Balance Sheet ICICI Bank Limited

Equities

ICICIBANK

INE090A01021

Banks

Market Closed - NSE India S.E. Other stock markets 05:10:30 13/09/2024 pm IST			5-day change	1st Jan Change
1,250.35 ^INR	-0.14%		+3.49%	+25.46%

13/09	Asian Equities Traded in the US as American Depositary Receipts Flat in Friday Trading; Ends Week Sharply Higher	MT
12/09	Asian Equities Traded in the US as American Depositary Receipts Trend Higher in Thursday Trading	MT

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Published financial data: ICICI BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	848B	892B	954B	1,211B	1,595B
Interest Income, Total	848B	892B	954B	1,211B	1,595B
Interest On Deposits	447B	427B	412B	505B	741B
Interest Expense, Total	447B	427B	412B	505B	741B
Net Interest Income	402B	465B	542B	705B	854B
Gain (Loss) on Sale of Assets	1.45M	-63.42M	56.64M	543M	144M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	32.38B	79.82B	25.13B	11.41B	37.87B
Income (Loss) on Equity Invest. (Income Block)	1.75B	1.44B	-	-	-
Total Other Non Interest Income	615B	641B	596B	639B	727B
Non Interest Income, Total	650B	722B	621B	651B	765B
Revenues Before Provison For Loan Losses	1,051B	1,187B	1,164B	1,356B	1,619B
Provision For Loan Losses	150B	220B	174B	187B	191B
Total Revenues	901B	966B	989B	1,169B	1,428B
Salaries And Other Employee Benefits	111B	110B	121B	147B	185B
Stock-Based Compensation (IS)	114M	77.61M	2.67B	5.18B	7.03B
Occupancy Expense	47.38B	49.02B	54.38B	65.64B	72.58B
Selling General & Admin Expenses, Total	58.46B	59.37B	60.39B	77.75B	80.67B
(Income) Loss on Equity Invest.	-	-	-7.54B	-9.98B	-10.74B
Total Other Non Interest Expense	498B	544B	493B	529B	633B
Non Interest Expense, Total	715B	763B	724B	814B	967B
EBT, Excl. Unusual Items	186B	204B	265B	355B	461B
EBT, Incl. Unusual Items	186B	204B	265B	355B	461B
Income Tax Expense	73.63B	-	-	-	-
Earnings From Continuing Operations	112B	204B	265B	355B	461B
Net Income to Company	112B	204B	265B	355B	461B
Minority Interest	-16.59B	-19.8B	-14.28B	-14.25B	-18.24B
Net Income - (IS)	95.66B	184B	251B	340B	443B
Net Income to Common Incl Extra Items	95.66B	184B	251B	340B	443B
Net Income to Common Excl. Extra Items	95.66B	184B	251B	340B	443B
Per Share Items
Net EPS - Basic	14.81	27.26	36.21	48.86	63.19
Basic EPS - Continuing Operations	14.81	27.26	36.21	48.86	63.19
Basic Weighted Average Shares Outstanding	6.46B	6.74B	6.93B	6.97B	7B
Net EPS - Diluted	14.55	26.83	35.44	47.84	61.96
Diluted EPS - Continuing Operations	14.55	26.83	35.44	47.84	61.96
Diluted Weighted Average Shares Outstanding	6.57B	6.84B	7.08B	7.1B	7.13B
Normalized Basic EPS	15.42	15.94	21.86	29.77	38.52
Normalized Diluted EPS	15.17	15.71	21.42	29.19	37.82
Dividend Per Share	-	2	5	8	10
Payout Ratio	9.27	-	5.52	10.22	12.65
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	39.61	-	-	-	-
Total Current Taxes	51.78B	62.61B	74.04B	115B	137B
Total Deferred Taxes	21.85B	-5.97B	10.53B	3.37B	17.34B
Normalized Net Income	99.59B	107B	152B	207B	270B
Non-Cash Pension Expense	5.44B	-315M	-471M	2.5B	622M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	114M	77.61M	2.67B	5.18B	7.03B
Total Stock-Based Compensation	114M	77.61M	2.67B	5.18B	7.03B

