PROJECTED BALANCE SHEET OF ICICI BANK LTD 

(in Rs. Cr.)    

    ------------------- in Rs. Cr. -------------------  

Projected Balance Sheet     Mar-21 Mar-22 Mar-23 Mar-24 Mar-25
1+CAG
  CAGR R 12 mths 12 mths 12 mths 12 mths 12 mths

EQUITIES AND LIABILITIES

SHAREHOLDER'S FUNDS
1366.03 1403.13 1441.23 1480.37
Equity Share Capital 3% 103% 1329.92 7 3 7 5
Preference Share Capital
1366.03 1403.13 1441.23 1480.37
Total Share Capital 3% 103% 1329.92 7 3 7 5
3275.14 3358.34 3443.66 3531.14
Revaluation Reserve 3% 103% 3194.00 3 6 2 6
128157. 137035. 146527.
Reserves and Surplus 7% 107% 119855.66 8 1 3 156677
131395. 140324. 160043.
Total Reserves and Surplus 7% 107% 123034.87 6 4 149860 6
2.51884 2.13987 1.81792 1.54441
Employees Stock Options -15% 85% 2.96 1 5 5 4
141701. 151258. 161459.
Total ShareHolders Funds 7% 107% 124361.74 132749 9 6 8
Deposits 16% 116% 896635.40 1042785 1212757 1410434 1640332
157249. 154499. 151797. 149143.
Borrowings -2% 98% 160048.13 3 5 7 1
56423.9 61178.3 66333.2 71922.6
Other Liabilities and Provisions 8% 108% 52039.10 8 3 9 1
1220381.2
Total Capital and Liabilities 11% 111% 8 1355952 1506583 1673948 1859905
ASSETS
40256.1 42999.1 45929.0 49058.6
Cash and Balances with Reserve Bank of India 7% 107% 37688.16 8 8 8 3
Balances with Banks Money at Call and Short 134194. 169743. 214710. 271588.
Notice 26% 126% 106090.15 4 6 2 8
311221. 347569. 388163. 433497.
Investments 12% 112% 278674.74 7 9 2 5
785698.
Advances 10% 110% 712041.77 7 866975 956659 1055620
8860.74 9094.93 9335.32 9582.05
Fixed Assets 3% 103% 8632.58 2 7 1 8
87280.4 93547.5 100264. 107464.
Other Assets 7% 107% 81433.19 3 3 6 1
Total Assets 11% 111% 1220381.2 1355952 1506583 1673948 1859905
 8
OTHER ADDITIONAL INFORMATION
5823.40 6090.41 6369.65 6661.70
Number of Branches 5% 105% 5568.11 6 1 8 8
116507. 126187. 136671. 148026.
Number of Employees 8% 108% 107570.63 8 5 5 4
15.5222 15.0588 14.8323
Capital Adequacy Ratios (%) -2% 98% 15.76 8 15.2888 2 1
KEY PERFORMANCE INDICATORS
16.1125 16.6994 17.3076 17.9380
Tier 1 (%) 4% 104% 15.55 8 5 9 9
0.35355 0.17677
Tier 2 (%) -29% 71% 0.71 0.5 3 0.25 7
ASSETS QUALITY
50948.0 63574.9 71017.4
Gross NPA 12% 112% 45608.81 8 56912.4 5 5
Gross NPA (%) 0% 100% 6.00 6 6 6 6
8682.12 8121.05 7596.24 7105.34
Net NPA -6% 94% 9281.96 7 5 2 4
1.10336 0.93394 0.79053 0.66914
Net NPA (%) -15% 85% 1.30 8 3 3 5
1.63299 1.47557 1.33333 1.20480
Net NPA To Advances (%) -10% 90% 1.81 3 6 3 3
CONTINGENT LIABILITIES, COMMITMENTS
40325.2 36878.1 33725.7 30842.7
Bills for Collection -9% 91% 44094.59 7 6 1 5
3309563.3
Contingent Liabilities 31% 131% 3 4339923 5691062 7462849 9786243

PROJECTED PROFIT & LOSS / INCOME STATEMENT OF ICICI BANK LTD (in Rs. Cr.)    

    ------------------- in Rs. Cr. -------------------  

Projected Profit & Loss account     Mar-21 Mar-22 Mar-23 Mar-24 Mar-25
1+CAG
  CAGR R 12 mths 12 mths 12 mths 12 mths 12 mths

