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Consolidated Standalone

ICICI Bank

₹1114.4 -8.7 | 0.8%

Market Cap ₹783184 Cr.

Stock P/E 17.7

P/B 3.1

Current Price ₹1114.4

Book Value ₹ 358

Face Value 2

52W High ₹1169.3

Dividend Yield 0.9%

52W Low ₹ 898.9

Edit Ratio

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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.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 24314 24999 26159 28850 31619 34439 37106 38938 40865 42607
Other Income 15552 17835 13060 16328 16241 19484 14978 18354 18615 24575
Total Income 39866 42834 39218 45178 47860 53923 52084 57292 59480 67182
Interest Expense 10372 10634 11089 11997 12978 14479 16368 17908 19409 20424
Operating Expenditure 18342 20672 17007 20683 20512 24237 20057 23911 23909 29906
Provisions and contingencies 2129 1103 1131 1653 2434 1722 1345 649 1020 698
Operating Profit 9023 10425 9992 10845 11936 13484 14315 14824 15142 16154
Profit Before Tax 9023 10425 9992 10845 11936 13484 14315 14824 15142 16154
Provision for Tax 2256 2514 2505 2790 2999 3499 3551 3809 3887 4181
Profit After Tax 6767 7910 7487 8055 8936 9985 10763 11015 11255 11973
Adjustments -230 -191 -102 -48 -144 -133 -127 -119 -203 -301
Profit After Adjustments 6537 7719 7385 8007 8792 9853 10636 10896 11053 11672
Adjusted Earnings Per Share 9.4 11.1 10.6 11.5 12.6 14.1 15.2 15.6 15.8 16.6

ICICI Bank Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 44885 49479 54964 59294 60940 62162 71982 84836 89163 95407 121067 159516
Other Income 29320 30085 35252 42102 52458 56807 59325 64950 72030 62129 65112 76522
Total Income 74204 79564 90216 101396 113398 118969 131306 149786 161192 157536 186179 236038
Interest Expense 28285 29711 32318 33996 34836 34262 39178 44666 42659 41167 50543 74109
Operating Expenditure 30207 30666 35023 40790 48170 55756 64259 71518 76272 73152 82439 97783
Provisions and contingencies 2095 2900 4536 12305 16582 17973 20462 15014 16377 8977 6940 3712
Operating Profit 13617 16287 18339 14304 13809 10978 7408 18589 25884 34241 46256 60435
Profit Before Tax 13617 16287 18339 14304 13809 10978 7408 18589 25884 34241 46256 60435
Provision for Tax 3487 4610 5397 3378 2469 1879 1719 7363 5664 8457 11793 15428
Profit After Tax 10130 11677 12942 10927 11340 9100 5689 11225 20220 25784 34463 45006
Adjustments -526 -636 -695 -747 -1152 -1387 -1435 -1659 -1835 -674 -426 -750
Profit After Adjustments 9604 11041 12247 10180 10188 7712 4254 9566 18384 25110 34037 44257
Adjusted Earnings Per Share 15.1 17.4 19.2 15.9 15.9 12 6.6 14.8 26.6 36.1 48.7 63.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 27% 13% 14% 10%
Operating Profit CAGR 35% 36% 33% 13%
PAT CAGR 34% 45% 31% 13%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 19% 22% 24% 16%
ROE Average 18% 16% 13% 13%
ROCE Average 15% 13% 11% 10%

ICICI Bank Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 68762 76430 84705 94111 104632 110630 114253 122960 157588 182052 214498
Minority's Interest 1706 2011 2506 3356 4865 6008 6581 6795 9588 5981 6687
Deposits 314771 359513 385955 451077 512587 585796 681317 800784 959940 1091366 1210832
Borrowings 172888 183542 211252 220378 188287 229402 210324 213852 143900 161603 189062
Other Liabilities & Provisions 116695 126267 141662 149835 175353 192445 226319 232901 302796 311636 337412
Total Liabilities 674822 747762 826079 918756 985725 1124281 1238794 1377292 1573812 1752637 1958490
Cash and balance with RBI 19306 22097 25838 27278 31891 33273 38066 35312 46302 109631 68649
Bank Balance 30065 26161 21800 37758 48600 55727 49325 92541 101268 73495 67808
Investments 255667 267609 274311 286044 304373 372208 398201 443473 536579 567098 639552
Advances 329974 387342 438490 493729 515317 566854 646962 706246 791801 920308 1083866
Fixed Assets 5473 5507 5871 8713 9338 9465 9660 10409 10809 10605 10969
Other Assets 34337 39046 59770 65234 76205 86755 96580 89312 87052 71500 87647
Total Assets 674822 747762 826079 918756 985725 1124281 1238794 1377292 1573812 1752637 1958490

