ICICI Bank Ltd. benchmarking: Performance to industry peers

Financial

	ICICI Bank	HDFC Bank	Axis Bank
Operational Metrics
Banks
Net Interest Margin	4.32 %	3.38 %	3.73 %
Yield On Advances	8.87 %	7.8 %	9.86 %
Gross NPA	1.4 %	1.15 %	1.23 %
Net NPA	0.33 %	0.38 %	0.37 %
CASA Ratio	38.6 %	34.1 %	40.0 %
CASA vs Liabilities	24.24 %	24.26 %	28.32 %
Credit Deposit Ratio	85.5 %	94.59 %	92.34 %
Cost To Income Ratio	39.9 %	39.9 %	47.1 %
Fresh Slippages - Quarterly	4242.0 Crs	6200.0 Crs	4709.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.18 %	19.7 %	16.42 %
Tier I Capital	16.35 %	17.3 %	14.38 %
Tier 2 Capital	0.83 %	2.4 %	2.04 %
NBFC
Cost of Borrowing	4.53 %	4.4 %	5.06 %
Financials
5 yr Average ROE	17.37 %	16.22 %	13.95 %
5yr average Equity Multiplier	9.28	8.59	9.61
5yr Average Asset Turnover Ratio	0.1	0.09	0.08
5yr Avg Net Profit Margin	16.34 %	18.25 %	16.0 %
5yr Avg Net Profit Margin	16.34 %	18.25 %	16.0 %
5yr CAGR Net Profit	22.65 %	14.85 %	13.32 %
5yr CAGR Sales	12.82 %	24.19 %	13.5 %
5 yr CAGR PPOP	12.97 %	13.36 %	11.73 %
Price to Book	2.8	2.12	1.89
P/E	18.77	16.37	15.38
Shareholdings
Promoter Holding	0.0	0.0	7.87 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-25.52 %	-0.32 %
Change in Mutual Fund Holding (3 Yrs)	-1.52 %	13.02 %	11.29 %

Business

	ICICI Bank	HDFC Bank	Axis Bank
Segment Break-Up	Segment Break-Up Consumer Finance 30.14 Treasury Operations 25.49 Corporate Banking 17.16 Life Insurance Business 16.71 General Insurance 5.45 Insurance Business 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 5.05	Segment Break-Up General Insurance 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Retail Banking 0 Insurance Business 12.7 Corporate Banking 0 Consumer Finance 0 Life Insurance Business 0 Others 87.3	Segment Break-Up General Insurance 0 Corporate Banking 22.31 Treasury Operations 0 Consumer Finance 61.91 Insurance Business 0 Corporate Banking 0 Consumer Finance 0 Life Insurance Business 0 Others 15.78
Loan Break-Up	Loan Break-Up Loan Against Property 31.09 Business Banking 21.1 Corporate-Domestic 19.06 Personal Loan 8.3 Auto loans 6.5 Rural Finance 6.3 Credit Cards 3.5 Overseas 2.7 SME-Domestic 0 Services 0 Advances to industries eligible 0 Agriculture and allied activities 0 Vehicle Loans 0 Housing 0 Trade 0 Commercial Real Estate 0 Non-banking financial companies (NBFCs) 0 Infrastructure 0 Basic Metal & Metal Products 0 Chemical & Chemical products 0 Others 1.45	Loan Break-Up Overseas 0 SME-Domestic 0 Agricultural 8.19 Personal Loan 0 Vehicle Loans 0 Non-banking financial companies (NBFCs) 0 Chemical & Chemical products 0 Basic Metal & Metal Products 0 Rural Finance 0 Commercial Real Estate 0 Advances to industries 21.6 Services 28.88 Corporate-Domestic 0 Loan Against Property 0 Trade 0 Business Banking 0 Infrastructure 0 Credit Cards 0 Housing 0 Auto loans 0 Others 41.33	Loan Break-Up Overseas 0 SME-Domestic 0 Agricultural 10.25 Personal Loan 0 Auto loans 5.81 NBFC 3.79 Chemicals 2.58 Metals 2.79 Rural Finance 0 Commercial Real Estate 3.53 Advances to industries eligible 0 Services 0 Corporate-Domestic 0 Loan Against Property 0 Trading 5.76 Business Banking 0 Infrastructure 5.13 Credit Cards 0 Housing 22.52 Auto loans 0 Others 37.84
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 2.25 India 97.75
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 Financial Institutions & Agencies 0 Others 31.74	Borrowings Break-Up Banking 12.17 Upper and lower Tier II capital and innovative perpetual debts 4.87 Bonds & Debentures 43.46 Borrowings outside India 20.39 Financial Institutions & Agencies 0 Bonds 0 Commercial Papers 0 Deposits 0 UNSECURED REDEEMABLE BONDS 0 Other Institutions & Agencies 18.11 Outside India 0 Bonds & Debentures 0 Capital instruments 0 Reserve Bank of India 1.0	Borrowings Break-Up Banks 7.38 0 0 Borrowings outside India 16.32 Financial Institutions & Agencies 76.3 Bonds 0 Commercial Papers 0 Deposits 0 UNSECURED REDEEMABLE BONDS 0 Financial Institutions 0 Outside India 0 Bonds & Debentures 0 Capital instruments 0 Reserve Bank of India 0
Profit Before Tax	Profit Before Tax Wholesale 32.82 Retail 32.3 Treasury Operations 17.44 General Insurance 3.35 Life Insurance 3.12 Other Banking 2.34 Others 8.63	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 57.53 Debt 14.8 ETF 12.72 Liquid/ Money Market 9.18 Balanced schemes 4.6 Fund of Funds 0 EQUITY 0 FMP 0 Gilt 0 Others 1.17	-	AUM Break-Up - Asset Management Fund of Funds 1.4 Debt 14.67 Gilt 0.16 Balanced schemes 0.41 ETF 2.93 Liquid/ Money Market 21.93 FMP 0.21 Equity 0 Equity 58.04 Others 0.25
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 Breakup 0 Priority sector Breakup 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non Priority Sector 66.37 Priority Sector 33.63 Non-Priority sector Breakup 0 Priority sector Breakup 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non-Priority 0 Priority 0 Non Priority Sector 62.99 Priority Sector 37.01
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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