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ICICI Bank Ltd.

Large Cap

Evaluated by 5583 users |

BSE

: 532174 |

NSE

: ICICIBANK |

Bank - Private

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The valuation guidance of this company is based on Consolidated basis.
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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
10 Year X-Ray
MoneyWorks4me Colour Coding
 Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Net Interest Income (Rs. Cr.)3,0295,0346,3278,3289,7639,42510,73912,98216,59919,769
Y-o-Y Gr. Rt.-66.2%25.7%31.6%17.2%-3.5%14%20.9%27.9%19.1%
Total Income16,93124,61641,36460,05364,15359,60061,59566,65874,20479,564
Y-o-Y Gr. Rt.-45.4%68%45.2%6.8%-7.1%3.4%8.2%11.3%7.2%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
25.1427.230.730.5432.1341.8952.966.3183.2595.6
Y-o-Y Gr. Rt.-8.2%12.9%-0.5%5.2%30.4%26.3%25.4%25.6%14.8%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
165.37247.23266.41401.96420.2460.14480.16531.57596.05661.68
Y-o-Y Gr. Rt.-49.5%7.8%50.9%4.5%9.5%4.4%10.7%12.1%11%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.171.050.780.710.711.241.383.270
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)1.650.721.021.552.092.121.110.730.770.97
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 19.08%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income23.2%15.2%22.6%19.1%
Total Income18.8%4.4%8.9%7.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
16%24.4%21.8%14.8%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
16.7%9.5%11.3%11%
 
RATIOS \ YEARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Interest Earned / Total Income58.0861.4958.0356.7756.5150.5948.845760.4962.19
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.841.951.71.822.172.052.132.262.612.81
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)18.1914.0411.469.077.399.8811.8513.6215.5816.09
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 23.9823.5723.7228.4328.1838.8241.9742.1341.3442.33
Management Assessment
Management Assessment
An assessment of the trustworthiness of the management based on 5 important parameters. These parameters are colour coded as
Green (Very Good), Orange (Somewhat Good) and Red (Not Good)
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Corporate Governance
Corporate Governance
This refers to a set of processes or laws that affects the way a company is directed and controlled.
Board Credentials
Board credentials
This refers to the skill sets (qualification, experience, etc.) that the management team of a company possesses.
Promoter's holding
Promoter's holding
This refers to the stake that the promoters hold in a company and proportion of shares pledged.
Transparency
Transparency
Transparency refers to the practices that a company follows in the disclosure of important and necessary information.
Integrity
Integrity
Integrity refers to the application of honest and fair business practices.

Percentage Holding
63.32%
7.55%
29.13%

Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)

ICICI Bank, in the last 10 years, increased its net interest income by 29.17% on a stand-alone basis, from Rs. 2185 Cr. in FY04 to Rs. 13866 Cr. in FY13. On a consolidated basis, its net interest income was Rs. 16599.18 Cr. in FY13. Its CASA ratio was below 30% till FY09; but in the last two financial years, it boosted its CASA ratio was 43.5% at March 31, 2012, which is quite remarkable. The bank earned net interest margins of 3.11% in FY13. Its book value per sha ... Read more

ICICI Bank, in the last 10 years, increased its net interest income by 29.17% on a stand-alone basis, from Rs. 2185 Cr. in FY04 to Rs. 13866 Cr. in FY13. On a consolidated basis, its net interest income was Rs. 16599.18 Cr. in FY13. Its CASA ratio was below 30% till FY09; but in the last two financial years, it boosted its CASA ratio was 43.5% at March 31, 2012, which is quite remarkable. The bank earned net interest margins of 3.11% in FY13. Its book value per share grew only by 10.71% in FY12. The book value of the bank increased from Rs. 125.28 in FY04 to Rs. 578 in FY13. ICICI Bank acquired Bank of Rajasthan in 2010.

ICICI Bank managed to attain ROE (Return on Equity) of 13.62% in FY12. The net non-performing assets to net advances ratio of the bank have been continuously above 1% in the last five years, which shows its asset quality is not up to the mark. If we look at its trend, it is showing decreasing net non-performing assets to net advances ratio in the last two years, from 1.11% in FY11 to 0.73% in FY12. This shows it is continuously improving its asset quality with a large focus on it.

At the end of FY13, its capital adequacy ratio was at 18.74%; much higher than the RBI guideline of 9%, which will help the bank grow its operation comfortably.

Considering all the above factors we can say that the 10 YEAR X-RAY of ICICI Bank is Orange (‘somewhat good’).

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