ICICI Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	ICICI Bank	HDFC Bank	Kotak Mahindra Bank
Operational Metrics
Asset Management
AUM - Mutual Funds	1108032.87 Crs	n/a	580791.59 Crs
% of AUM in equity fund	54.97 %	n/a	60.74 %
5 Yr AUM CAGR - Mutual Funds	22.55 %	n/a	22.98 %
Banks
Capital to Risks Assets Ratio (CRAR)	15.76 %	20.0 %	22.1 %
Tier I Capital	15.11 %	17.9 %	20.9 %
Tier 2 Capital	0.65 %	2.1 %	1.2 %
Credit Deposit Ratio	90.66 %	98.02 %	87.5 %
Cost To Income Ratio	40.6 %	39.2 %	46.8 %
Fresh Slippages - Quarterly	5034.0 Crs	7400.0 Crs	1629.0 Crs
Net Interest Margin	4.3 %	3.27 %	4.54 %
Yield On Advances	9.29 %	7.8 %	n/a
Gross NPA	1.58 %	1.24 %	1.39 %
Net NPA	0.39 %	0.42 %	0.32 %
CASA Ratio	39.2 %	33.9 %	42.3 %
CASA vs Liabilities	24.02 %	23.73 %	31.64 %
NBFC
Cost of Borrowing	4.78 %	4.6 %	4.7 %
Financials
5 yr Average ROE	17.37 %	16.64 %	14.13 %
5yr average Equity Multiplier	9.28	8.63	5.66
5yr Average Asset Turnover Ratio	0.1	0.09	0.12
5yr Avg Net Profit Margin	16.34 %	19.26 %	20.05 %
5yr Avg Net Profit Margin	16.34 %	19.26 %	20.05 %
5yr CAGR Net Profit	22.65 %	17.33 %	17.24 %
5yr CAGR Sales	12.82 %	24.75 %	13.64 %
5 yr CAGR PPOP	12.97 %	12.37 %	15.44 %
Price to Book	2.92	2.8	2.46
P/E	18.41	21.02	22.22
Shareholdings
Promoter Holding	0.0	0.0	25.88 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-25.64 %	-0.08 %
Change in Mutual Fund Holding (3 Yrs)	1.97 %	8.02 %	10.84 %

