ICICI Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	ICICI Bank	HDFC Bank	Axis Bank
Operational Metrics
Banks
Capital to Risks Assets Ratio (CRAR)	15.59 %	19.9 %	16.55 %
Tier I Capital	14.71 %	17.8 %	14.5 %
Tier 2 Capital	0.88 %	2.1 %	2.05 %
Credit Deposit Ratio	91.69 %	98.65 %	91.93 %
Cost To Income Ratio	40.8 %	39.2 %	47.1 %
Fresh Slippages - Quarterly	5356.0 Crs	8600.0 Crs	6007.0 Crs
Net Interest Margin	4.3 %	3.35 %	3.75 %
Yield On Advances	9.08 %	7.8 %	9.86 %
Gross NPA	1.53 %	1.24 %	1.4 %
Net NPA	0.37 %	0.42 %	0.42 %
CASA Ratio	39.0 %	33.6 %	39.0 %
CASA vs Liabilities	23.98 %	23.5 %	0.72 %
NBFC
Cost of Borrowing	4.67 %	4.5 %	5.07 %
Financials
5 yr Average ROE	17.37 %	16.64 %	12.83 %
5yr average Equity Multiplier	9.28	8.63	9.73
5yr Average Asset Turnover Ratio	0.1	0.09	0.08
5yr Avg Net Profit Margin	16.34 %	19.26 %	14.59 %
5yr Avg Net Profit Margin	16.34 %	19.26 %	14.59 %
5yr CAGR Net Profit	22.65 %	17.33 %	31.28 %
5yr CAGR Sales	12.82 %	24.75 %	14.87 %
5 yr CAGR PPOP	12.97 %	12.37 %	13.18 %
Price to Book	2.77	2.53	1.98
P/E	18.27	19.15	15.59
Shareholdings
Promoter Holding	0.0	0.0	8.15 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-25.6 %	-0.04 %
Change in Mutual Fund Holding (3 Yrs)	3.39 %	8.29 %	10.26 %

Business

	ICICI Bank	HDFC Bank	Axis Bank
Segment Break-Up	Segment Break-Up Consumer Finance 32.3 Treasury Operations 26.46 Corporate Banking 17.65 Life Insurance Business 12.31 General Insurance 5.86 Insurance Business 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 5.42	Segment Break-Up Corporate Banking 0 Life Insurance Business 0 Insurance Business 17.25 Retail Banking 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Treasury Operations 0 General Insurance 0 Others 82.75	Segment Break-Up Corporate Banking 0 Life Insurance Business 0 Insurance Business 0 Consumer Finance 62.17 Consumer Finance 0 Corporate Banking 21.52 Treasury Operations 0 General Insurance 0 Others 16.31
Loan Break-Up	Loan Break-Up Loan Against Property 32.3 Business Banking 20.7 Corporate-Domestic 20.1 Personal Loan 8.4 Auto loans 6.6 Rural Finance 5.7 Credit Cards 3.7 Overseas 2.4 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 0.1	Loan Break-Up Services 28.88 Basic Metal & Metal Products 0 Personal Loan 0 Corporate-Domestic 0 Non-banking financial companies (NBFCs) 0 Advances to industries 21.6 Housing 0 Commercial Real Estate 0 Chemical & Chemical products 0 Business Banking 0 Loan Against Property 0 Vehicle Loans 0 SME-Domestic 0 Trade 0 Infrastructure 0 Agricultural 8.19 Overseas 0 Auto loans 0 Rural Finance 0 Credit Cards 0 Others 41.33	Loan Break-Up Services 0 Metals 2.79 Personal Loan 0 Corporate-Domestic 0 NBFC 3.79 Advances to industries eligible 0 Housing 22.52 Commercial Real Estate 3.53 Chemicals 2.58 Business Banking 0 Loan Against Property 0 Auto loans 5.81 SME-Domestic 0 Trading 5.76 Infrastructure 5.13 Agricultural 10.25 Overseas 0 Auto loans 0 Rural Finance 0 Credit Cards 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 India 98.94 Rest of the World 1.06	Location Wise Break-Up India 97.75 Rest of the World 2.25
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 Borrowings outside India 20.39 Bonds & Debentures 0 UNSECURED REDEEMABLE BONDS 0 Banking 12.17 Deposits 0 Commercial Papers 0 Bonds & Debentures 43.46 Capital instruments 0 Other Institutions & Agencies 18.11 Reserve Bank of India 1.0 Financial Institutions & Agencies 0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Bonds 0 Outside India 0	Borrowings Break-Up Borrowings outside India 16.32 Bonds & Debentures 0 UNSECURED REDEEMABLE BONDS 0 Banks 7.38 Deposits 0 Commercial Papers 0 0 Capital instruments 0 Financial Institutions 0 Reserve Bank of India 0 Financial Institutions & Agencies 76.3 0 Bonds 0 Outside India 0
Profit Before Tax	Profit Before Tax Wholesale 34.28 Retail 28.62 Treasury Operations 16.77 General Insurance 4.73 Life Insurance 2.43 Other Banking 1.28 Others 11.89	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 55.03 Debt 14.99 ETF 11.11 Liquid/ Money Market 8.54 Balanced schemes 4.36 Fund of Funds 0 EQUITY 0 FMP 0 Gilt 0 Others 5.97	-	AUM Break-Up - Asset Management Debt 16.16 Fund of Funds 0.85 FMP 0.05 Balanced schemes 0.45 Equity 61.94 Equity 0 Liquid/ Money Market 18.75 Gilt 0.19 ETF 1.62
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 Priority sector Breakup 0 Priority Sector 0 Non-Priority sector Breakup 0 Non Priority Sector 66.37 Non Priority Sector 0 Priority Sector 33.63	Priority vs Non-Priority Sector Priority Sector 37.01 Priority Sector 0 Non Priority Sector 62.99 Non-Priority 0 Non Priority Sector 0 Priority 0
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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