WEBSITE BSE:532174 NSE : ICICI BANK 23 Mar, 16:01
Market Cap ₹598481 Cr.
Stock P/E 18.7
P/B 3
Current Price ₹855.9
Book Value ₹ 287.5
Face Value 2
52W High ₹958
Dividend Yield 0.58%
52W Low ₹ 670.4
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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#(Fig in Cr.) | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 |
---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 22226 | 22214 | 22300 | 23097 | 23478 | 24314 | 24999 | 26159 | 28850 | 31619 |
Other Income | 17095 | 18241 | 21322 | 15755 | 16006 | 15552 | 17835 | 13060 | 16328 | 16241 |
Total Income | 39321 | 40454 | 43621 | 38853 | 39484 | 39866 | 42834 | 39218 | 45178 | 47860 |
Interest Expense | 10945 | 10412 | 9955 | 10074 | 10093 | 10372 | 10634 | 11089 | 11997 | 12978 |
Operating Expenditure | 18454 | 19784 | 23733 | 19161 | 18267 | 18342 | 20672 | 17007 | 20683 | 20512 |
Provisions and contingencies | 3050 | 2700 | 2923 | 2939 | 2774 | 2129 | 1103 | 1131 | 1653 | 2434 |
Operating Profit | 6873 | 7558 | 7010 | 6679 | 8351 | 9023 | 10425 | 9992 | 10845 | 11936 |
Profit Before Tax | 6873 | 7558 | 7010 | 6679 | 8351 | 9023 | 10425 | 9992 | 10845 | 11936 |
Provision for Tax | 1446 | 1538 | 1679 | 1702 | 2035 | 2256 | 2514 | 2505 | 2790 | 2999 |
Profit After Tax | 5426 | 6020 | 5331 | 4977 | 6316 | 6767 | 7910 | 7487 | 8055 | 8936 |
Adjustments | -544 | -522 | -445 | -229 | -224 | -230 | -191 | -102 | -48 | -144 |
Profit After Adjustments | 4882 | 5498 | 4886 | 4747 | 6092 | 6537 | 7719 | 7385 | 8007 | 8792 |
Adjusted Earnings Per Share | 7.1 | 8 | 7.1 | 6.9 | 8.8 | 9.4 | 11.1 | 10.6 | 11.5 | 12.6 |
#(Fig in Cr.) | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 37995 | 44885 | 49479 | 54964 | 59294 | 60940 | 62162 | 71982 | 84836 | 89163 | 95407 | 111627 |
Other Income | 28663 | 29320 | 30085 | 35252 | 42102 | 52458 | 56807 | 59325 | 64950 | 72030 | 62129 | 63464 |
Total Income | 66658 | 74204 | 79564 | 90216 | 101396 | 113398 | 118969 | 131306 | 149786 | 161192 | 157536 | 175090 |
Interest Expense | 25013 | 28285 | 29711 | 32318 | 33996 | 34836 | 34262 | 39178 | 44666 | 42659 | 41167 | 46698 |
Operating Expenditure | 29552 | 30207 | 30666 | 35023 | 40790 | 48170 | 55756 | 64259 | 71518 | 76272 | 73152 | 78874 |
Provisions and contingencies | 1406 | 2095 | 2900 | 4536 | 12305 | 16582 | 17973 | 20462 | 15014 | 16377 | 8977 | 6321 |
Operating Profit | 10687 | 13617 | 16287 | 18339 | 14304 | 13809 | 10978 | 7408 | 18589 | 25884 | 34241 | 43198 |
Profit Before Tax | 10687 | 13617 | 16287 | 18339 | 14304 | 13809 | 10978 | 7408 | 18589 | 25884 | 34241 | 43198 |
Provision for Tax | 2749 | 3487 | 4610 | 5397 | 3378 | 2469 | 1879 | 1719 | 7363 | 5664 | 8457 | 10808 |
Profit After Tax | 7938 | 10130 | 11677 | 12942 | 10927 | 11340 | 9100 | 5689 | 11225 | 20220 | 25784 | 32388 |
Adjustments | -295 | -526 | -636 | -695 | -747 | -1152 | -1387 | -1435 | -1659 | -1835 | -674 | -485 |
Profit After Adjustments | 7643 | 9604 | 11041 | 12247 | 10180 | 10188 | 7712 | 4254 | 9566 | 18384 | 25110 | 31903 |
Adjusted Earnings Per Share | 12.1 | 15.1 | 17.4 | 19.2 | 15.9 | 15.9 | 12 | 6.6 | 14.8 | 26.6 | 36.1 | 45.8 |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 7% | 10% | 9% | 10% |
