ICICI Bank Company Analysis

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Company Profile

ICICI Bank is one of the first Generation Bank, which receives license with HDFC Bank, UTI Bank which renamed axis Bank, Oriental Bank of Commerce, Development credit Bank, Indusind Bank, Times bank, Centurion Bank, Bank of Punjab. Around 1994. The parent company ICICI or Industrial Credit and Investment Corporation of India, setup in 1955. It was joint venture of World Bank, Insurance Companies and Public sector banks.

IN 2001, The parent company was merge with the bank with its 2 wholy owned subsidiary.

The bank went public in 1998. As of today the stock of the bank is listed on New York Stock Exchange, NSE and BSe. It is also part of Sensex and Nifty.

The bank is offering venture Capital, Asset Management, Retail Banking, Wholesale Banking, Investment Banking, Life insurance, General insurance, Private Equity. The bank has big network of branches in India. More than 4500 branches and 14500 ATM.

Share Holding Pattern

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Financials and Ratios

ICICI Bank

 2010-112011-122012-132013-142014-152015-16
Loan book (₹ billion) 2163.652537.282902.493387.033875.224352.64
ROE9.3510.7012.4813.3913.8911.19
ROA1.261.371.551.641.721.34
EPS45.0655.9571.9384.6519.1316.65
Efficiency Ratio32.2228.6728.6731.3032.7039.40
Dividend per share1416.5202355
Tier 1 Capital 1312.6812.8012.7812.7813.09
CASA 43.4541.8942.8945.4645.82
Net NPA to Loan Book (%) 111123

Future Prospect

As a pioneer of many new concepts in Indian financial industry, the company management is keen to take risk. It is also market friendly. But sometimes it did not went as per the company was planning. From 3i InfoPath to infrastructure lending. It only make worse to them.

Even though ICICI Bank is Pioneer of Retail Banking, the leader in this space is HDFC Bank. All Because of it, earnings offtake and NPA was always issue for it.

By and large it is wholesale banking company. The risk associated with wholesale banks and high default is also attached with them. But ICICI bank is well diversified. From home loan to ICICI direct. Gold loan, ICICI prudential life insurance to ICICI Lombard general insurance, To mutual funds.

It is the company where you can invest for future as financial literacy and financial Inclusion will take place, the demand for the product will also increase. Best thing for ICICI is the cost, which is is going to reduce due to high CASA ratio. The bank is showing healthy growth in loan book also.

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About Ashutosh Tilak

Tracking Indian Capital Market since 2010. Finance Student, On this blog I am writing about finance and Investing. You can contact me analystashu@gmail.com or @androidashu & @InsideFinanc on twitter