ANALYSIS & INTERPRETATIONS OF ANNUAL REPORT

SUBMITTED BY :

GOSSPY THAKUR

Go Green Initiative Instabanking Vehicle Finance Vehicle Finance

Group Anti Money Laundering Policy The ICICI Group AML Policy establishes the standards of AML compliance and is applicable to all activities. Code of Conduct ICICI Bank has formulated a Code of Business Conduct and Ethics for its directors and employees.

The consideration for the amalgamation was 25 equity shares of ICICI Bank of the face value of 10 each fully paid-up for every 118 equity shares of Rs. 10 each of Bank of Rajasthan.  BENEFITS: PROFITS : PENETRATION: GOOD WILL:

Introduction of Base Rate system. Change in Methodology for Computing Interest Payable on Savings Deposits. Amalgamation of The Bank of Rajasthan.

WHISTLE BLOWER POLICY Green initiative

PROFITABILITY RATIOS NET PROFIT MARGIN RETURN ON NETWORTH RETURN ON LONG TERM FUND

FY 2011 15.91 9.35 42.97

FY 2010 12.17 7.79 44.72

INTERPRETATION
NET PROFIT MARGIN has increased from 12.17 to 15.91. It indicates that company has lot of reserves which can pay off all the expenses.

LIQUIDIT FY 2011 Y RATIO CURRENT 0.11 RATIO QUICK 15.86 RATIO

FY2010 0.14 14.70

CAPITAL STRUCTURE RATIO EARNING PER SHARE(RS) DIVIDEND PER SHARE(RS) OPERATING PROFIT PER SHARE

FY 2011 FY 2010 44.73 14 64.08 36.10 12 49.80

INTERPRETATION
Current ratio is those ratio in which current asset is deducted by current liabilities to get the financial position of the company. The base of current ratio is 2:1 i.e. if the companys current ratio is less than 1 than it means that the companys assets are not sufficient for paying off the liabilities

INTERPRETATION
The portion of a company's profit allocated to each outstanding share of common stock. Earnings per share serve as an indicator of a company's profitability. As we can see that ICICI banks earnings per share are 44.73 as compared to previous years earning per share. Companies dividend policy is also in a good condition .

Disclosure on materially significant related party transaction that may have potential conflict with the interest of the company at large:

Details of non-compliance by the company penalties, strictures, imposed on the company by stock exchange or by SEBI or any statutory authority, on any matter related to capital market during the last three years:

Disclosure of adoption/non-adoption of mandatory/ non-mandatory requirement:

All things considered, the ICICI BANK is far ahead of many of the nationalized banks.