Operating Profit CAGR | 32% | 67% | 20% | 12% |
PAT CAGR | 28% | 65% | 18% | 13% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | 19% | 44% | 25% | 17% |
ROE Average | 15% | 13% | 11% | 13% |
ROCE Average | 13% | 11% | 9% | 10% |
#(Fig in Cr.) | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
---|---|---|---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 61276 | 68762 | 76430 | 84705 | 94111 | 104632 | 110630 | 114253 | 122960 | 157588 | 182052 |
Minority's Interest | 1428 | 1706 | 2011 | 2506 | 3356 | 4865 | 6008 | 6581 | 6795 | 9588 | 5981 |
Deposits | 281950 | 314771 | 359513 | 385955 | 451077 | 512587 | 585796 | 681317 | 800784 | 959940 | 1091366 |
Borrowings | 161297 | 172888 | 183542 | 211252 | 220378 | 188287 | 229402 | 210324 | 213852 | 143900 | 161603 |
Other Liabilities & Provisions | 113336 | 116695 | 126267 | 141662 | 149835 | 175353 | 192445 | 226319 | 232901 | 302796 | 311636 |
Total Liabilities | 619287 | 674822 | 747762 | 826079 | 918756 | 985725 | 1124281 | 1238794 | 1377292 | 1573812 | 1752637 |
Cash and balance with RBI | 20728 | 19306 | 22097 | 25838 | 27278 | 31891 | 33273 | 38066 | 35312 | 46302 | 60229 |
Bank Balance | 20428 | 30065 | 26161 | 21800 | 37758 | 48600 | 55727 | 49325 | 92541 | 101268 | 122897 |
Investments | 239864 | 255667 | 267609 | 274311 | 286044 | 304373 | 372208 | 398201 | 443473 | 536579 | 567098 |
Advances | 292125 | 329974 | 387342 | 438490 | 493729 | 515317 | 566854 | 646962 | 706246 | 791801 | 920308 |
Fixed Assets | 5432 | 5473 | 5507 | 5871 | 8713 | 9338 | 9465 | 9660 | 10409 | 10809 | 10605 |
Other Assets | 40709 | 34337 | 39046 | 59770 | 65234 | 76205 | 86755 | 96580 | 89312 | 87052 | 71500 |
Total Assets | 619287 | 674822 | 747762 | 826079 | 918756 | 985725 | 1124281 | 1238794 | 1377292 | 1573812 | 1752637 |
#(Fig in Cr.) | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
---|---|---|---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 39385 | 41156 | 49371 | 48258 | 47637 | 65036 | 80491 | 88999 | 87391 | 127853 | 147571 |
Cash Flow from Operating Activities | -6814 | 17494 | 6765 | -12273 | 23645 | 52636 | 19383 | 48671 | 79565 | 138015 | 58111 |
Cash Flow from Investing Activities | -21263 | -19148 | -16668 | -12932 | -11819 | -1606 | -50573 | -30147 | -42308 | -62987 | -39321 |
Cash Flow from Financing Activities | 29439 | 9283 | 7872 | 24827 | 5814 | -35470 | 39676 | -19997 | 2992 | -54667 | 17451 |
Net Cash Inflow / Outflow | 1363 | 7629 | -2030 | -378 | 17640 | 15560 | 8485 | -1474 | 40249 | 20362 | 36241 |
Closing Cash & Cash Equivalent | 41156 | 49371 | 48258 | 47637 | 65036 | 80491 | 88999 | 87391 | 127853 | 147571 | 183126 |
# | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
---|---|---|---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | 12.06 | 15.14 | 17.38 | 19.2 | 15.92 | 15.9 | 12 | 6.6 | 14.78 | 26.58 | 36.14 |
CEPS(Rs) | 13.51 | 16.9 | 19.46 | 21.49 | 18.37 | 19.12 | 15.59 | 10.29 | 19.15 | 31.15 | 38.99 |
DPS(Rs) | 3.3 | 4 | 4.6 | 5 | 5 | 2.5 | 1.5 | 1 | 0 | 2 | 5 |
Book NAV/Share(Rs) | 96.65 | 108.37 | 120.31 | 132.82 | 142.72 | 158.52 | 167.39 | 172.47 | 185.1 | 223.34 | 256.96 |
