ICICI Bank Ltd

ICICI Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

ICICI Bank Ltd

₹ 1,345 1.18%
13 Dec - close price
icicibank.com BSE: 532174 NSE: ICICIBANK
About

ICICI Bank is the second-largest private sector bank in India offering a diversified portfolio of financial products and services to retail, SME and corporate customers. The Bank has an extensive network of branches, ATMs and other touch-points.The ICICI group has presence in businesses like life and general insurance, housing finance, primary dealership, etc, through its subsidiaries and associates.[1]

Key Points

Ratios 9MFY24
Capital Adequacy Ratio - 16.03%[1]
Net Interest Margin - 4.57%[2]
Gross NPA - 2.30%
Net NPA - 0.44%[3]
CASA Ratio - 39.4%[4]

Website BSE NSE
  • Market Cap ₹ 9,49,165 Cr.
  • Current Price ₹ 1,345
  • High / Low ₹ 1,362 / 970
  • Stock P/E 20.0
  • Book Value ₹ 365
  • Dividend Yield 0.74 %
  • ROCE 7.60 %
  • ROE 18.8 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 59.7% CAGR over last 5 years

Cons

  • Stock is trading at 3.69 times its book value
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.58,58,608 Cr.
  • Earnings include an other income of Rs.93,084 Cr.

* 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.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 23,478 24,314 24,999 26,159 28,850 31,619 34,439 37,106 38,938 40,865 42,607 44,582 46,326
Interest 10,093 10,372 10,634 11,089 11,997 12,978 14,479 16,368 17,908 19,409 20,424 21,122 22,225
21,041 20,470 21,775 18,137 22,336 22,946 25,959 21,402 24,560 24,929 30,604 29,387 32,221
Financing Profit -7,656 -6,528 -7,410 -3,068 -5,483 -4,305 -6,000 -663 -3,530 -3,473 -8,421 -5,927 -8,120
Financing Margin % -33% -27% -30% -12% -19% -14% -17% -2% -9% -8% -20% -13% -18%
16,261 15,745 18,013 13,271 16,634 16,470 19,735 15,229 18,690 18,874 24,802 22,745 26,662
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 8,606 9,216 10,604 10,203 11,151 12,165 13,735 14,566 15,160 15,402 16,381 16,818 18,542
Tax % 24% 24% 24% 25% 25% 25% 25% 24% 25% 25% 26% 26% 25%
6,571 6,960 8,089 7,698 8,361 9,166 10,236 11,014 11,351 11,515 12,200 12,463 13,906
EPS in Rs 8.78 9.41 11.11 10.62 11.49 12.60 14.11 15.20 15.56 15.76 16.62 16.62 18.38
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 44,885 49,479 54,964 59,294 60,940 62,162 71,982 84,836 89,163 95,407 121,067 159,516 174,379
Interest 28,285 29,711 32,318 33,996 34,836 34,262 39,178 44,666 42,659 41,167 50,543 74,108 83,179
31,684 32,852 38,766 52,252 63,841 72,806 83,775 85,361 91,309 80,798 87,864 99,560 117,141
Financing Profit -15,085 -13,084 -16,120 -26,955 -37,737 -44,906 -50,971 -45,190 -44,805 -26,558 -17,341 -14,152 -25,941
Financing Margin % -34% -26% -29% -45% -62% -72% -71% -53% -50% -28% -14% -9% -15%
29,320 30,085 35,252 42,102 52,458 56,807 59,325 64,950 72,030 62,129 65,112 76,522 93,084
Depreciation 625 719 798 843 912 922 946 1,171 1,340 1,330 1,515 1,935 0
Profit before tax 13,610 16,282 18,334 14,304 13,809 10,978 7,408 18,589 25,884 34,241 46,256 60,434 67,143
Tax % 26% 28% 29% 24% 18% 17% 23% 40% 22% 25% 26% 26%
10,130 11,677 12,942 10,927 11,340 9,100 5,689 11,225 20,364 26,538 35,461 46,081 50,084
EPS in Rs 15.14 17.38 19.20 15.92 15.90 12.00 6.60 14.78 26.58 36.14 48.74 63.02 67.38
Dividend Payout % 24% 24% 24% 29% 14% 12% 15% 0% 8% 14% 16% 16%
Compounded Sales Growth
10 Years: 12%
5 Years: 17%
3 Years: 21%
TTM: 23%
Compounded Profit Growth
10 Years: 15%
5 Years: 60%
3 Years: 34%
TTM: 18%
Stock Price CAGR
10 Years: 16%
5 Years: 20%
3 Years: 22%
1 Year: 30%
Return on Equity
10 Years: 13%
5 Years: 15%
3 Years: 17%
Last Year: 19%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 1,154 1,155 1,160 1,163 1,165 1,286 1,289 1,295 1,383 1,390 1,397 1,405
Reserves 67,609 75,275 83,545 92,948 103,467 109,344 112,964 121,665 156,204 180,663 213,101 254,739
487,659 543,055 597,207 671,455 700,874 815,198 891,641 1,014,636 1,103,840 1,252,968 1,399,894 1,651,008
118,401 128,278 144,167 153,190 180,219 198,453 232,899 239,696 312,385 317,616 344,099 456,911
Total Liabilities 674,822 747,762 826,079 918,756 985,725 1,124,281 1,238,794 1,377,292 1,573,812 1,752,637 1,958,490 2,364,063
5,473 5,507 5,871 8,713 9,338 9,465 9,660 10,409 10,917 10,707 11,070 15,714
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 255,667 267,609 274,311 286,044 304,373 372,208 398,201 443,473 536,579 567,098 639,552 827,163
413,682 474,646 545,897 623,999 672,013 742,608 830,933 923,411 1,026,317 1,174,833 1,307,868 1,521,186
Total Assets 674,822 747,762 826,079 918,756 985,725 1,124,281 1,238,794 1,377,292 1,573,812 1,752,637 1,958,490 2,364,063

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
17,494 6,765 -12,273 23,645 52,636 19,383 48,671 79,565 138,015 58,111 -3,771 157,284
-18,563 -15,750 -13,175 -12,060 -1,711 -50,551 -30,282 -42,095 -63,631 -39,448 -67,689 -144,737
9,283 7,872 24,827 5,814 -35,470 39,676 -19,997 2,992 -54,667 17,451 24,791 13,765
Net Cash Flow 8,215 -1,113 -621 17,399 15,455 8,508 -1,608 40,462 19,718 36,114 -46,669 26,312

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 15% 15% 15% 11% 10% 7% 4% 8% 13% 15% 17% 19%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
45.30% 43.95% 43.54% 44.77% 45.11% 44.16% 44.53% 44.39% 43.65% 44.77% 45.48% 46.22%
43.75% 44.58% 45.33% 44.55% 44.18% 45.11% 45.00% 45.27% 46.00% 45.10% 44.45% 44.17%
0.24% 0.24% 0.23% 0.24% 0.24% 0.24% 0.25% 0.26% 0.27% 0.28% 0.28% 0.27%
10.70% 11.23% 10.89% 10.44% 10.46% 10.48% 10.22% 10.09% 10.09% 9.84% 9.79% 9.34%
No. of Shareholders 16,42,13118,79,72219,28,47717,97,47817,80,47218,33,99417,68,79517,90,87918,02,20717,85,57218,03,05118,12,907

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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