INCOME
69962.4 77138.4 85050.3
Interest / Discount on Advances / Bills 10% 110% 63454.05 5 1 9 93773.9
17243.1 18692.2 20263.1 21966.0
Income from Investments 8% 108% 15906.35 3 5 5 8
Interest on Balance with RBI and Other Inter-Bank 1416.32 2940.65 4237.25
funds 44% 144% 982.93 1 2040.81 1 3
Others -11% 89% 1684.11 1499.17 1334.55 1188.00 1057.55
 7 3 7 3
89077.9 106083. 115767.
Total Interest Earned 9% 109% 81626.46 2 97209.6 6 7
17042.0 17346.7 17656.8 17972.5
Other Income 2% 102% 16742.70 4 3 7 5
113684. 122328. 131630.
Total Income 8% 108% 98185.18 105651 5 8 5
EXPENDITURE
47676.1 51081.5 54730.2 58639.5
Interest Expended 7% 107% 44497.75 5 7 4 2
13704.9 17641.3 22708.4 29230.8
Payments to and Provisions for Employees 29% 129% 10646.94 9 9 1 1
1118.35 1215.25 1434.96
Depreciation 9% 109% 1029.18 6 5 1320.55 8
0.38597 0.20122 0.10491 0.05469
Depreciation on Leased Assets -48% 52% 0.74 2 9 2 6
Operating Expenses (excludes Employee Cost & 15793.5 17122.2 18562.7
Depreciation) 8% 108% 13437.40 14567.9 1 3 4
28215.9 32238.1 36833.7
Total Operating Expenses 14% 114% 24695.56 4 5 2 42084.4
2702.83 2424.19
Provision Towards Income Tax -10% 90% 3359.85 3013.49 1 9 2174.29
#NUM
Provision Towards Deferred Tax ! #NUM! #NUM! #NUM! #NUM! #NUM! #NUM!
15423.0 16926.3 17732.0
Other Provisions and Contingencies 5% 105% 14722.20 2 16157.2 2 6
24093.0 31452.4
Total Provisions and Contingencies 9% 109% 22044.67 2 26331.7 28778.4 4
108848. 118992. 130082.
Total Expenditure 9% 109% 91080.80 99569.1 5 6 2
7161.47 6805.26 6466.77 6145.12
Net Profit / Loss for The Year -5% 95% 7536.33 9 9 7 1
7161.47 6805.26 6466.77 6145.12
Net Profit / Loss After EI & Prior Year Items -5% 95% 7536.33 9 9 7 1
18357.6 18519.8 18683.4
Profit / Loss Brought Forward 1% 101% 18037.54 18196.9 7 6 8
25241.1 24961.2 24684.4 24410.6
Total Profit / Loss available for Appropriations -1% 99% 25524.16 2 2 2 9
APPROPRIATIONS
1790.49 1701.44 1616.83 1536.42
Transfer To / From Statutory Reserve -5% 95% 1884.19 2 9 5 9
0.23337 0.18534 0.14720
Transfer To / From Reserve Fund -21% 79% 0.29 9 9 4 0.11691
604.329 528.563 462.296 404.337
Transfer To / From Special Reserve -13% 87% 690.96 4 4 3 2
161.112 102.837 65.6410 41.8985
Transfer To / From Capital Reserve -36% 64% 252.41 1 6 7 9
Transfer To / From Investment Reserve
Transfer To / From Revenue And Other Reserves -100% 0% 0.00 0 0 0 0
8354.53 108162. 389182.
Dividend and Dividend Tax for The Previous Year 260% 360% 2321.91 4 30060.7 3 2
Equity Share Dividend -100% 0% 0.00 0 0 0 0
Tax On Dividend -100% 0% 0.00 0 0 0 0
23795.9 25135.3 26550.0 28044.4
Balance Carried Over To Balance Sheet 6% 106% 22527.91 2 1 8 8
25241.1 24961.2 24684.4 24410.6
Total Appropriations -1% 99% 25524.16 2 2 2 9
OTHER INFORMATION
EARNINGS PER SHARE
10.5145 9.72939 8.33062
Basic EPS (Rs.) -7% 93% 11.36 4 9 9.00289 9
10.2894 9.49634 8.76434 8.08877
Diluted EPS (Rs.) -8% 92% 11.15 8 4 8 6
DIVIDEND PERCENTAGE
Equity Dividend Rate (%) -100% 0% 0.00 0 0 0 0

PROJECTED CASH FLOW OF ICICI BANK LTD (in Rs. Cr.)    

      ------------------- in Rs. Cr. -------------------  

Projected Cash Flow     Mar-21 Mar-22 Mar-23 Mar-24 Mar-25
1+CAG
  CAGR R 12 mths 12 mths 12 mths 12 mths 12 mths

Net Profit/Loss Before Extraordinary Items And 15077.1 15619.6 16763.9

Tax 4% 104% 14553.51 7 7 16181.7 4
146718. 200646. 274397.
Net CashFlow From Operating Activities 37% 137% 107284.60 5 9 4 375256
Net Cash Used In Investing Activities 75% 175% -64964.62 -113735 -199118 -348599 -610299
Net Cash Used From Financing Activities 46% 146% -3856.01 -5622.43 -8198.03 -11953.5 -17429.4
#NUM
Foreign Exchange Gains / Losses ! #NUM! #NUM! #NUM! #NUM! #NUM! #NUM!
57800.5 70493.5 85973.9 104853.
Net Inc/Dec In Cash And Cash Equivalents 22% 122% 47392.99 1 1 1 8
129845. 152406. 178887.
Cash And Cash Equivalents Begin of Year 17% 117% 94248.06 110624 3 4 5
168101. 199664. 237153. 281681.
Cash And Cash Equivalents End Of Year 19% 119% 141528.43 8 6 7 6