Yield on Advances | 13.01 | 13.6 | 12.77 | 12.53 | 12.01 | 11.83 | 10.97 | 11.13 | 12.01 | 11.26 | 10.37 |
Yield on Investments | 5.01 | 5.61 | 5.6 | 5.93 | 6.64 | 8.46 | 6.28 | 5.17 | 5.56 | 5.85 | 4.29 |
Cost of Liabilities | 5.64 | 5.8 | 5.47 | 5.41 | 5.06 | 4.97 | 4.2 | 4.39 | 4.4 | 3.86 | 3.29 |
NIM (Net Interest Margin) | 2.26 | 2.61 | 2.81 | 2.98 | 2.99 | 2.9 | 2.71 | 2.9 | 3.14 | 3.15 | 3.25 |
Interest Spread | 7.36 | 7.8 | 7.3 | 7.12 | 6.95 | 6.86 | 6.76 | 6.73 | 7.61 | 7.4 | 7.08 |
ROA(%) | 1.38 | 1.57 | 1.64 | 1.64 | 1.25 | 1.19 | 0.86 | 0.48 | 0.86 | 1.37 | 1.55 |
ROE(%) | 13.62 | 15.58 | 16.09 | 16.07 | 12.42 | 11.76 | 8.7 | 5.2 | 9.72 | 14.74 | 15.49 |
ROCE(%) | 10.12 | 10.48 | 11 | 10.75 | 8.62 | 8.36 | 6.79 | 5.9 | 9.08 | 10.91 | 12.96 |
PER(x) | 13.38 | 12.56 | 13.03 | 14.93 | 13.51 | 15.84 | 23.2 | 60.44 | 21.96 | 21.87 | 20.21 |
Price/Book(x) | 1.67 | 1.75 | 1.88 | 2.16 | 1.51 | 1.59 | 1.66 | 2.31 | 1.75 | 2.6 | 2.84 |
Dividend Yield(%) | 1.86 | 1.91 | 1.85 | 1.59 | 2.11 | 0.9 | 0.54 | 0.25 | 0 | 0.34 | 0.68 |
EV/Net Sales(x) | 6.94 | 6.54 | 6.62 | 7.17 | 6.04 | 5.74 | 6.57 | 6.49 | 5 | 6.12 | 7.01 |
EV/Core EBITDA(x) | 21.8 | 18.68 | 17.06 | 17.23 | 13.45 | 11.51 | 14.1 | 16.77 | 12.61 | 12.92 | 15.48 |
Interest Earned Growth(%) | 26.31 | 18.13 | 10.24 | 11.08 | 7.88 | 2.78 | 2.01 | 15.8 | 17.86 | 5.1 | 7 |
Net Profit Growth | 25.63 | 27.62 | 15.27 | 10.83 | -15.57 | 3.78 | -19.76 | -37.48 | 97.31 | 80.12 | 27.52 |
Advances Growth | 14.1 | 12.96 | 17.39 | 13.2 | 12.6 | 4.37 | 10 | 14.13 | 9.16 | 12.11 | 16.23 |
EPS Growth(%) | 25.33 | 25.56 | 14.83 | 10.49 | -17.13 | -0.08 | -24.55 | -44.99 | 123.94 | 79.86 | 35.94 |
Loans/Deposits(x) | 57.21 | 54.93 | 51.05 | 54.73 | 48.86 | 36.73 | 39.16 | 30.87 | 26.71 | 14.99 | 14.81 |
Cash/Deposits(x) | 0.07 | 0.06 | 0.06 | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 | 0.04 | 0.05 | 0.06 |
Current Ratio(x) | 0.85 | 0.81 | 0.74 | 0.71 | 0.63 | 0.59 | 0.64 | 0.58 | 0.55 | 0.56 | 0.52 |
Quick Ratio(x) | 57.21 | 54.93 | 51.05 | 54.73 | 48.86 | 36.73 | 39.16 | 30.87 | 26.71 | 14.99 | 14.81 |
CASA % | 42.13 | 41.34 | 42.33 | 44.71 | 45.4 | 49.9 | 51.32 | 48.78 | 44.84 | 46.17 | 48.6 |
# | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FII | 37.32 | 37.92 | 37.58 | 37.67 | 37.05 | 36.21 | 35.61 | 36.28 | 37.14 | 36.6 |
DII | 36.08 | 34.3 | 33.16 | 32.93 | 33.5 | 35.2 | 36.32 | 37.96 | 37.34 | 36.08 |
Public | 8.34 | 7.72 | 7.91 | 7.86 | 7.8 | 8.56 | 9.1 | 9.08 | 8.53 | 8.49 |
Others | 18.26 | 20.06 | 21.35 | 21.53 | 21.65 | 20.03 | 18.98 | 16.68 | 16.99 | 18.83 |
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
# | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FII | 257.4 | 261.76 | 259.88 | 260.89 | 256.9 | 251.39 | 247.45 | 252.36 | 258.81 | 255.33 |
DII | 248.82 | 236.77 | 229.34 | 228.03 | 232.31 | 244.43 | 252.36 | 264.08 | 260.16 | 251.72 |
Public | 57.49 | 53.33 | 54.73 | 54.47 | 54.08 | 59.43 | 63.21 | 63.14 | 59.45 | 59.27 |
Others | 125.91 | 138.5 | 147.65 | 149.11 | 150.15 | 139.08 | 131.86 | 116.06 | 118.37 | 131.39 |
Total | 689.62 | 690.37 | 691.6 | 692.5 | 693.44 | 694.34 | 694.88 | 695.64 | 696.79 | 697.7 |
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