Company Analysis for ICICI Bank

1. ICICI BANK
P R E S E N T A T I O N T E M P L A T E
W
W
W
.
R
E
A
L
L
Y
G
R
E
A
T
S
I
T
E
.
C
O
M

2. INDUSTRY
OVERVIEW
BANKING AT A CROSSROADS: EMBRACING TRANSFORMATION IN A DIGITAL AGE
EARLY DAYS OF BANKING
• BARTER
• ANCIENT TEMPLE VAULT
• BASIC SERVICES –
• SAFE STORAGE OF VALUABLES
• ACCEPTING DEPOSITS
• LENDING MONEY
MODERN BANKING
• FINTECH
• MODERN SERVICES
• INVESTMENT OPPORTUNITIES
• INVESTMENT BANKING SERVICES
• ONLINE & MOBILE BANKING
• INSURANCE, ADVISORY
• MICRO-FINANCE, TRADE FINANCE
FROM BARTER TO BANKS: EARLY SYSTEMS LAID THE FOUNDATION FOR SECURE STORAGE AND CREDIT.
MODERN BANKING TAKES SHAPE: CENTRAL BANKS, BRANCH NETWORKS, AND NEW SERVICES FUELED ECONOMIC GRO

3. MARKET SIZE
THE INDIAN BANKING LANDSCAPE BOASTS MASSIVE
SIZE AND REACH, WITH OVER 1.6 LAKH BRANCHES,
14 LAKH ATMS, AND A DIVERSE MIX OF
INSTITUTIONS - FROM PUBLIC GIANTS TO RURAL CO-
OPS. IN 2023, TOTAL ASSETS ACROSS SECTORS
CROSSED US$ 2.4 TRILLION, SHOWCASING
IMPRESSIVE GROWTH AND CONTINUED FINANCIAL
INCLUSION.
• INDIAN BANKING SECTOR OUTPERFORMS GLOBALLY IN PROFITABILITY AND GROWTH
• INDIA'S DIGITAL LENDING MARKET WITNESSED A GROWTH OF CAGR 39.5% OVER A SPAN OF 10 YEARS.
• ROBUST PROFITABILITY DRIVEN BY RETAIL & MSME LENDING. STRONG LOAN GROWTH EXCEEDING PRE-PANDEMIC L
• NPAS IMPROVING, BUT STILL HIGHER THAN THE GLOBAL AVERAGE.
INDUSTRY PERFORMANCE

4. POLICY SUPPORT TO THE BANKING INDUSTRY
• DIGITAL RUPEE: TRANSFORMING INDIA'S FINANCIAL LANDSCAPE
A PILOT REDEFINING THE FUTURE OF
MONEY
• STATE BANK OF INDIA
• BANK OF BARODA
• UNION BANK OF INDIA
• HDFC BANK
• ICICI BANK
• KOTAK MAHINDRA BANK
• YES BANK
• IDFC FIRST BANK
• HSBC.
• THE RBI HAS LAUNCHED A PILOT TO DIGITALIZE KCC LENDING IN A BID FOR EFFICIENCY,
HIGHER COST SAVINGS, AND REDUCTION OF TAT. THIS IS EXPECTED TO TRANSFORM THE
FLOW OF CREDIT IN THE RURAL ECONOMY.
• IN UNION BUDGET 2023, A NATIONAL FINANCIAL INFORMATION REGISTRY WOULD BE
CONSTRUCTED TO SERVE AS THE CENTRAL REPOSITORY FOR FINANCIAL AND ANCILLARY
DATA.

6. • ICICI WAS FOUNDED IN 1994
• WIDE RANGE OF BANKING PRODUCTS AND
FINANCIAL SERVICES
• STRONG FOCUS ON DIGITAL BANKING AND
TECHNOLOGY
• 6,074 BRANCHES AND 16,731 ATMS ACROSS
INDIA
ABOUT ICICI

7. • ACCOUNTS & DEPOSITS
• INSURANCE
• LOANS
• CARDS
• INVESTMENTS
• AGRI & RURAL
PRODUCTS

8. KEY BUSINESS AREAS
1.RETAIL, SME AND
RURAL BANKING
• WIDESPREAD REACH
• DIVERSE PRODUCT PORTFOLIO
• FOCUS ON NRI
• GLOBAL PRESENCE
2.WHOLESALE
BANKING
• FINANCIAL SOLUTIONS
• LEVERAGE CROSS-BORDER
REQUIREMENTS OF OUR CLIENTS.
• ECOSYSTEM FOCUS

