ICICI Bank Ltd.

Financial

	ICICI Bank	HDFC Bank	Kotak Mahindra Bank
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	1018984.03 Crs	n/a	547589.81 Crs
% of AUM in equity fund	55.08 %	n/a	60.38 %
5 Yr AUM CAGR - Mutual Funds	22.55 %	n/a	22.98 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	16.31 %	19.9 %	23.7 %
Tier I Capital	15.65 %	17.8 %	22.7 %
Tier 2 Capital	0.66 %	2.1 %	1.0 %
Credit Deposit Ratio	88.08 %	95.09 %	86.7 %
Cost To Income Ratio	37.8 %	39.6 %	46.19 %
Fresh Slippages - Quarterly	6245.0 Crs	9000.0 Crs	1812.0 Crs
Net Interest Margin	4.34 %	3.35 %	4.65 %
Yield On Advances	9.53 %	8.1 %	n/a
Gross NPA	1.67 %	1.4 %	1.48 %
Net NPA	0.41 %	0.47 %	0.34 %
CASA Ratio	38.7 %	33.9 %	40.9 %
CASA vs Liabilities	23.8 %	23.7 %	30.44 %
NBFC
Cost of Borrowing	5.02 %	4.8 %	5.01 %
Financials
5 yr Average ROE	15.43 %	16.64 %	14.13 %
5yr average Equity Multiplier	9.84	8.63	5.66
5yr Average Asset Turnover Ratio	0.1	0.09	0.12
5yr Avg Net Profit Margin	14.15 %	19.26 %	20.05 %
5yr Avg Net Profit Margin	14.15 %	19.26 %	20.05 %
5yr CAGR Net Profit	35.85 %	17.33 %	17.24 %
5yr CAGR Sales	9.52 %	24.75 %	13.64 %
5 yr CAGR PPOP	13.8 %	12.37 %	15.44 %
Price to Book	3.19	2.85	2.52
P/E	19.87	21.88	20.68
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	-25.73 %	-0.09 %
Change in Mutual Fund Holding (3 Yrs)	0.43 %	7.58 %	9.36 %

Business

	ICICI Bank	HDFC Bank	Kotak Mahindra Bank
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 Asset Management 0 Corporate I Wholesale Banking 0 General Insurance 0 Broking 0 Insurance Business 16.57 Treasury Operations 0 Consumer Finance 0 Insurance 0 Life Insurance Business 0 Corporate Banking 0 Retail Banking 0 Vehicle Financing 0 Advisory and Transactional Services 0 Treasury, BMU and Corporate Centre 0 Others 83.43	Segment Break-Up Asset Management 3.0 Corporate Banking 21.69 General Insurance 0 Broking 3.77 Insurance Business 0 Treasury Operations 0 Consumer Finance 0 Insurance 22.39 Life Insurance Business 0 Corporate Banking 0 Consumer Finance 29.93 Auto Loans 3.76 Advisory 0.78 Treasury Operations 12.83 Others 1.85
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 Services 28.88 0 Agriculture Division 0 Business Banking 0 Tractor finance 0 Rural Finance 0 Agricultural 8.19 SME-Domestic 0 Auto loans 0 Credit Cards 0 Advances to industries 21.6 Loan Against Property 0 Personal Loan 0 Small Business& Credit Cards 0 Consumer Bank 0 Corporate-Domestic 0 Consumer durable 0 SME 0 Overseas 0 Corporate Banking 0 Home Loans and LAP 0 Others 41.33	Loan Break-Up Services 0 Commercial Vehicles 9.36 Agricultural 5.49 Business Banking 9.69 Tractor finance 3.89 Rural Finance 0 Agriculture and allied activities 0 SME-Domestic 0 Auto loans 0 Credit Cards 0 Advances to industries eligible 0 Loan Against Property 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 2.82 Consumer Bank 0 Corporate-Domestic 0 Consumer Durable 5.31 SME 7.58 Overseas 0 Corporate Banking 22.4 Home loans 28.66 Others 4.8
Location Wise Break-Up	Location Wise Break-Up India 96.84 Rest of the World 3.16	Location Wise Break-Up India 98.94 Rest of the World 1.06	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 & Debentures 43.46 Outside India 0 0 Bonds and notes 0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Other Institutions & Agencies 18.11 0 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 20.39 Borrowings in India- Other Banks 0 Banking 12.17 Deposits 0 Commercial Papers 0 Reserve Bank of India 1.0 0 Bonds & Debentures 0 Capital Markets 0	Borrowings Break-Up 0 Outside India 0 Borrowings in India- Other Banks 7.34 Bonds and notes 0 0 Financial Institutions 0 Borrowings in India- Other Institutions and Agencies 68.74 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 0 Borrowings in India- Other Banks 12.79 Banks 0 Deposits 0 Commercial Papers 0 Reserve Bank of India 0 Reserve Bank of India 11.14 Bonds & Debentures 0 Capital Markets 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	-	-
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 Debt 17.95 Balanced schemes 0 Insurance 0 Offshore funds 0 EQUITY 61.3 Alternate asset 0 Equity 0 PMS & others 0 Liquid/ Money Market 14.82 ETF 4.29 Others 1.64
NPA Break-Up	NPA Break-Up Priority Sector 44.16 Personal Loan 24.84 Services 17.85 Agricultural 13.14 Others 0.01	-	-
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 Priority Sector 0 Priority Sector 33.63 Non Priority Sector 0 Non Priority Sector 66.37	Priority vs Non-Priority Sector Priority Sector 44.65 Priority 0 Non Priority Sector 55.35 Non-Priority 0

ICICI Bank Ltd.

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