 139926

ICICI Bank Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 15.44 17.52 15.21 15.3 10.54 5.22 12.25 23.41 33.59 45.68 58.23
CEPS(Rs) 16.3 18.5 16.27 16.48 11.76 6.42 13.72 24.94 35.25 47.55 60.57
DPS(Rs) 4.6 5 5 2.5 1.5 1 0 2 5 8 10
Book NAV/Share(Rs) 115.24 126.11 135.88 151.25 158.91 163.38 175.17 208.81 240.4 281.97 333.09
Yield on Advances 13.04 12.67 12.12 11.67 10.73 10.81 11.59 10.78 10.06 10.71 12.06
Yield on Investments 6.76 7.68 9.28 12.5 8.81 6.79 6.64 7.78 5.52 5.81 6.35
Cost of Liabilities 5.69 5.63 5.29 5.08 4.29 4.45 4.45 3.92 3.32 3.62 4.46
NIM (Net Interest Margin) 2.96 3.24 3.24 3.1 2.88 3.09 3.28 3.4 3.55 4.14 4.16
Interest Spread 7.35 7.04 6.83 6.58 6.43 6.36 7.14 6.86 6.73 7.09 7.6
ROA(%) 1.73 1.8 1.42 1.31 0.82 0.36 0.77 1.39 1.77 2.13 2.37
ROE(%) 14.02 14.55 11.63 10.66 6.81 3.24 7.25 12.56 14.99 17.53 18.98
ROCE(%) 10.82 10.64 8.57 8.13 5.96 4.86 8.28 10.44 14.01 16.91 19.09
PER(x) 14.66 16.36 14.14 16.47 26.4 76.44 26.48 24.83 21.74 19.2 18.82
Price/Book(x) 1.96 2.27 1.58 1.67 1.75 2.44 1.85 2.78 3.04 3.11 3.29
Dividend Yield(%) 1.85 1.59 2.11 0.9 0.54 0.25 0 0.34 0.68 0.91 0.91
EV/Net Sales(x) 6.76 7.24 5.92 5.7 6.58 6.66 4.99 6.24 7.12 6.7 6.26
EV/Core EBITDA(x) 17.99 18.01 13.09 11.66 14.62 18.02 13.27 13.56 15.66 14.91 15.39
Interest Earned Growth(%) 10.24 11.12 7.43 2.69 1.5 15.35 17.98 5.78 9.17 26.46 30.82
Net Profit Growth 17.84 13.91 -12.97 0.77 -30.85 -50.37 135.8 104.17 44.14 36.66 28.19
Advances Growth 16.69 14.41 12.32 6.66 10.37 14.49 10 13.71 17.08 18.7 16.16
EPS Growth(%) 17.69 13.47 -13.23 0.6 -31.08 -50.52 134.84 91.09 43.46 36 27.47
Loans/Deposits(x) 46.63 47.69 41.48 30.11 32.6 25.32 21.13 9.83 10.07 10.11 8.85
Cash/Deposits(x) 0.07 0.07 0.06 0.06 0.06 0.06 0.05 0.05 0.1 0.06 0.06
Current Ratio(x) 0.53 0.44 0.38 0.33 0.36 0.32 0.32 0.3 0.29 0.31 0.33
Quick Ratio(x) 46.63 47.69 41.48 30.11 32.6 25.32 21.13 9.83 10.07 10.11 8.85
CASA % 42.9 45.46 45.82 50.37 51.68 49.61 45.11 46.29 48.7 45.84 42.18

ICICI Bank Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 0 0 0 0 0 0 0 0 0 0
FII 36.28 37.14 36.6 35.71 35.92 35.72 35.11 36.01 36.59 37.28
DII 37.96 37.19 36.08 36.69 36.51 36.64 37.24 36.5 36.02 35.66
Public 9.08 8.68 8.49 8.48 8.25 8.13 8.12 7.92 7.88 7.74
Others 16.68 16.99 18.83 19.12 19.33 19.51 19.53 19.58 19.51 19.32
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 64% CAGR over last 5 years

Cons

  • Promoter holding is low: 0%.
  • Stock is trading at 3.6 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

ICICI Bank News

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