ICICI BANK
LIMITED
J.S NIRANCH RAHUL
INTRODUCTION
ICICI Bank Limited is an Indian diversified financial services company headquartered in
Mumbai, Maharashtra. It is the second largest bank in India by assets and third largest by
market capitalization.
It offers a wide range of banking products and financial services to corporate and retail
customers through a variety of delivery channels and through its specialized subsidiaries in the
areas of investment banking, life and non-life insurance, venture capital and asset
management.
The Bank has a network of 2,630 branches and 8,003 ATM's in India, and has a presence in 19
countries, including India
VISION AND MISSION
VISION MISSION
To be the leading provider of financial ICICI will leverage our people, technology,
services in India and a major global bank speed and financial capital to: be the banker
of the first choice for our customers by
delivering high quality, world-class
products, and services
COMPANY PROFILE
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution,
and was its wholly-owned subsidiary
Mr. Sandeep Bakhshi, Managing Director & CEO
ICICI Bank currently has a network of 5,288 branches and 15,158 ATMs across India
ICICI Group :
ICICI Prudential Life Insurance Company Limited, ICICI Prudential Trust Limited,
ICICI Prudential Pension Funds Management Company Limited, ICICI Direct ICICI Securities
Limited, ICICI Securities Primary Dealership Limited, ICICI Venture Funds Management
Company Limited, ICICI Lombard General Insurance Company Limited, ICICI Prudential
Asset Management Company Limited, ICICI Home Finance Company Limited, ICICI
Investment Management Company Limited
FIVE YEARS BALANCE SHEET OF ICICI BANK
RATIO ANALYSIS
Ratio analysis is a quantitative method of gaining insight into a company's liquidity,
operational efficiency, and profitability by studying its financial statements such as the
balance sheet and income statement.
BASIC EARNINGS PER SHARE
(EPS)
YEARS 2016 2017 2018 2019 2020
EPS 17.53 15.91 12.02 6.61 14.81
Formula: Basic EPS = (Net Income – Preferred Dividend) /Number of Common Shares
Outstanding
Interpretation:
In 2020, we can see an increase in EPS compared to 2019 after a constant
decrease since 2016.
A constant increase in the EPS figure is considered to be a good sign for the
company
NET PROFIT MARGIN
YEAR 2016 2017 2018 2019 2020
NP MARIN 18.42 18.60 14.63 7.90 13.23
Formula: Net Profit margin = Net Profit ⁄ Total revenue x 100
Interpretation:
• The past five-year net profit margin does not seem very
exciting. We can see the net profit margin went up from
7.90% in 2019 to 13.23% in 2020. However, the
performance was better in the previous years in 2016 and
2017. We can say that the company is improving its
operations and are getter better at managing their expenses
RETURN ON CAPITAL
EMPLOYED (ROCE)
YEARS 2016 2017 2018 2019 2020
ROCE 3.46 3.75 3.10 2.39 2.60
Formula: ROCE = Earnings Before Interest and Taxes /Capital Employed
Interpretation:
• We see that the bank isn’t doing better than what it was
doing five years back. However, there is a slight increase in
2020’s ROCE compared to 2019
NET INTEREST MARGIN
YEARS 2016 2017 2018 2019 2020
NIM 2.75 2.64 2.48 2.64 2.91
Formula: Net Interest Margin = (Interest Returns – Interest Expense) /Average Total Assets
Interpretation:
• We can observe a slight improvement in the net margin
percentage. The shift shows that the bank is trying to
generate more revenue from interest rate differences
NON-PERFORMING ASSETS
(NPA)
YEARS 2016 2017 2018 2019 2020
NPA 2.67 4.89 4.77 2.06 1.41
Non-performing assets = Gross NPAs – Provisions
Interpretation
We can observe a sharp and continuous decline in ICICI Bank’s
NPA. This is a positive sign indicating that the bank has
improved its risk and credit management practices
RETURN ON ASSETS
YEARS 2016 2017 2018 2019 2020
ROA 1.10 1.03 0.68 0.34 0.69
Formula: ROA = Net Income / Average Assets
Interpretation
Their return on asset exhibited a constant decline until last year.
This does not paint a good picture for the bank. It means that
the bank underperformed for years. High NPA could be one
reason for low ROA.
CONCLUSION
The balance sheet along with the income statement is an important tools for investors and
many other parties who are interested in it to gain insight into a company and its operation.
The balance sheet is a snapshot at a single point of time of the company's accounts covering its
assets. liabilities and shareholder's equity. The purpose of the balance sheet is to give users an
idea of the company's financial position along with displaying what the company owns and
Owes. It is important that all investors know how to use, analyze and read balance sheet.
