ICICI Bank Projections

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Where will be ICICI in next 5 years.

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  • Many foreign banks learnig retail banking from india and ICICI has played huge role in that.
  • ICICI Bank Projections

    1. 1. Presented By: Arpan Shah
    2. 2. Chanda Kochhar MD & CEO K V Kamath Chairman
    3. 3.  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
    4. 4.  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'.
    5. 5.  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.
    6. 6.  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.
    7. 7. Historic Data
    8. 8. 5 x
    9. 9. 5 x
    10. 10. 5 x
    11. 11. 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Net Interest 14.45 21.85 29.32 39.07 56.37 73.04 83.67 81.14 90.17 107.3 Income Net Interest Income 107.3 83.67 8 x 90.17 81.14 73.04 56.37 39.07 29.32 21.85 14.45 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
    12. 12. 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Earnings 19.7 26.7 27.6 32.5 34.8 39.4 33.8 36.1 45.3 56.1 Per Share Earnings Per Share 56.1 3 x 45.3 39.4 32.5 26.7 34.8 33.8 36.1 27.6 19.7 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
    13. 13. 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Total 1068.1 1252.29 1676.59 2513.89 3446.58 3997.95 3793.01 3634 4062.34 4736.47 Assets Total Assets 4736.47 4.5 x 3997.95 3446.58 4062.34 3793.01 3634 2513.89 1676.59 1068.12 1 2 1252.29 3 4 5 6 7 8 9 10
    14. 14. 2003 2004 2005 2006 Equity Capital & 69.33 Reserves 80.1 125.5 222.06 2007 2008 2009 2010 243.13 464.71 495.33 2011 2012 516.18 550.9 604.1 Equity Capital & Reseves 604.1 9 x 464.71 222.06 69.33 2003 80.1 2004 495.33 516.18 550.9 243.13 125.5 2005 2006 2007 2008 2009 2010 2011 2012
    15. 15. 2003 2004 2005 2007 11.8% Capital Adequacy 11.1% 10.4% Ratio 2006 2008 2009 13.4% 11.7% 14.0% 15.5% 2010 2011 2012 19.4% 19.5% 18.5% Capital Adequacy Ratio 70% 19.4% 11.1% 2003 10.4% 2004 11.8% 2005 13.4% 2006 14.0% 19.5% 18.5% 15.5% 11.7% 2007 2008 2009 2010 2011 2012
    16. 16. 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 -40% NPA 8.72 6.52 5.8 4.7 4.32 4.27 3.3 1.51 2002-03 2003-04 2004-05 2005-06 2.08 2006-07 2007-08 2008-09 2019-10 2010-11
    17. 17.      MARKET CAP P/E Net worth DIV (%) EPS 129,527.06 Cr 16.35 60,405.25 Cr 165.00% 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
    18. 18.  Advances increased by 16%  From 2,46,157 crore to 2,86,766 crore  The year-on-year growth in retail advances was 17%
    19. 19.   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
    20. 20. Treasury 1QY13 -21 4QY12 158 Advances Deposits Credit-to-Deposit Ratio(%) 268,430 267,794 100.2 253,728 255,500 99.3 Current deposits (cr) Saving deposits (cr) CASA deposits CASA Ratio(%) 30,754 77,923 1,08,677 40.6 34,973 76,046 1,11,019 43.5 Gross NPAs(Cr) (%) 9,817 3.5 9,475 3.6
    21. 21. Under Under Basel Basel II III Capital Adequacy Ratio Requirement 8% 10.50%
    22. 22. Capital adequacy as at December 31, 2012 INR in billions Tier - 1 capital Tier - 2 capital Total capital funds of the Bank Total capital required Tier -1 Capital Adequacy Ratio Tier -2 Capital Adequacy Ratio 570.76 270.52 841.28 387.73 13.25% 6.28% Total Capital Adequacy Ratio 19.53%
    23. 23.  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
    24. 24.  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.
    25. 25.  ICICI Securities Ltd is an integrated securities firm  Offers investment banking, institutional broking, retail broking, private wealth management, and financial product distribution.
    26. 26.  ICICI Prudential Life Insurance between ICICI Bank and Prudential plc, a leading international financial services group headquartered in the United Kingdom.
    27. 27.  ICICI Direct  ICICI Foundation  Disha Financial Counseling  ICICI Prudential AMC & Trust
    28. 28. Projection
    29. 29. FY12 FY13E FY14E Growth(%) 17.1 16.6 19.2 EPS 56.1 68.7 82 Total Asset Total Liabilities 473647 437647 551148 551,148 655427 655427 Deposits 255500 13.30% 296380 16% 364547 23% Net Interest Income 10734 19% 13706 27.70% 16635 21.40% Credit Growth 20% 23% Deposit Growth 16% 23% CASA Ratio 43.40% 43.30% 7915 22.40% 9451 19.40% Net Profit 6465 25.50%
    30. 30.  Exceeding Requirement of Basel 3  Very Aggressive  Growth Oriented  Able to Digest huge Loss & NPAs
    31. 31. Thank You

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