ICICI Bank Ltd.

Financial

	ICICI Bank	Axis Bank	Kotak Mahindra Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	53.1 %	63.38 %	58.72 %
5 Yr AUM CAGR - Mutual Funds	17.6 %	24.65 %	20.66 %
AUM - Mutual Funds	725442.8 Crs	278205.49 Crs	390476.12 Crs
Banking Sector
CASA Ratio	38.9 %	41.0 %	47.7 %
CASA vs Liabilities	23.75 %	29.66 %	35.57 %
Credit Deposit Ratio	87.34 %	90.31 %	88.0 %
Fresh Slippages - Quarterly	5139.0 Crs	3471.0 Crs	1177.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.33 %	16.63 %	22.2 %
Tier I Capital	15.6 %	14.2 %	21.2 %
Tier 2 Capital	0.73 %	2.43 %	1.0 %
Cost To Income Ratio	39.2 %	50.5 %	48.4 %
Net Interest Margin	4.4 %	4.06 %	5.22 %
Yield On Advances	9.88 %	10.6 %	n/a
Gross NPA	2.16 %	1.43 %	1.73 %
Net NPA	0.42 %	0.31 %	0.34 %
NBFC
Cost of Borrowing	5.05 %	5.43 %	4.14 %
Financials
5 yr Average ROE	12.57 %	7.86 %	13.5 %
5yr average Equity Multiplier	10.16	10.58	6.03
5yr Average Asset Turnover Ratio	0.1	0.08	0.11
5yr Avg Net Profit Margin	11.05 %	9.06 %	18.59 %
5yr Avg Net Profit Margin	11.05 %	9.06 %	18.59 %
5yr CAGR Net Profit	51.57 %	16.51 %	15.68 %
5yr CAGR Sales	7.23 %	8.61 %	8.19 %
5 yr CAGR PPOP	13.8 %	1.87 %	11.57 %
Price to Book	3.13	2.24	2.37
P/E	18.13	13.35	16.89
Shareholdings
Promoter Holding	0.0	8.22 %	25.9 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.36 %	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	3.66 %	4.94 %	4.79 %