Business

	ICICI Bank	HDFC Bank	Kotak Mahindra Bank
Loan Break-Up	Loan Break-Up Loan Against Property 32.5 Business Banking 20.5 Corporate-Domestic 19.6 Personal Loan 8.6 Auto loans 6.9 Rural Finance 5.5 Credit Cards 4.1 Overseas 2.3 SME-Domestic 0 Services 0 Advances to industries eligible 0 Agriculture and allied activities 0 Consumer Bank 0 SME 0 Small Business& Credit Cards 0 Home Loans and LAP 0 Auto loans 0 Business Banking 0 Consumer durable 0 Tractor finance 0 Agriculture Division 0 0 Corporate Banking 0	Loan Break-Up Consumer Bank 0 Small Business& Credit Cards 0 Rural Finance 0 Credit Cards 0 Advances to industries 21.6 SME 0 Corporate-Domestic 0 Services 28.88 SME-Domestic 0 Agricultural 8.19 Consumer durable 0 Personal Loan 0 Auto loans 0 Overseas 0 Agriculture Division 0 Corporate Banking 0 Business Banking 0 0 Loan Against Property 0 Tractor finance 0 Home Loans and LAP 0 Others 41.33	Loan Break-Up Consumer Bank 0 Small & Medium Enterprises (SME) loans 2.6 Rural Finance 0 Credit Cards 0 Advances to industries eligible 0 SME 7.77 Corporate-Domestic 0 Services 0 SME-Domestic 0 Agriculture and allied activities 0 Consumer Durable 5.07 Personal Loan 0 Auto loans 0 Overseas 0 Agricultural 5.08 Corporate Banking 22.81 Business Banking 9.99 Commercial Vehicles 9.12 Loan Against Property 0 Tractor finance 3.85 Home loans 28.79 Others 4.92
Segment Break-Up	Segment Break-Up Consumer Finance 32.62 Treasury Operations 27.12 Corporate Banking 16.9 Life Insurance Business 12.35 General Insurance 5.83 Insurance Business 0 Advisory and Transactional Services 0 Treasury, BMU and Corporate Centre 0 Retail Banking 0 Corporate I Wholesale Banking 0 Insurance 0 Vehicle Financing 0 Broking 0 Asset Management 0 Others 5.18	Segment Break-Up Vehicle Financing 0 Corporate I Wholesale Banking 0 Insurance 0 General Insurance 0 Corporate Banking 0 Consumer Finance 0 Retail Banking 0 Life Insurance Business 0 Treasury, BMU and Corporate Centre 0 Broking 0 Advisory and Transactional Services 0 Insurance Business 13.0 Asset Management 0 Treasury Operations 0 Others 87.0	Segment Break-Up Auto Loans 4.01 Corporate Banking 24.74 Insurance 18.73 General Insurance 0 Corporate Banking 0 Consumer Finance 0 Consumer Finance 30.81 Life Insurance Business 0 Treasury Operations 11.57 Broking 4.16 Advisory 0.85 Insurance Business 0 Asset Management 3.04 Treasury Operations 0 Others 2.09
Location Wise Break-Up	Location Wise Break-Up India 97.37 Rest of the World 2.63	Location Wise Break-Up Rest of the World 1.06 India 98.94	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Bonds & Debentures 23.5 Outside India 19.63 Commercial Papers 10.34 Bonds 5.27 Reserve Bank of India 4.92 UNSECURED REDEEMABLE BONDS 2.56 Deposits 2.04 Capital instruments 0 Financial Institutions 0 Banks 0 Borrowings outside India 0 0 0 0 0 Borrowings in India- Other Banks 0 0 Others 31.74	Borrowings Break-Up Reserve Bank of India 1.0 Capital instruments 0 Other Institutions & Agencies 18.11 0 Borrowings in India- Other Banks 0 0 Bonds 0 Commercial Papers 0 UNSECURED REDEEMABLE BONDS 0 Outside India 0 Deposits 0 Bonds & Debentures 0 Banking 12.17 Upper and lower Tier II capital and innovative perpetual debts 4.87 Bonds & Debentures 43.46 0 Borrowings outside India 20.39	Borrowings Break-Up Reserve Bank of India 0 Capital instruments 0 Financial Institutions 0 Borrowings in India- Other Institutions and Agencies 68.74 Borrowings in India- Other Banks 12.79 Reserve Bank of India 11.14 Bonds 0 Commercial Papers 0 UNSECURED REDEEMABLE BONDS 0 Outside India 0 Deposits 0 Bonds & Debentures 0 Banks 0 0 0 Borrowings in India- Other Banks 7.34 Borrowings outside India 0
Profit Before Tax	Profit Before Tax Retail 31.81 Wholesale 28.99 Treasury Operations 20.72 General Insurance 5.42 Life Insurance 1.75 Other Banking 1.44 Others 9.87	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.57 Priority Sector 34.43 Non-Priority 0 Priority 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 66.37 Priority Sector 33.63 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 55.35 Non-Priority 0 Priority 0 Priority Sector 44.65
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 57.54 Debt 15.98 ETF 10.75 Liquid/ Money Market 9.93 Balanced schemes 4.58 EQUITY 0 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0 Others 1.22	-	AUM Break-Up - Asset Management Equity 0 ETF 4.39 Insurance 0 Offshore funds 0 Alternate asset 0 EQUITY 62.23 Debt 17.44 Liquid/ Money Market 14.31 PMS & others 0 Balanced schemes 0 Others 1.63
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
NPA Break-Up	NPA Break-Up Priority Sector 32.79 Personal Loan 30.2 Agricultural 18.56 Services 18.45	-	-

ICICI Bank Ltd.

ICICI Bank Ltd.

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