Case study of ICICI Bank

Financials of ICICI

The financial position of the bank for the year ending 31 March.4 34.411. 2010 94.806.4 38. ➢ ➢ ➢ ➢ ➢ ➢ ➢ Total Deposit Total Investment Total Advances Total Assets Total Income Total Expenditure Net Profit 202017 Cr 120893 Cr 181206 Cr 363400 Cr 33185 Cr 23452 Cr 4025 Cr  Non Performing Assets March 31.Icici is one of the leading private sector bank of India.09% March 31. 2010 is given below.5 2.1 2.4 45.2009 Gross NPA Less: Provision Net NPA Net NPA ratio 75.795.5 56.395.12%  Classification of Assets .905.539.

27 98.10 61. 2.52 % * 100 . Gross NPA ratio = Gross NPA * 100 Gross Advances = 946742 14210056 = 6.56 Total Customer Assets  Percentage of Net NPA in various sectors CALCULATION OF RATIO’S ➢ Gross NPA ratio Gross NPA Ratio is the ratio of gross NPA to gross advances of the Bank.04 5.27 50.30 5. Gross NPA is the sum of all loan assets that are classified as NPA. 2.March 31.316.414.13 March 31.20 40.67 31.29 55.32 Rs. 2.057.77 Rs.03 61. 2.87 96.2009 Standard asset Of which: Restructured loans Non Performing Assets Of Which: Sub Standard assets Doubtful Assets Loss Assets Rs.2010 Rs.153.

The provision is to be made for NPA account.5 * 100 3634000 = 2. in which the provision is to be deducted from the gross advance.12% ➢ Problem Asset ratio It is the ratio of gross NPA to total asset of the bank.11 * 100 181206 = 2. Problem Asset ratio = Gross NPA * 100 Total Asset = 94806.➢ Net NPA ratio The net NPA percentage is the ratio of net NPA to net advances. Net NPA ratio = Net NPA Net Advances * 100 = 3841.6 % ➢ Capital Adequacy ratio .

30 * 100 . which are weighted or adjusted according to risk attached to them.62 = 19.80 = 52. to its assets.20 * 100 94.22 * 100 3556.Capital Adequacy Ratio can be defined as ratio of the capital of the Bank. Doubtful Asset Ratio = Total Doubtful asset * 100 Gross NPA = 40. Capital Adequacy ratio = Total Capital Risk Weighted assets = 681.15 % * 100 ➢ Sub Standard Asset ratio It is the ratio of Total Substandard Assets to Gross NPA of the bank.9 % ➢ Doubtful Asset Ratio It is the ratio of Total Doubtful Assets to Gross NPAs of the bank. Substandard Asset ratio = Total Substandard Asset * 100 Gross NPA = 50.

5 % ➢ Loss Asset ratio It is the ratio of total loss assets to Gross NPA of the bank.77 * 100 94.94. Loss Asset Ratio = Total Loss asset * 100 Gross NPA = 5.1 % .80 = 42.80 = 6.

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