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ICICI Bank

ICICI Bank's price/earnings (P/E) rose 162% to 60.7 in 2018

By Helgi Library - November 3, 2019

ICICI Bank stock traded at INR 397 per share at the end 2018 implying a market capitalization of USD 36,992 mil. Since the end of 2013,...

ICICI Bank's price/earnings (P/E) rose 162% to 60.7 in 2018

By Helgi Library - November 3, 2019

ICICI Bank stock traded at INR 397 per share at the end 2018 implying a market capitalization of USD 36,992 mil. Since the end of 2013,...

ICICI Bank's npls (as % of loans) fell 21.3% to 7.16% in 2018

By Helgi Library - November 3, 2019

ICICI Bank's non-performing loans reached 7.16% of total loans at the end of 2018, down from 9.09% compared to the previous year....

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR bil	256	276	323
Net Fee Income	INR bil	96.3	113	126
Other Income	INR bil	146	102	76.8
Total Revenues	INR bil	499	491	526
Operating Profit	INR bil	310	381	452
Provisions	INR bil	157	148	176
Net Profit	INR bil	102	77.1	42.5

Balance Sheet		2016	2017	2018
Interbank Loans	INR bil	486	557	493
Customer Loans	INR bil	5,153	5,669	6,470
Total Assets	INR bil	9,857	11,243	12,388
Shareholders' Equity	INR bil	1,095	1,166	1,208
Interbank Borrowing	INR bil	233	254	325
Customer Deposits	INR bil	4,975	5,677	6,574
Issued Debt Securities	INR bil	1,883	2,294	2,103

Ratios		2016	2017	2018
ROE	%	9.85	6.82	3.58
ROA	%	1.07	0.731	0.360
Costs (As % Of Assets)	%	1.99	1.04	0.627
Costs (As % Of Income)	%	37.9	22.3	14.1
Capital Adequacy Ratio	%	17.3	17.9	16.5
Net Interest Margin	%	2.69	2.62	2.73
Loans (As % Of Deposits)	%	104	99.9	98.4
NPLs (As % Of Loans)	%	7.95	9.09	7.16
Provisions (As % Of NPLs)	%	47.0	51.0	50.0

Valuation		2016	2017	2018
Price/Earnings (P/E)		15.8	23.2	60.7
Price/Book Value (P/BV)		1.47	1.53	2.14
Dividend Yield	%	0.903	0.539	0.375
Earnings Per Share (EPS)	INR	15.9	11.9	6.54
Book Value Per Share	INR	170	180	186
Dividend Per Share	INR	2.27	1.49	1.49

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR bil												163	196	224	250	256
Total Revenues	INR bil												284	333	383	438	499
Operating Profit	INR bil												148	172	200	295	310
Net Profit	INR bil												96.0	110	122	102	102
balance sheet
Interbank Loans	INR bil												301	262	218	378	486
Customer Loans	INR bil												3,300	3,873	4,385	4,937	5,153
Debt Securities	INR bil												2,557	2,676	3,028	2,860	3,044
Total Assets	INR bil												6,748	7,478	8,261	9,188	9,857
Shareholders' Equity	INR bil												705	784	872	975	1,095
Interbank Borrowing	INR bil												181	180	173	184	233
Customer Deposits	INR bil												3,010	3,468	3,739	4,375	4,975
Issued Debt Securities	INR bil												1,729	1,835	2,113	2,204	1,883
ratios
ROE	%												14.4	14.8	14.8	11.0	9.85
ROA	%												1.48	1.55	1.56	1.17	1.07
Costs (As % Of Assets)	%												2.10	2.27	2.33	1.64	1.99
Costs (As % Of Income)	%												47.9	48.5	47.8	32.6	37.9
Capital Adequacy Ratio	%					...	...						19.7	18.3	17.2	16.6	17.3
Net Interest Margin	%												2.52	2.75	2.84	2.86	2.69
Interest Income (As % Of Revenues)	%												57.6	58.7	58.4	57.0	51.4
Fee Income (As % Of Revenues)	%												22.1	22.0	21.9	20.0	19.3
Equity (As % Of Assets)	%												10.4	10.5	10.6	10.6	11.1
Loans (As % Of Deposits)	%												110	112	117	113	104
Loans (As % Assets)	%												48.9	51.8	53.1	53.7	52.3
NPLs (As % Of Loans)	%	...	...	...	...	...	...						2.84	1.93	3.82	5.75	7.95
Provisions (As % Of NPLs)	%	...	...	...	...	...	...						89.4	120	71.1	54.8	47.0
valuation
Market Capitalisation (End Of Period)	USD mil												22,006	23,269	29,012	20,747	23,730
Number Of Shares (Average)	mil												6,366	6,374	6,426	6,424	6,427
Share Price (End Of Period)	INR												189	226	285	214	251
Earnings Per Share (EPS)	INR												15.1	17.3	19.1	15.8	15.9
Book Value Per Share	INR												111	123	136	152	170
Dividend Per Share	INR												3.62	4.17	4.51	4.53	2.27
Price/Earnings (P/E)													12.6	13.0	14.9	13.5	15.8
Price/Book Value (P/BV)													1.71	1.83	2.10	1.41	1.47
Dividend Yield	%												1.91	1.85	1.58	2.11	0.903
Earnings Per Share Growth	%	...											25.5	14.8	10.0	-16.9	0.037
Book Value Per Share Growth	%	...											12.2	11.2	10.3	11.8	12.3