9. KEY BUSINESS AREAS
3.TREASURY
TREASURY OPERATIONS COMPRISE MANAGEMENT OF THE
• BANK’S LIQUIDITY,
• GOVERNMENT SECURITIES PORTFOLIO AND INTEREST
RATE RISK,
• PROPRIETARY TRADING,
• AND FOREIGN EXCHANGE AND DERIVATIVE SOLUTIONS
FOR CLIENTS.

10. • MISSION- TO GROW OUR RISK-CALIBRATED CORE OPERATING
PROFIT
• VISION- TO BE THE TRUSTED FINANCIAL SERVICES PROVIDER
OF CHOICE FOR OUR CUSTOMERS. THEREBY CREATING
SUSTAINABLE VALUE FOR OUR STAKEHOLDERS
MISSION AND VISION

11. A C C O U N T T Y P E R a t e
S A V I N G A C C O U N T 3 % - 3 . 5 %
H O M E L O A N S T A R T S F R O M 8 . 7 5 %
G O L D L O A N 1 0 % - 1 9 . 7 6 %
E D U C A T I O N L O A N 9 . 5 0 % - 1 4 . 7 5 %
C A R L O A N 1 0 %
F I X E D D E P O S I T 7 . 1 0 % - 7 . 6 5 %

12. VISION &
MISSION
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut
labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris
nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit
esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in
culpa qui officia deserunt mollit anim id est laborum.
Lorem ipsum dolor sit amet, consectetur adipiscing
elit, sed do eiusmod tempor incididunt ut labore et
dolore magna aliqua. Ut enim ad minim veniam, quis
nostrud exercitation ullamco laboris nisi ut aliquip
ex ea commodo consequat. Duis aute irure dolor in
reprehenderit in voluptate velit esse cillum dolore
eu fugiat nulla pariatur.

13. Corporate Governance
At ICICI Bank, commitment to high governance standards is evident
in their business conduct. Compliance with laws, rules, and
regulations is a priority, fostering a culture of accountability,
transparency, and ethical conduct.

14. Leadership Team
Executive Directors: Mr. Sandeep Batra
Mr. Rakesh Jha
Non-Executive Part-Time Chairman:
Mr. Girish Chandra Chaturvedi
Independent Directors: Ms. Neelam Dhawan
Mr. Hari L Mundra
Mr. S Madhavan
Mr. Radhakrishnan Nair
Managing Director & CEO:
Mr. Sandeep Bakhshi

15. Sustainability Initiatives
Increased use of renewable energy, inclusive growth,
responsible lending, and adherence to high
corporate governance standards.
Corporate Social Responsibility
(CSR)
Agricultural productivity, promoting sustainable practices,
and enhancing the supply chain in rural areas.
Skill-building programs, especially for women,
lead to job placements.

16. Stakeholder
Relationships
Meetings and workshops for employees
Investor meets for shareholders

17. SWOT ANALYSIS - STRENGTHS
01 Offers a wide range of financial products
• Retail Banking
• Corporate Banking
• Insurance
• Asset Management
Diversified Product Portfolio:
02 Implements innovative solutions in
• Online banking
• Mobile banking
• Digital payment systems
Technology Integration:
03 • One of the leading banks in India
• Strong brand image
• Financial services
• Significant market presence
Strong Brand Presence:
04 • Built a robust global presence
• Extends its operations into multiple countries
Global Presence:

18. SWOT ANALYSIS - WEAKNESSES
01 • Bank's performance is closely linked to the health
of the Indian economy
• Regulatory changes in India may impact ICICI Bank's
operations.
• Such factors can influence ICICI Bank's profitability.
Dependence on Indian Economy:
02 Bank faces challenges related to
• Non-performing assets (NPAs)
• Quality of its loan portfolio.
• Economic downturns leads to an increase in bad loans.
Asset Quality Concerns:
03 • The banking industry in India is highly competitive, with
many players vying for market share
• ICICI Bank faces competition from both domestic and
international banks.
Intense Competition:

