15 RATIOS FOR FUNDAMENTAL ANALYSIS OF BANKING SECTOR

RATIOS HDFC BANK

2016 2017 2018 2019 2020
Interest Income 63,161.56 73,271.35 85,287.84 105,160.74 122,189.30
Net Interest Income 29,165.09 38,435.52 51,025.79 65,983.20 77,523.78
Net Interest Margin 3.98% 3.94% 3.88% 3.97% 3.79%
Cost to Income Ratio 37% 38% 40% 38% 39%
Net Profit 12,817.33 15,287.40 18,560.84 22,445.61 27,296.27
Return On Assets (ROA) 1.75% 1.70% 1.67% 1.72% 1.72%
Return On Equity (ROE) 17.22% 16.61% 16.88% 14.53% 15.40%
Total Advances 464,593.96 554,568.20 658,333.09 819,401.22 993,702.88
Total Deposits 545,873.29 643,134.25 788,375.14 922,502.68 1,146,207.14
Loans to Deposit Ratio or Credit
to Deposit Ratio 10% 10% 12% 16% 13%
CASA Ratio 43% 48% 43% 42% 42%
Gross NPAs 1% 1% 1% 1% 1%
Net NPAs 0% 0% 0% 0% 0%
Provision Coverage Ratio (PCR)
Capital Adequacy Ratio (CAR) 16% 15% 15% 17% 19%
OF BANKING SECTOR
ICICI BANK
2016 2017 2018 2019 2020
59,293.71 60,939.98 62,162.35 71,981.65 84,835.77
25,224.14 22,898.40 19,780.87 18,268.96 22,698.34
2.75% 2.64% 2.48% 2.64% 2.91%
39% 43% 47% 49% 46%
10,926.89 11,340.33 9,099.54 5,689.16 11,050.25
1.10% 1.03% 0.68% 0.34% 0.69%
11.15% 10.03% 7.16% 3.72% 7.78%
435,263.94 464,232.08 512,395.29 586,646.58 -
451,077.39 512,587.26 585,796.11 681,316.94 800,784.46

48% 41% 30% 33% 25%

45% 50% 51% 51% 45%
6% 9% 0% 7% 6%
3% 5% 5% 2% 1%

17% 17% 18% 17% 16%