FSA Presentation
on
ICICI Bank Ltd.
Submitted to
Dr. Manaswee Kumar samal
Presented By
Amit Kumar
Bishnu Panda
10/4/2013 P...
 ICICI Bank is a Second largest bank in India by
assets & third largest by market capitalization.
Bank has presence in 19...
Revenue-USD 13.82 billion
Profit-USD 1.66 billion
Total assets-USD 119.69 billion
Total Equity-USD 12.21billion
Employee-...
Source of Information
1.Directors’ report
2.Management Discussion & Analysis
3. Schedule & notes of FS
4.Auditor’s Report
...
Techniques used for FSA
1.Horizontal Analysis
2.Trend Analysis
3.Ratio Analysis
10/4/2013 Praxis Business School 5
Directors’ Report
ICICI Bank Annual Report FY2011.pdf
Page 9
10/4/2013 Praxis Business School 6
Nifty Tracker
Movement of shares in stock market
ICICI_FINANCE2.xlsx
10/4/2013 Praxis Business School 7
Horizontal Analysis
It is comparative information for the current
year as well as previous year.
icici bank FSA.xlsx
10/4/...
Trend Analysis
It is a calculation of percentage changes in
Financial statement items for a number of
successive years. ic...
Ratio Analysis
It is establishment of relevant financial
relationship between components of financial
statements. Financia...
Analysis
1.Dupont chart-
icicibank2010_dupont.xlsx
10/4/2013 Praxis Business School 11
Profitability Ratio
It measures the degree of operating success of
the company.
Profit Margin Ratio
Asset Turnover Ratio...
Profit Margin Ratio
Net Profit
Revenue
It measures the amount of net profit earned by each rupee
of revenue.
ICICI Bank Ax...
Asset Turnover Ratio
Revenue
Average Total Asset
It measures firm’s efficiency in utilizing its assets
10/4/2013 Praxis Bu...
Earning Per Share
NPAT+Peference Dividend
No. of Equity Shares
EPS is useful in comparing companies’ performance
10/4/2013...
1.It indicates the business is affected by the extent
of the debt used to finance the asset of the
company.
2.The presence...
Debt-to-Equity Ratio
Secured + Unsecured Loan
Shareholder’s Equity
It measures the relationship of capital provided by
cre...
Interest Coverage Ratio
PBIT
Interest Expenses
It measures the protection available to creditors for
payment of interest c...
Credit -to-Deposit Ratio
Total Advances
Total Deposit
It Indicates how much of the Advances lent by bank is
done through d...
Non Performing Assets Ratio
Net NPA
Net Customer Assets
It used as a measure of the overall quality of the bank’s
loan boo...
CASA Ratio
Current & Saving a/c deposits
Total Deposits
The CASA ratio shows how much deposit a bank has in the form of cu...
Capital Adequacy Ratio
Tier one capital + Tier two capital
Risk Weighted Assets
This ratio is used to protect depositors a...
It relate the market price of a company’s share to
the company earning & dividends
Price Earning Ratio
10/4/2013 Praxis B...
Price Earning Ratio
Market price per Equity share
Earning per Share
It is a indicator of firm’s growth prospect. High pric...
Key Ratios at a glance
10/4/2013 Praxis Business School 25
Ratios ICICI
BANK(2011)
AXIS
BANK(2011)
ICICI
BANK(2010)
AXIS
B...
Conclusions
Based on the financial assessment of key
indicators of banks..
ICICI Bank Ltd is leading ahead of Axis
Bank.
1...
Balance sheet
ICICI Bank Annual Report FY2011.pdf
Page-80
10/4/2013 Praxis Business School 27
Profit & Loss account
ICICI Bank Annual Report FY2011.pdf
Page 81
10/4/2013 Praxis Business School 28
Cash flow statement
ICICI Bank Annual Report FY2011.pdf
Page 82
10/4/2013 Praxis Business School 29
Thank you!!!
ICICI bank Ltd.
10/4/2013 Praxis Business School 30
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  1. 1. FSA Presentation on ICICI Bank Ltd. Submitted to Dr. Manaswee Kumar samal Presented By Amit Kumar Bishnu Panda 10/4/2013 Praxis Business School 1
  2. 2.  ICICI Bank is a Second largest bank in India by assets & third largest by market capitalization. Bank has presence in 19 countries with a network of 2575 branches & 8000 ATM. Products- Corporate banking, Finance & Insurance, Investment Banking, Mortgage loan, Private banking & Wealth Management 10/4/2013 Praxis Business School 2
  3. 3. Revenue-USD 13.82 billion Profit-USD 1.66 billion Total assets-USD 119.69 billion Total Equity-USD 12.21billion Employee-80,000 10/4/2013 Praxis Business School 3
  4. 4. Source of Information 1.Directors’ report 2.Management Discussion & Analysis 3. Schedule & notes of FS 4.Auditor’s Report 10/4/2013 Praxis Business School 4
  5. 5. Techniques used for FSA 1.Horizontal Analysis 2.Trend Analysis 3.Ratio Analysis 10/4/2013 Praxis Business School 5
  6. 6. Directors’ Report ICICI Bank Annual Report FY2011.pdf Page 9 10/4/2013 Praxis Business School 6
  7. 7. Nifty Tracker Movement of shares in stock market ICICI_FINANCE2.xlsx 10/4/2013 Praxis Business School 7
  8. 8. Horizontal Analysis It is comparative information for the current year as well as previous year. icici bank FSA.xlsx 10/4/2013 Praxis Business School 8
  9. 9. Trend Analysis It is a calculation of percentage changes in Financial statement items for a number of successive years. icici bank FSA.xlsx 10/4/2013 Praxis Business School 9
