ICICI Bank Ltd.

Financial

	ICICI Bank	Axis Bank	HDFC Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	53.24 %	63.22 %	n/a
5 Yr AUM CAGR - Mutual Funds	17.6 %	24.65 %	n/a
AUM - Mutual Funds	776522.85 Crs	292146.65 Crs	n/a
Banking Sector
CASA Ratio	38.9 %	41.0 %	38.2 %
CASA vs Liabilities	23.75 %	29.66 %	22.53 %
Credit Deposit Ratio	87.34 %	90.31 %	107.95 %
Fresh Slippages - Quarterly	5139.0 Crs	3471.0 Crs	7000.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.33 %	16.63 %	18.8 %
Tier I Capital	15.6 %	14.2 %	16.8 %
Tier 2 Capital	0.73 %	2.43 %	2.0 %
Cost To Income Ratio	39.2 %	46.9 %	41.3 %
Net Interest Margin	4.4 %	4.06 %	3.63 %
Yield On Advances	9.88 %	8.5 %	8.4 %
Gross NPA	2.16 %	1.43 %	1.24 %
Net NPA	0.42 %	0.31 %	0.33 %
NBFC
Cost of Borrowing	5.05 %	5.43 %	4.9 %
Financials
5 yr Average ROE	12.57 %	10.03 %	16.81 %
5yr average Equity Multiplier	10.16	10.11	8.65
5yr Average Asset Turnover Ratio	0.1	0.08	0.09
5yr Avg Net Profit Margin	11.05 %	11.46 %	20.42 %
5yr Avg Net Profit Margin	11.05 %	11.46 %	20.42 %
5yr CAGR Net Profit	51.57 %	70.1 %	15.55 %
5yr CAGR Sales	7.23 %	11.5 %	10.52 %
5 yr CAGR PPOP	13.8 %	10.4 %	12.03 %
Price to Book	3.27	2.47	2.88
P/E	18.93	14.68	20.55
Shareholdings
Promoter Holding	0.0	8.22 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.36 %	-25.97 %
Change in Mutual Fund Holding (3 Yrs)	3.66 %	4.94 %	10.19 %

Business

	ICICI Bank	Axis Bank	HDFC Bank
Loan Break-Up	Loan Break-Up Loan Against Property 32.6 Corporate-Domestic 21.3 Personal Loan 9.6 Rural Finance 8.3 Business Banking 7.7 Auto loans 7.7 Small & Medium Enterprises (SME) loans 5.0 Credit Cards 4.2 Overseas 2.8 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 Agriculture and allied activities 0 Services 0 Advances to industries eligible 0 Others 0.8	Loan Break-Up Agricultural 10.11 Loan Against Property 0 Advances to industries eligible 0 NBFC 2.95 Infrastructure 8.36 Rural Finance 0 Business Banking 0 Corporate-Domestic 0 Commercial Real Estate 3.45 Auto loans 0 Auto loans 4.96 Trading 4.96 Chemicals 3.51 Housing 24.66 Metals 3.28 Services 0 Overseas 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 0 Credit Cards 0 Others 33.76	Loan Break-Up Agricultural 9.04 Loan Against Property 0 Advances to industries 28.66 Non-banking financial companies (NBFCs) 0 Infrastructure 0 Rural Finance 0 Business Banking 0 Corporate-Domestic 0 Commercial Real Estate 0 Auto loans 0 Vehicle Loans 0 Trade 0 Chemical & Chemical products 0 Housing 0 Basic Metal & Metal Products 0 Services 33.36 Overseas 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 0 Credit Cards 0 Others 28.94
Segment Break-Up	Segment Break-Up Consumer Finance 32.85 Treasury Operations 27.36 Corporate Banking 17.03 Life Insurance Business 16.0 General insurance 0 Retail Banking 0 Corporate/Wholesale Banking 0 Insurance Business 0 Others 6.76	Segment Break-Up General insurance 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate Banking 21.62 Life Insurance Business 0 Consumer Finance 60.24 Insurance Business 0 Others 18.14	Segment Break-Up General insurance 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Corporate/Wholesale Banking 0 Life Insurance Business 0 Retail Banking 0 Insurance Business 17.47 Others 82.53
Location Wise Break-Up	Location Wise Break-Up India 97.2 Rest of the World 2.8	Location Wise Break-Up India 97.98 Rest of the World 2.02	Location Wise Break-Up India 98.87 Rest of the World 1.13
Borrowings Break-Up	Borrowings Break-Up Bonds & Debentures 26.81 Outside India 23.53 Commercial Papers 5.18 UNSECURED REDEEMABLE BONDS 2.81 Deposits 1.94 Reserve Bank of India 1.0 Bonds and notes 0 Capital instruments 0 Financial Institutions & Agencies 0 Banks 0 Borrowings outside India 0 Financial Institutions 0 0 0 Others 38.73	Borrowings Break-Up Deposits 0 0 Financial Institutions 0 Banks 6.64 UNSECURED REDEEMABLE BONDS 0 Financial Institutions & Agencies 71.4 0 Reserve Bank of India 3.77 Outside India 0 Bonds & Debentures 0 Borrowings outside India 18.19 Commercial Papers 0 Capital instruments 0 Bonds and notes 0	Borrowings Break-Up Deposits 0 Bonds & Debentures 18.17 Other Institutions & Agencies 37.34 Banking 6.84 UNSECURED REDEEMABLE BONDS 0 Financial Institutions & Agencies 0 Upper and lower Tier II capital and innovative perpetual debts 11.13 Reserve Bank of India 3.52 Outside India 0 Bonds & Debentures 0 Borrowings outside India 23.01 Commercial Papers 0 Capital instruments 0 Bonds and notes 0
Profit Before Tax	Profit Before Tax Retail 32.96 Wholesale 32.9 Treasury Operations 19.48 Other Banking 2.17 Life Insurance 1.41 Others 11.08	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 72.79 Priority Sector 27.21 Non-Priority sector Breakup 0 Priority sector Breakup 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Priority Sector 36.05 Non Priority Sector 63.95 Priority Sector 0 Priority 0 Non Priority Sector 0 Non-Priority 0	Priority vs Non-Priority Sector Priority sector Breakup 0 Non-Priority sector Breakup 0 Priority Sector 0 Priority Sector 33.36 Non Priority Sector 0 Non Priority Sector 66.64
NPA Break-Up	NPA Break-Up Priority Sector 54.46 Personal Loan 19.18 Services 16.6 Agricultural 9.76	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 53.1 Debt 19.13 Liquid/ Money Market 10.0 ETF 8.07 Balanced schemes 4.59 Fund of Funds 0 EQUITY 0 FMP 0 Gilt 0 Others 5.11	AUM Break-Up - Asset Management Liquid/ Money Market 17.62 Equity 63.59 Gilt 0.1 Fund of Funds 0.68 Debt 15.94 FMP 0.16 ETF 1.29 Balanced schemes 0.57 Equity 0 Others 0.05	-

ICICI Bank Ltd.

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