ICICI Bank Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 41156 49371 48258 47637 65036 80491 88999 87391 127853 147012 183126
Cash Flow from Operating Activities 17494 6765 -12273 23645 52636 19383 48671 79565 138015 58111 -3771
Cash Flow from Investing Activities -19148 -16668 -12932 -11819 -1606 -50573 -30147 -42308 -62987 -39321 -68005
Cash Flow from Financing Activities 9283 7872 24827 5814 -35470 39676 -19997 2992 -54667 17451 24791
Net Cash Inflow / Outflow 7629 -2030 -378 17640 15560 8485 -1474 40249 20362 36241 -46986
Closing Cash & Cash Equivalent 49371 48258 47637 65036 80491 88999 87391 127853 147571 183126 136456

ICICI Bank Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 15.14 17.38 19.2 15.92 15.9 12 6.6 14.78 26.58 36.14 48.74
CEPS(Rs) 16.9 19.46 21.49 18.37 19.12 15.59 10.29 19.15 31.15 39.02 51.52
DPS(Rs) 4 4.6 5 5 2.5 1.5 1 0 2 5 8
Book NAV/Share(Rs) 108.37 120.31 132.82 142.72 158.52 167.39 172.47 185.1 223.34 256.96 301.66
Yield on Advances 13.6 12.77 12.53 12.01 11.83 10.97 11.13 12.01 11.26 10.37 11.17
Yield on Investments 5.61 5.6 5.93 6.64 8.46 6.28 5.17 5.56 5.85 4.29 4.56
Cost of Liabilities 5.8 5.47 5.41 5.06 4.97 4.2 4.39 4.4 3.86 3.29 3.61
NIM (Net Interest Margin) 2.61 2.81 2.98 2.99 2.9 2.71 2.9 3.14 3.15 3.25 3.79
Interest Spread 7.8 7.3 7.12 6.95 6.86 6.76 6.73 7.61 7.4 7.08 7.56
ROA(%) 1.57 1.64 1.64 1.25 1.19 0.86 0.48 0.86 1.37 1.55 1.86
ROE(%) 15.58 16.09 16.07 12.42 11.76 8.7 5.2 9.72 14.74 15.49 17.71
ROCE(%) 10.48 11 10.75 8.62 8.36 6.79 5.9 9.08 10.91 12.96 15.34
PER(x) 12.56 13.03 14.93 13.51 15.84 23.2 60.44 21.96 21.87 20.21 18
Price/Book(x) 1.75 1.88 2.16 1.51 1.59 1.66 2.31 1.75 2.6 2.84 2.91
Dividend Yield(%) 1.91 1.85 1.59 2.11 0.9 0.54 0.25 0 0.34 0.68 0.91
EV/Net Sales(x) 6.54 6.62 7.17 6.04 5.74 6.57 6.49 5 6.12 7.01 6.62
EV/Core EBITDA(x) 18.68 17.06 17.23 13.45 11.51 14.1 16.77 12.61 12.92 15.48 15.07
Interest Earned Growth(%) 18.13 10.24 11.08 7.88 2.78 2.01 15.8 17.86 5.1 7 26.9
Net Profit Growth 27.62 15.27 10.83 -15.57 3.78 -19.76 -37.48 97.31 80.12 27.52 33.66
Advances Growth 12.96 17.39 13.2 12.6 4.37 10 14.13 9.16 12.11 16.23 17.77
EPS Growth(%) 25.56 14.83 10.49 -17.13 -0.08 -24.55 -44.99 123.94 79.86 35.94 34.89
Loans/Deposits(x) 54.93 51.05 54.73 48.86 36.73 39.16 30.87 26.71 14.99 14.81 15.61
Cash/Deposits(x) 0.06 0.06 0.07 0.06 0.06 0.06 0.06 0.04 0.05 0.1 0.06
Current Ratio(x) 0.81 0.74 0.71 0.63 0.59 0.64 0.58 0.55 0.56 0.52 0.53
Quick Ratio(x) 54.93 51.05 54.73 48.86 36.73 39.16 30.87 26.71 14.99 14.81 15.61
CASA % 41.34 42.33 44.71 45.4 49.9 51.32 48.78 44.84 46.17 48.6 45.48

ICICI Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 0 0 0 0 0 0 0 0 0 0
FII 36.21 35.61 36.28 37.14 36.6 35.71 35.92 35.72 35.11 36.01
DII 35.2 36.32 37.96 37.19 36.08 36.69 36.51 36.64 37.24 36.5
Public 8.56 9.1 9.08 8.68 8.49 8.48 8.25 8.13 8.12 7.92
Others 20.03 18.98 16.68 16.99 18.83 19.12 19.33 19.51 19.53 19.58
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 30% CAGR over last 5 years

Cons

  • Promoter holding is low: 0%.
  • Stock is trading at 3.1 times its book value.
  • Earnings include an other income of Rs. 65112 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.

ICICI Bank News

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