icici bank projections

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Where will be ICICI in next 5 years.

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Page 1: ICICI Bank Projections

Presented By:Arpan Shah

Page 2: ICICI Bank Projections

Chanda KochharMD & CEO

K V KamathChairman

Page 3: ICICI Bank Projections

It is the second largest bank in India by assets and third largest by market capitalization.

The Bank has a network of 2,883 branches and 10,021 ATM's in India

Presence in 19 countries, including India.United Kingdom, Russia, and Canada etc.

Currently Market Price around 1170 Rs on BSE

Introduction

Page 4: ICICI Bank Projections

1955 The Industrial Credit and Investment Corporation of India Limited (ICICI) was incorporated at the initiative of World Bank, the Government of India and representatives of Indian industry, with the objective of creating a development financial institution for providing medium-term and long-term project financing to Indian businesses.

1994 ICICI established Banking Corporation as a banking subsidiary.

Later, ICICI Banking Corporation was renamed as 'ICICI Bank Limited'.

History

Page 5: ICICI Bank Projections

1997

The bank introduced electronic funds transfer facility.

The Bank offered 150,00,000 No. of equity shares of Rs 10 each a premium of Rs 25 per share to ICICI.

The Bank offered for sale 412,50,200 No. of equity shares of Rs 10 each at a price of Rs 35 per share

1998

- ICICI Bank, introduced Internet banking in India.

Page 6: ICICI Bank Projections

2000

ICICI Bank became the first Indian bank to list on the New York Stock Exchange with its $175-million American depository shares issue .

The Bank of Madura (BOM) got merged with ICICI Bank.

ICICI Bank has become one of the largest private sector banks in India.

Page 7: ICICI Bank Projections

Historic Data

Page 8: ICICI Bank Projections
Page 9: ICICI Bank Projections

5 x

Page 10: ICICI Bank Projections

5 x

Page 11: ICICI Bank Projections

5 x

Page 12: ICICI Bank Projections

Net Interest Income  2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Net Interest Income

14.45 21.85 29.32 39.07 56.37 73.04 83.67 81.14 90.17 107.3

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

14.4521.85

29.32

39.07

56.37

73.04

83.67 81.1490.17

107.3

Net Interest Income

8 x

Page 13: ICICI Bank Projections

Earnings per Share  2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Earnings Per Share

19.7 26.7 27.6 32.5 34.8 39.4 33.8 36.1 45.3 56.1

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

19.7

26.7 27.632.5

34.839.4

33.836.1

45.3

56.1

Earnings Per Share

3 x

Page 14: ICICI Bank Projections

Total Assets  2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Total Assets

1068.1 1252.29 1676.59 2513.89 3446.58 3997.95 3793.01 3634 4062.34 4736.47

1 2 3 4 5 6 7 8 9 10

1068.121252.29

1676.59

2513.89

3446.58

3997.953793.01 3634

4062.34

4736.47

Total Assets

4.5 x

Page 15: ICICI Bank Projections

Equity Capital & Reserves  2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Equity Capital & Reserves

69.33 80.1 125.5 222.06 243.13 464.71 495.33 516.18 550.9 604.1

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

69.33 80.1125.5

222.06 243.13

464.71495.33 516.18

550.9604.1

Equity Capital & Reseves

9 x

Page 16: ICICI Bank Projections

Capital Adequacy Ratio  2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Capital Adequacy

Ratio11.1% 10.4% 11.8% 13.4% 11.7% 14.0% 15.5% 19.4% 19.5% 18.5%

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

11.1% 10.4%11.8%

13.4%11.7%

14.0%15.5%

19.4% 19.5% 18.5%

Capital Adequacy Ratio

70%

Page 17: ICICI Bank Projections

Non Performing Assets  2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2019-10 2010-11

NPA 8.72 4.7 4.27 1.51 2.08 3.3 4.32 6.52 5.8

2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2019-10 2010-11

8.72

4.74.27

1.512.08

3.3

4.32

6.525.8

NPA -40%

Page 18: ICICI Bank Projections

MARKET CAP 129,527.06 Cr P/E 16.35 Net worth 60,405.25 Cr DIV (%) 165.00% EPS 68.68

Net profit for 3rd quarter 2012 rose to Rs. 2,250 crore against Rs. 1,728 crore in the corresponding quarter a year ago

30% increase

Current Scenario

Page 19: ICICI Bank Projections

Advances increased by 16%

From 2,46,157 crore to 2,86,766 crore

The year-on-year growth in retail advances was 17%

Credit growth

Page 20: ICICI Bank Projections

The Bank maintained its current and savings account (CASA) ratio at 40.9% as compared to 40.7% of previous quarter.

Savings account deposits were 81,463 crore

Current account deposits were 35,674 crore

CASA deposits increased by 2,718 crore

Deposit Growth

Page 21: ICICI Bank Projections

  1QY13 4QY12

Treasury -21 158

     

Advances 268,430 253,728

Deposits 267,794 255,500

Credit-to-Deposit Ratio(%) 100.2 99.3

     

Current deposits (cr) 30,754 34,973

Saving deposits (cr) 77,923 76,046

CASA deposits 1,08,677 1,11,019

CASA Ratio(%) 40.6 43.5

     

Gross NPAs(Cr) 9,817 9,475

(%) 3.5 3.6

Page 22: ICICI Bank Projections

Basel Norms

  Under Basel II

Under Basel III

Capital Adequacy Ratio Requirement 8% 10.50%

Page 23: ICICI Bank Projections

Capital Adequacy Ratio

Capital adequacy as at December 31, 2012

INR in billions

Tier - 1 capital 570.76

Tier - 2 capital 270.52

Total capital funds of the Bank 841.28

Total capital required 387.73

Tier -1 Capital Adequacy Ratio 13.25%

Tier -2 Capital Adequacy Ratio 6.28%

Total Capital Adequacy Ratio 19.53%

Page 24: ICICI Bank Projections

ICICI Venture is asset management Company

The firm is a wholly owned subsidiary of ICICI Bank The largest private sector financial services group in India

Para Banking Activity

Page 25: ICICI Bank Projections

ICICI Lombard GIC Ltd. is a joint venture between ICICI Bank and Fairfax Financial Holdings Limited, a Canada financial services company

Engaged in general insurance, reinsurance, insurance claims management and investment management.

Page 26: ICICI Bank Projections

ICICI Securities Ltd is an integrated securities firm

Offers investment banking, institutional broking, retail broking, private wealth management, and financial product distribution.

Page 27: ICICI Bank Projections

ICICI Prudential Life Insurance between ICICI Bank and Prudential plc, a leading international financial services group headquartered in the United Kingdom.

Page 28: ICICI Bank Projections

ICICI Direct

ICICI Foundation

Disha Financial Counseling

ICICI Prudential AMC & Trust

Page 29: ICICI Bank Projections

Projection

Page 30: ICICI Bank Projections

  FY12 FY13E FY14E       

Growth(%) 17.1 16.6 19.2       

EPS 56.1 68.7 82       

Total Asset 473647 551148 655427Total Liabilities 437647 551,148 655427

       Deposits 255500 296380 364547

  13.30% 16% 23%       

Net Interest Income 10734 13706 16635  19% 27.70% 21.40%       

Credit Growth   20% 23%       

Deposit Growth   16% 23%       

CASA Ratio   43.40% 43.30%       

Net Profit 6465 7915 9451  25.50% 22.40% 19.40%

Page 31: ICICI Bank Projections

Exceeding Requirement of Basel 3

Very Aggressive

Growth Oriented

Able to Digest huge Loss & NPAs

Conclusion

Page 32: ICICI Bank Projections

Thank You