19. 01
02
03
Strategic Partnerships:
Forming strategic partnerships with fintech
companies or other businesses can open new
avenues for growth and innovation.
Digital Banking Growth:
With the increasing adoption of digital banking,
there is an opportunity for ICICI Bank to further
invest in and expand its digital platforms,
reaching a wider customer base.
Growing Indian Economy:
The ongoing growth of the Indian economy
presents opportunities for ICICI Bank to
expand its customer base and offer more
financial products and services.
SWOT ANALYSIS - OPPORTUNITIES

20. 01
02
03
Economic Instability:
Economic uncertainties, both globally and
domestically, can impact the financial industry,
affecting ICICI Bank's operations and financial
performance.
Cybersecurity Risks:
As a digital banking leader, ICICI Bank faces
the threat of cybersecurity breaches, which
could compromise customer data and erode
trust in the bank's services.
Regulatory Changes:
Changes in banking regulations and policies
can impact the way ICICI Bank conducts its
business, potentially affecting profitability and
compliance costs.
SWOT ANALYSIS - THREATS

21. STRATEGIC IMPLICATIONS
Strengths-Opportunities (SO):
• Leverage the diversified product portfolio and
strong brand presence to capitalize on the
growing Indian economy.
Strengths-Threats (ST):
• Utilize the global presence to mitigate the impact
of economic instability.
Weaknesses-Opportunities (WO):
• Address asset quality concerns by strategically
investing in digital banking growth.
• Enhance digital platforms to streamline loan
processes.
• Actively monitor and adapt to regulatory
changes.
• Invest in robust cybersecurity measures
to mitigate risks associated with digital
banking.
Weaknesses-Threats
(WT):

22. PEER GROUP COMPARISON

23. PEER GROUP COMPARISON

24. PEER GROUP COMPARISON

25. PEER GROUP COMPARISON

26. PEER GROUP COMPARISON

27. STOCK
MARKET DATA
AND
PERFORMANCE

28. OVERVIEW OF ICICI BANK'S FINANCIALS
• CURRENT MARKET PRICE: ₹994.30 (AS OF 22ND DEC 2023)
• 52-week High/Low: ₹1,043.70/₹796.00
• Market Cap: ₹6,97,411 Cr
• Book Value: ₹307
VALUATION RATIOS:
• D/E RATIO: 6.53
• PE RATIO: 17.36 (SECTOR PE: 19.05)
• PB RATIO: 3.15
• ROE: 17.20%

29. COMPARISON AND GRAPHICAL ANALYSIS
ICICI BANK STOCK PERFOMARMANCE:
ICICI BANK
1/5 YEAR RETURNS:
11.64%/180.72%
V/
S
NIFTY 50
1/5 YEAR RETURN:
17.77%/98.53%
BANK NIFTY
1/5 YEAR RETURN:
11.99%/76.75%
V/
S
1 YEAR
RETURNS
5 YEAR
RETURNS

30. TRADING VOLUME:
⚬ SHARES TRADED: 1,04,20,886
⚬ TRADEDVALUE:₹1,03,546.09LAKHS
⚬ DAILY VOLATILITY:1.22%
⚬ ANNUALIZEDVOLATILITY:23.31%
CONCLUSION:
• ICICI BANK, WITH A CURRENT MARKET PRICE OF ₹994.30, EXHIBITS VOLATILITY IN THE
SHORTTERMBUTDEMONSTRATESAROBUSTLONG-TERMPERFORMANCE.
• ALTHOUGH IT UNDERPERFORMED IN THE PAST YEAR, ITS 5-YEAR RETURNS SURPASS
BENCHMARKINDICES.THETRADINGVOLUMEANDVOLATILITYINDICATEUNCERTAINTY.
• WHILE LIQUIDITY RATIOS HIGHLIGHT THE BANK'S ABILITY TO MEET SHORT-TERM
OBLIGATIONS. INVESTORS SEEKING GROWTH MAY CONSIDER BENCHMARK INDICES,
WHILETHOSEEYEINGLONG-TERMPOTENTIALMAYFINDVALUEINICICIBANK.

31. THANK YOU

32. Key Financial Indicators and Analysis