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 %	16.64 %	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	2.45	1.97	1.82
P/E	16.4	15.21	14.86
Shareholdings
Promoter Holding	0.0	0.0	8.14 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-25.59 %	-0.02 %
Change in Mutual Fund Holding (3 Yrs)	-1.52 %	11.07 %	10.48 %

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 Treasury Operations 0 General Insurance 0 Insurance Business 12.7 Corporate Banking 0 Consumer Finance 0 Retail Banking 0 Life Insurance Business 0 Corporate/Wholesale Banking 0 Others 87.3	Segment Break-Up Treasury Operations 0 General Insurance 0 Insurance Business 0 Corporate Banking 0 Consumer Finance 0 Consumer Finance 61.91 Life Insurance Business 0 Corporate Banking 22.08 Others 16.01
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 Housing 0 Vehicle Loans 0 Infrastructure 0 Business Banking 0 Personal Loan 0 Chemical & Chemical products 0 Corporate-Domestic 0 Rural Finance 0 Non-banking financial companies (NBFCs) 0 Advances to industries 21.6 Services 28.88 Trade 0 Basic Metal & Metal Products 0 Credit Cards 0 Loan Against Property 0 Agricultural 8.19 Overseas 0 SME-Domestic 0 Commercial Real Estate 0 Auto loans 0 Others 41.33	Loan Break-Up Housing 22.52 Auto loans 5.81 Infrastructure 5.13 Business Banking 0 Personal Loan 0 Chemicals 2.58 Corporate-Domestic 0 Rural Finance 0 NBFC 3.79 Advances to industries eligible 0 Services 0 Trading 5.76 Metals 2.79 Credit Cards 0 Loan Against Property 0 Agricultural 10.25 Overseas 0 SME-Domestic 0 Commercial Real Estate 3.53 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 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 Reserve Bank of India 1.0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Financial Institutions & Agencies 0 Banking 12.17 Deposits 0 Bonds & Debentures 0 Commercial Papers 0 Bonds & Debentures 43.46 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Outside India 0 Other Institutions & Agencies 18.11 Borrowings outside India 20.39 Capital instruments 0	Borrowings Break-Up Reserve Bank of India 0 0 Financial Institutions & Agencies 76.3 Banks 7.38 Deposits 0 Bonds & Debentures 0 Commercial Papers 0 0 Bonds 0 UNSECURED REDEEMABLE BONDS 0 Outside India 0 Financial Institutions 0 Borrowings outside India 16.32 Capital instruments 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 FMP 0.05 Balanced schemes 0.43 Fund of Funds 1.11 Gilt 0.18 Liquid/ Money Market 20.24 Equity 0 Debt 16.1 Equity 59.75 ETF 2.15
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 Non Priority Sector 0 Priority Sector 0 Non-Priority sector Breakup 0 Priority Sector 33.63 Non Priority Sector 66.37	Priority vs Non-Priority Sector Priority Sector 37.01 Non Priority Sector 0 Priority Sector 0 Non Priority Sector 62.99 Priority 0 Non-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.

Financial

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