  10. 10. Ratio Analysis It is establishment of relevant financial relationship between components of financial statements. Financial ratios are the significant indicator of a company financial health. 10/4/2013 Praxis Business School 10
  11. 11. Analysis 1.Dupont chart- icicibank2010_dupont.xlsx 10/4/2013 Praxis Business School 11
  12. 12. Profitability Ratio It measures the degree of operating success of the company. Profit Margin Ratio Asset Turnover Ratio Earning per share Ratio 10/4/2013 Praxis Business School 12
  13. 13. Profit Margin Ratio Net Profit Revenue It measures the amount of net profit earned by each rupee of revenue. ICICI Bank Axis Bank 10/4/2013 Praxis Business School 13 Year ICICI BANK AXIS BANK 2011 8.66% 7.29% 2010 6.46% 7.14%
  14. 14. Asset Turnover Ratio Revenue Average Total Asset It measures firm’s efficiency in utilizing its assets 10/4/2013 Praxis Business School 14 Year ICICI BANK AXIS BANK 2011 0.15 0.21 2010 0.16 0.16
  15. 15. Earning Per Share NPAT+Peference Dividend No. of Equity Shares EPS is useful in comparing companies’ performance 10/4/2013 Praxis Business School 15 Year ICICI BANK AXIS BANK 2011 44.72 81.35 2010 34.94 66.16
  16. 16. 1.It indicates the business is affected by the extent of the debt used to finance the asset of the company. 2.The presence of heavy debt in a companies capital structure is thought to reduce the companies solvency because debt is more risky than Equity Debt-to-Equity Ratio Interest Coverage Ratio Credit-to Deposit Ratio NPA Ratio CASA Ratio 10/4/2013 Praxis Business School 16 Solvency Ratio
  17. 17. Debt-to-Equity Ratio Secured + Unsecured Loan Shareholder’s Equity It measures the relationship of capital provided by creditors to the amount provided by the shareholder’s 10/4/2013 Praxis Business School 17 Year ICICI BANK AXIS BANK 2011 6.37 11.83 2010 6.04 10.29
  18. 18. Interest Coverage Ratio PBIT Interest Expenses It measures the protection available to creditors for payment of interest charges by the company 10/4/2013 Praxis Business School 18 Year ICICI BANK AXIS BANK 2011 1.39 1.59 2010 1.30 1.57
  19. 19. Credit -to-Deposit Ratio Total Advances Total Deposit It Indicates how much of the Advances lent by bank is done through deposit. Higher the ratio, the higher the loan-assets credited from deposit 10/4/2013 Praxis Business School 19 Year ICICI Bank Axis Bank 2011 95.90% 75.28% 2010 89.69% 73.85%
  20. 20. Non Performing Assets Ratio Net NPA Net Customer Assets It used as a measure of the overall quality of the bank’s loan book. An NPA are those assets for which interest is overdue for more than 90 days. Higher ratio reflects rising bad quality of loans 10/4/2013 Praxis Business School 20 Year ICICI Bank Axis Bank 2011 0.94% 0.26% 2010 1.86% 0.36%
  21. 21. CASA Ratio Current & Saving a/c deposits Total Deposits The CASA ratio shows how much deposit a bank has in the form of current and saving account deposits in the total deposit. A higher CASA ratio means higher portion of the deposits of the bank has come from current and savings deposit, which is generally a cheaper source of fund. Higher the CASA ratio better the net interest margin, which means better operating efficiency of the bank. 10/4/2013 Praxis Business School 21 Year ICICI Bank Axis Bank 2011 45% 41% 2010 41% 46%
  22. 22. Capital Adequacy Ratio Tier one capital + Tier two capital Risk Weighted Assets This ratio is used to protect depositors and promote the stability and efficiency of financial system around the world. 10/4/2013 Praxis Business School 22 Year ICICI BANK AXIS BANK 2011 13.11% 17.42% 2010 29.72% 36.5%
  23. 23. It relate the market price of a company’s share to the company earning & dividends Price Earning Ratio 10/4/2013 Praxis Business School 23 Capital Market Ratio
  24. 24. Price Earning Ratio Market price per Equity share Earning per Share It is a indicator of firm’s growth prospect. High price earning ratio indicates the stock market confidence in company’s future earning growth 10/4/2013 Praxis Business School 24 Year ICICI BANK AXIS BANK 2011 19.78 16.09 2010 23.47 15.26
  25. 25. Key Ratios at a glance 10/4/2013 Praxis Business School 25 Ratios ICICI BANK(2011) AXIS BANK(2011) ICICI BANK(2010) AXIS BANK(2010) ROE 6.4% 5.1% 2.7% 2.1% PE Ratio 19.78 16.09 23.47 15.26 CASA Ratio 45% 41% 41% 46% NPA Ratio 0.94% 0.26% 1.86% 0.36% Capital Adequacy ratio 13.11% 17.42% 29.72% 36.5%
  26. 26. Conclusions Based on the financial assessment of key indicators of banks.. ICICI Bank Ltd is leading ahead of Axis Bank. 10/4/2013 Praxis Business School 26
  27. 27. Balance sheet ICICI Bank Annual Report FY2011.pdf Page-80 10/4/2013 Praxis Business School 27
  28. 28. Profit & Loss account ICICI Bank Annual Report FY2011.pdf Page 81 10/4/2013 Praxis Business School 28
  29. 29. Cash flow statement ICICI Bank Annual Report FY2011.pdf Page 82 10/4/2013 Praxis Business School 29
  30. 30. Thank you!!! ICICI bank Ltd. 10/4/2013 Praxis Business School 30

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