ICICI Bank Ltd.

Financial

	ICICI Bank	HDFC Bank	Kotak Mahindra Bank
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	910281.16 Crs	n/a	482631.74 Crs
% of AUM in equity fund	54.61 %	n/a	59.69 %
5 Yr AUM CAGR - Mutual Funds	22.55 %	n/a	22.98 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.55 %	19.6 %	22.8 %
Tier I Capital	15.94 %	17.7 %	21.7 %
Tier 2 Capital	0.61 %	1.9 %	1.1 %
Credit Deposit Ratio	86.54 %	96.5 %	87.4 %
Cost To Income Ratio	37.9 %	39.8 %	47.24 %
Fresh Slippages - Quarterly	5142.0 Crs	7500.0 Crs	1657.0 Crs
Net Interest Margin	4.41 %	3.54 %	4.93 %
Yield On Advances	9.86 %	8.4 %	n/a
Gross NPA	1.67 %	1.33 %	1.5 %
Net NPA	0.39 %	0.43 %	0.41 %
CASA Ratio	38.4 %	34.8 %	42.3 %
CASA vs Liabilities	23.86 %	24.16 %	31.44 %
NBFC
Cost of Borrowing	5.18 %	4.9 %	5.06 %
Financials
5 yr Average ROE	15.43 %	16.92 %	13.84 %
5yr average Equity Multiplier	9.84	8.74	5.86
5yr Average Asset Turnover Ratio	0.1	0.09	0.11
5yr Avg Net Profit Margin	14.15 %	19.96 %	19.32 %
5yr Avg Net Profit Margin	14.15 %	19.96 %	19.32 %
5yr CAGR Net Profit	35.85 %	18.64 %	16.21 %
5yr CAGR Sales	9.52 %	22.64 %	13.36 %
5 yr CAGR PPOP	13.8 %	14.38 %	13.07 %
Price to Book	3.25	2.8	2.98
P/E	19.97	20.64	19.46
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	-25.78 %	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	1.01 %	8.95 %	8.08 %

Business

	ICICI Bank	HDFC Bank	Kotak Mahindra Bank
Loan Break-Up	Loan Break-Up Loan Against Property 32.1 Corporate-Domestic 20.4 Business Banking 19.2 Personal Loan 8.9 Auto loans 7.1 Rural Finance 5.7 Credit Cards 4.2 Overseas 2.2 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 Others 0.2	Loan Break-Up Agricultural 7.45 0 Small Business& Credit Cards 0 Business Banking 0 Consumer Bank 0 SME 0 Auto loans 0 SME-Domestic 0 Services 30.57 Home Loans and LAP 0 Corporate-Domestic 0 Agriculture Division 0 Rural Finance 0 Overseas 0 Personal Loan 0 Corporate Banking 0 Loan Against Property 0 Consumer durable 0 Tractor finance 0 Advances to industries 21.31 Credit Cards 0 Others 40.67	Loan Break-Up Agriculture and allied activities 0 Commercial Vehicles 9.4 Small & Medium Enterprises (SME) loans 3.26 Business Banking 9.62 Consumer Bank 0 SME 7.78 Auto loans 0 SME-Domestic 0 Services 0 Home loans 28.08 Corporate-Domestic 0 Agricultural 6.36 Rural Finance 0 Overseas 0 Personal Loan 0 Corporate Banking 22.3 Loan Against Property 0 Consumer Durable 4.91 Tractor finance 3.92 Advances to industries eligible 0 Credit Cards 0 Others 4.37
Segment Break-Up	Segment Break-Up Consumer Finance 31.42 Treasury Operations 26.9 Corporate Banking 16.66 Life Insurance Business 15.05 General Insurance 5.0 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 4.97	Segment Break-Up Corporate Banking 0 Insurance 0 Life Insurance Business 0 Treasury Operations 0 Asset Management 0 General Insurance 0 Advisory and Transactional Services 0 Consumer Finance 0 Corporate I Wholesale Banking 0 Vehicle Financing 0 Broking 0 Retail Banking 0 Insurance Business 14.65 Treasury, BMU and Corporate Centre 0 Others 85.35	Segment Break-Up Corporate Banking 0 Insurance 16.53 Life Insurance Business 0 Treasury Operations 0 Asset Management 2.57 General Insurance 0 Advisory 1.7 Consumer Finance 0 Corporate Banking 23.26 Auto Loans 4.02 Broking 4.43 Consumer Finance 33.78 Insurance Business 0 Treasury Operations 11.73 Others 1.98
Location Wise Break-Up	Location Wise Break-Up India 96.84 Rest of the World 3.16	Location Wise Break-Up India 98.86 Rest of the World 1.14	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Bonds & Debentures 25.32 Outside India 23.94 Commercial Papers 8.34 UNSECURED REDEEMABLE BONDS 2.34 Deposits 1.84 Reserve Bank of India 1.26 Capital Markets 0.2 Bonds and notes 0 Financial Institutions 0 Banks 0 Borrowings outside India 0 0 0 0 0 Borrowings in India- Other Banks 0 0 Others 36.76	Borrowings Break-Up Bonds and notes 0 Borrowings in India- Other Banks 0 0 Reserve Bank of India 0.62 Other Institutions & Agencies 20.31 Borrowings outside India 14.92 Outside India 0 Bonds & Debentures 0 Capital Markets 0 Upper and lower Tier II capital and innovative perpetual debts 4.19 Commercial Papers 0 0 Banking 18.94 0 Deposits 0 Bonds & Debentures 41.01 UNSECURED REDEEMABLE BONDS 0 Others 0.01	Borrowings Break-Up Bonds and notes 0 Borrowings in India- Other Banks 25.8 Borrowings in India- Other Institutions and Agencies 64.35 Reserve Bank of India 0 Financial Institutions 0 Borrowings outside India 0 Outside India 0 Bonds & Debentures 0 Capital Markets 0 0 Commercial Papers 0 Borrowings in India- Other Banks 9.85 Banks 0 0 Deposits 0 0 UNSECURED REDEEMABLE BONDS 0
Profit Before Tax	Profit Before Tax Retail 32.82 Wholesale 28.06 Treasury Operations 22.56 General Insurance 3.38 Life Insurance 2.09 Other Banking 2.07 Others 9.02	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.65 Priority Sector 31.35 Non-Priority 0 Priority 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 68.7 Priority Sector 0 Priority Sector 31.3	Priority vs Non-Priority Sector Non Priority Sector 55.35 Non-Priority 0 Priority Sector 44.65 Priority 0
NPA Break-Up	NPA Break-Up Priority Sector 44.16 Personal Loan 24.84 Services 17.85 Agricultural 13.14 Others 0.01	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 56.85 Debt 16.93 Liquid/ Money Market 10.37 ETF 10.08 Balanced schemes 4.63 EQUITY 0 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0 Others 1.14	-	AUM Break-Up - Asset Management Insurance 0 Alternate asset 0 Balanced schemes 0 Debt 18.14 ETF 3.47 PMS & others 0 Liquid/ Money Market 14.68 EQUITY 61.76 Offshore funds 0 Equity 0 Others 1.95

ICICI Bank Ltd.

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