income statement	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR bil												446	493	547	590	605
Interest Cost	INR bil												283	297	323	340	348
Net Interest Income	INR bil												163	196	224	250	256
Net Fee Income	INR bil												62.8	73.2	83.9	87.7	96.3
Other Income	INR bil												57.6	64.2	75.5	101	146
Total Revenues	INR bil												284	333	383	438	499
Operating Cost	INR bil												136	161	183	143	189
Operating Profit	INR bil												148	172	200	295	310
Provisions	INR bil												15.5	24.8	36.3	77.2	157
Extra and Other Cost	INR bil												-3.75	-15.9	-19.8	75.0	14.3
Pre-Tax Profit	INR bil												136	163	183	143	138
Tax	INR bil												34.8	46.0	53.9	33.8	24.7
Minorities	INR bil												5.26	6.36	6.95	7.47	11.5
Net Profit	INR bil												96.0	110	122	102	102
Dividends	INR bil												23.1	26.6	29.0	29.1	14.6
growth rates
Net Interest Income Growth	%	...											26.6	19.8	14.3	11.6	2.72
Net Fee Income Growth	%	...											-0.613	16.7	14.6	4.48	9.86
Total Revenue Growth	%	...											20.1	17.5	15.0	14.3	14.0
Operating Cost Growth	%	...											27.1	18.9	13.5	-22.1	32.7
Operating Profit Growth	%	...											14.4	16.1	16.4	47.7	4.95
Pre-Tax Profit Growth	%	...											27.4	19.6	12.6	-22.0	-3.46
Net Profit Growth	%	...											25.7	15.0	10.9	-16.9	0.083
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...		12.0	12.4	12.6	13.0	12.4		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...		16.2	20.5	22.5	24.7	...	...	...

balance sheet	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR bil												193	221	258	273	319
Interbank Loans	INR bil												301	262	218	378	486
Customer Loans	INR bil												3,300	3,873	4,385	4,937	5,153
Debt Securities	INR bil												2,557	2,676	3,028	2,860	3,044
Fixed Assets	INR bil												59.5	59.8	63.8	92.6	98.9
Total Assets	INR bil												6,748	7,478	8,261	9,188	9,857
Shareholders' Equity	INR bil												705	784	872	975	1,095
Of Which Minority Interest	INR bil												17.1	20.1	25.1	33.6	48.7
Liabilities	INR bil												6,044	6,693	7,389	8,213	8,762
Interbank Borrowing	INR bil												181	180	173	184	233
Customer Deposits	INR bil												3,010	3,468	3,739	4,375	4,975
Sight Deposits	INR bil												360	419	467	564	715
Term Deposits	INR bil												2,650	3,049	3,272	3,811	4,260
Issued Debt Securities	INR bil												1,729	1,835	2,113	2,204	1,883
Other Liabilities	INR bil												1,124	1,211	1,364	1,450	1,670
asset quality
Non-Performing Loans	INR bil	...	...	...	...	...	...						96.1	76.5	172	293	426
Gross Loans	INR bil												3,386	3,965	4,508	5,098	5,353
Total Provisions	INR bil	...	...	...	...	...							85.9	91.5	123	161	200
growth rates
Customer Loan Growth	%	...											13.0	17.4	13.2	12.6	4.37
Total Asset Growth	%	...											8.97	10.8	10.5	11.2	7.29
Shareholders' Equity Growth	%	...											12.4	11.3	11.2	11.8	12.3
Customer Deposit Growth	%	...											11.4	15.2	7.84	17.0	13.7
market share
Market Share in Customer Loans	%	...	...	...									5.97	6.03	6.18	6.19	6.24		...
Market Share in Total Assets	%												7.77	7.39	7.42	7.28	6.94		...
Market Share in Customer Deposits	%												4.78	4.82	4.58	4.79	4.67		...