Business

	ICICI Bank	Axis Bank	Kotak Mahindra Bank
Loan Break-Up	Loan Break-Up Loan Against Property 32.5 Corporate-Domestic 21.7 Personal Loan 9.4 Rural Finance 8.3 Auto loans 7.6 Business Banking 7.4 Small & Medium Enterprises (SME) loans 4.9 Credit Cards 4.1 Overseas 3.4 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 Consumer Bank 0 SME 0 Small Business& Credit Cards 0 Home Loans and LAP 0 Auto loans 0 Business Banking 0 Consumer durable 0 Tractor finance 0 Agriculture Division 0 0 Corporate Banking 0 Others 0.7	Loan Break-Up Credit Cards 0 Consumer durable 0 Commercial Real Estate 3.45 Chemicals 3.51 Overseas 0 Personal Loan 0 Agricultural 10.11 Consumer Bank 0 Auto loans 4.96 Agriculture Division 0 Rural Finance 0 0 Housing 24.66 Corporate-Domestic 0 SME 0 Corporate Banking 0 Tractor finance 0 Metals 3.28 Small Business& Credit Cards 0 Auto loans 0 Loan Against Property 0 Home Loans and LAP 0 Small & Medium Enterprises (SME) loans 0 Trading 4.96 NBFC 2.95 Infrastructure 8.36 Business Banking 0 Others 33.76	Loan Break-Up Credit Cards 0 Consumer Durable 5.18 Commercial Real Estate 0 Chemical & Chemical products 0 Overseas 0 Personal Loan 0 Agriculture and allied activities 0 Consumer Bank Working capital 9.07 Vehicle Loans 0 Agricultural 7.39 Rural Finance 0 Commercial Vehicles 9.06 Housing 0 Corporate-Domestic 0 SME 6.93 Corporate Banking 22.62 Tractor finance 4.07 Basic Metal & Metal Products 0 Small & Medium Enterprises (SME) loans 3.73 Auto loans 0 Loan Against Property 0 Home loans 27.45 Small & Medium Enterprises (SME) loans 0 Trade 0 Non-banking financial companies (NBFCs) 0 Infrastructure 0 Business Banking 0 Others 4.5
Segment Break-Up	Segment Break-Up Consumer Finance 33.56 Treasury Operations 28.97 Corporate Banking 19.2 Life Insurance Business 12.98 General insurance 0 Retail Banking 0 Corporate/Wholesale Banking 0 Advisory and Transactional Services 0 Treasury, BMU and Corporate Centre 0 Corporate I Wholesale Banking 0 Insurance 0 Vehicle Financing 0 Broking 0 Asset Management 0 Others 5.29	Segment Break-Up Vehicle Financing 0 Broking 0 Asset Management 0 Consumer Finance 0 Insurance 0 Treasury, BMU and Corporate Centre 0 Corporate I Wholesale Banking 0 Corporate Banking 0 Consumer Finance 60.98 Corporate Banking 22.47 Treasury Operations 0 General insurance 0 Life Insurance Business 0 Advisory and Transactional Services 0 Others 16.55	Segment Break-Up Auto Loans 3.46 Broking 3.08 Asset Management 2.04 Consumer Finance 0 Insurance 27.81 Treasury Operations 10.07 Corporate Banking 22.18 Corporate Banking 0 Consumer Finance 27.93 Corporate/Wholesale Banking 0 Treasury Operations 0 General insurance 0 Life Insurance Business 0 Advisory 1.32 Others 2.11
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 100.0 Rest of the World 0
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 0 0 Borrowings in India- Other Banks 0 0 Others 38.73	Borrowings Break-Up Bonds and notes 0 Outside India 0 0 Commercial Papers 0 Financial Institutions & Agencies 71.4 Bonds & Debentures 0 Borrowings in India- Other Banks 0 Banks 6.64 Deposits 0 Capital instruments 0 0 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 18.19 Reserve Bank of India 3.77 0	Borrowings Break-Up Bonds and notes 0 Outside India 0 Borrowings in India- Other Institutions and Agencies 54.59 Commercial Papers 0 Financial Institutions & Agencies 0 Bonds & Debentures 0 Borrowings in India- Other Banks 29.29 Banks 0 Deposits 0 Capital instruments 0 Borrowings in India- Other Banks 7.87 UNSECURED REDEEMABLE BONDS 0 Borrowings outside India 0 Reserve Bank of India 0 Reserve Bank of India 8.24 Others 0.01
Profit Before Tax	Profit Before Tax Wholesale 36.66 Retail 27.36 Treasury Operations 20.48 Other Banking 10.69 Life Insurance 1.48 Others 3.33	-	-
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 Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 36.05 Non Priority Sector 63.95 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 54.14 Priority sector Breakup 0 Non-Priority sector Breakup 0 Priority Sector 45.86
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 51.66 Debt 21.18 Liquid/ Money Market 10.44 ETF 7.07 Balanced schemes 4.4 Fund of Funds 0 EQUITY 0 FMP 0 Gilt 0 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0 Others 5.25	AUM Break-Up - Asset Management ETF 1.29 Equity 63.57 Fund of Funds 1.02 Gilt 0 Offshore funds 0 Insurance 0 Debt 1.57 Liquid/ Money Market 16.58 Alternate asset 0 PMS & others 0 FMP 0 Equity 0 Balanced schemes 0.62 Others 15.35	AUM Break-Up - Asset Management ETF 3.23 EQUITY 57.46 Fund of Funds 0 Gilt 0 Offshore funds 0 Insurance 0 Debt 21.48 Liquid/ Money Market 14.72 Alternate asset 0 PMS & others 0 FMP 0 Equity 0 Balanced schemes 0 Others 3.11

ICICI Bank Ltd.

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