ratios	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%												14.4	14.8	14.8	11.0	9.85
ROA	%												1.48	1.55	1.56	1.17	1.07
Costs (As % Of Assets)	%												2.10	2.27	2.33	1.64	1.99
Costs (As % Of Income)	%												47.9	48.5	47.8	32.6	37.9
Capital Adequacy Ratio	%					...	...						19.7	18.3	17.2	16.6	17.3
Tier 1 Ratio	%					...	...						12.9	13.1	12.9	13.1	14.4
Net Interest Margin	%												2.52	2.75	2.84	2.86	2.69
Interest Spread	%	...											2.02	2.26	2.36	2.40	2.25
Asset Yield	%												6.89	6.93	6.95	6.76	6.35
Cost Of Liabilities	%	...											4.87	4.67	4.59	4.36	4.10
Payout Ratio	%												24.0	24.1	23.7	28.6	14.3
Interest Income (As % Of Revenues)	%												57.6	58.7	58.4	57.0	51.4
Fee Income (As % Of Revenues)	%												22.1	22.0	21.9	20.0	19.3
Other Income (As % Of Revenues)	%												20.3	19.3	19.7	23.0	29.3
Equity (As % Of Assets)	%												10.4	10.5	10.6	10.6	11.1
Loans (As % Of Deposits)	%												110	112	117	113	104
Loans (As % Assets)	%												48.9	51.8	53.1	53.7	52.3
NPLs (As % Of Loans)	%	...	...	...	...	...	...						2.84	1.93	3.82	5.75	7.95
Provisions (As % Of NPLs)	%	...	...	...	...	...	...						89.4	120	71.1	54.8	47.0
Provisions (As % Of Loans)	%	...	...	...	...	...							2.60	2.36	2.80	3.25	3.88
Cost of Provisions (As % Of Loans)	%												0.499	0.692	0.879	1.66	3.12

other data	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...											62,065	72,226	67,857	72,175	...	...	...
Sight (As % Of Customer Deposits)	%												11.9	12.1	12.5	12.9	14.4

Get all company financials in excel:

Download Sample $19.99

ICICI Bank in Numbers
Annual (2001 - 2018)

Nov 2019

Statistical Dossier

$19.99

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More Charts

ICICI Bank's npls (as % of loans) fell 21.3% to 7.16% in 2018

By Helgi Library - November 3, 2019

ICICI Bank's non-performing loans reached 7.16% of total loans at the end of 2018, down from 9.09% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.09% in 2017 and an all time low of 1.93% in 2013. Provision coverage amou...

ICICI Bank's net interest margin rose 4.46% to 2.73% in 2018

By Helgi Library - November 3, 2019

ICICI Bank's net interest margin amounted to 2.73% in 2018, up from 2.62% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.86% in 2015 and an all time low of 1.45% in 2002. The average margin in t...

ICICI Bank's net interest margin rose 4.46% to 2.73% in 2018

By Helgi Library - November 3, 2019

ICICI Bank's share price (end of period) rose 43.7% to INR 397 in 2018

By Helgi Library - November 3, 2019

ICICI Bank stock traded at INR 397 per share at the end of 2018 implying a market capitalization of USD 36,992 mil. Since the end of 2013, the stock has appreciated by 75.8 % implying an annual average growth of 11.9 %. In absolute terms, the value of the company ...

ICICI Bank's share price (end of period) rose 43.7% to INR 397 in 2018

By Helgi Library - November 3, 2019

ICICI Bank's net interest income rose 17.0% to INR 323 bil in 2018

By Helgi Library - November 3, 2019

ICICI Bank generated total banking revenues of INR 526 bil in 2018, up 7.1% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 526 bil in 2018 and an all tim...

ICICI Bank's net interest income rose 17.0% to INR 323 bil in 2018

By Helgi Library - November 3, 2019

ICICI Bank's net profit fell 44.8% to INR 42.5 bil in 2018

By Helgi Library - November 3, 2019

ICICI Bank made a net profit of INR 42.5 bil under revenues of INR 526 bil in 2018, up -44.8% and 7.10% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of INR 122 bil in 2014 and an all time low of INR 2.59 bil...

ICICI Bank's net profit fell 44.8% to INR 42.5 bil in 2018

By Helgi Library - November 3, 2019

ICICI Bank's capital adequacy ratio fell 7.99% to 16.5% in 2018

By Helgi Library - November 3, 2019

ICICI Bank's capital adequacy ratio reached 16.5% at the end of 2018, down from 17.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 19.9% in 2010 and an all time low of 10.4% in 2003. The Tier 1 ratio amounted t...

More News

Finance

ICICI Bank has been growing its revenues and asset by 8.96% and 9.88% a year on average in the last 10 years. Its loans and deposits have grown by 9.29% and 10.4% a year during that time and loans to deposits ratio reached 98.4% at the end of 2018. The company achieved an average return on equity of 10.9% in the last decade with net profit growing 1.75% a year on average. In terms of operating efficiency, its cost to income ratio reached 14.1% in 2018, compared to 36.5% average in the last decade.

Equity represented 9.75% of total assets or 18.7% of loans at the end of 2018. ICICI Bank's non-performing loans were 7.16% of total loans while provisions covered some 50.0% of NPLs at the end of 2018.

Valuation

ICICI Bank stock traded at INR 397 per share at the end of 2018 resulting in a market capitalization of USD 36,992 mil. Over the previous five years, stock price rose by 75.8% or 11.9% a year on average. That’s compared to an average ROE of 9.21% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 60.7x and price to book value (PBV) of 2.14x in 2018.

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Bank Equity (As % of Bank Assets) fell 3.24% to 6.32% in Poland in 2023

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Non-Performing Loans (As % of Total Loans) fell 4.45% to 2.32% in Poland in 2023

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Finance

Valuation

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