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1,025B	1,084B	1,301B	765B	818B
Investment Securities, Total	3,464B	3,980B	4,162B	4,955B	6,623B
Trading Asset Securities, Total	-	-	-	178B	170B
Total investments	3,464B	3,980B	4,162B	5,133B	6,793B
Gross Loans	7,062B	7,918B	9,203B	10,839B	12,608B
Allowance For Loan Losses	-	-	-	-	-
Net Loans	7,062B	7,918B	9,203B	10,839B	12,608B
Gross Property Plant And Equipment	197B	211B	211B	223B	270B
Accumulated Depreciation	-93.07B	-103B	-105B	-114B	-138B
Net Property Plant And Equipment	104B	108B	106B	110B	132B
Goodwill	1.1B	1.08B	1.01B	1.01B	24.74B
Accrued Interest Receivable	112B	111B	108B	151B	209B
Other Receivables	-	-	-	-	-
Restricted Cash	253B	392B	530B	600B	810B
Other Current Assets, Total	105B	78.27B	66.34B	75.27B	85.28B
Deferred Tax Assets Long-Term (Collected)	88.07B	93.35B	79.48B	76.19B	63.12B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	1,558B	1,973B	1,968B	1,835B	2,098B
Total Assets	13,773B	15,738B	17,526B	19,585B	23,641B
Liabilities
Accounts Payable, Total	350B	368B	207B	243B	639B
Interest Bearing Deposits	6,958B	8,207B	9,279B	10,450B	12,448B
Non-Interest Bearing Deposits	1,050B	1,393B	1,634B	1,658B	1,988B
Total Deposits	8,008B	9,599B	10,914B	12,108B	14,436B
Short-Term Borrowings	32.37B	42.19B	90.35B	98.02B	173B
Current Portion of Long-Term Debt	-	-	-	-	1,039B
Current Portion of Leases	60.4M	144M	177M	201M	207M
Long-Term Debt	2,106B	1,397B	1,526B	1,976B	1,039B
Long-Term Leases	267M	750M	718M	527M	319M
Current Income Taxes Payable	-	-	-	-	-
Accrued Interest Payable	30.71B	24.83B	27.52B	33.39B	38.99B
Other Current Liabilities - (Bank / Utility Template)	64.58B	132B	135B	139B	129B
Other Non Current Liabilities	1,883B	2,502B	2,746B	2,774B	3,446B
Total Liabilities	12,475B	14,066B	15,646B	17,373B	20,940B
Common Stock, Total	12.95B	13.83B	13.9B	13.97B	14.04B
Additional Paid In Capital	336B	490B	498B	507B	519B
Retained Earnings	695B	889B	1,108B	1,416B	1,801B
Comprehensive Income and Other	185B	183B	201B	208B	227B
Total Common Equity	1,230B	1,576B	1,821B	2,145B	2,561B
Minority Interest	67.95B	95.88B	59.81B	66.87B	139B
Total Equity	1,298B	1,672B	1,880B	2,212B	2,700B
Total Liabilities And Equity	13,773B	15,738B	17,526B	19,585B	23,641B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.47B	6.92B	6.96B	7B	7.04B
ECS Total Common Shares Outstanding	6.47B	6.92B	6.95B	6.98B	7.02B
Book Value / Share	189.97	227.86	261.99	307.18	364.76
Tangible Book Value	1,229B	1,575B	1,820B	2,144B	2,537B
Tangible Book Value Per Share	189.8	227.7	261.85	307.03	361.23
Average Assets	-	-	15,944B	18,228B	21,385B
Average Loans	6,087B	6,543B	8,319B	10,017B	11,993B
Total Debt	2,139B	1,440B	1,617B	2,075B	2,251B
Deposits at Interest - Cash	783B	691B	895B	484B	691B
Debt Equivalent of Unfunded Proj. Benefit Obligation	5.05B	-484M	-1.03B	2.07B	471M
Net Debt	1,114B	356B	316B	1,132B	1,264B
Equity Method Investments, Total	7.14B	6.89B	20.04B	20.04B	15.1B
Full Time Employees	131K	98.75K	131K	158K	188K
Assets on Operating Lease - Gross	17.05B	17.74B	17.89B	17.9B	17.9B
Assets on Operating Lease - Accumulated Depreciation	-14.31B	-14.45B	-14.64B	-14.84B	-15.03B

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	95.66B	184B	251B	340B	443B
Depreciation, Depletion & Amortization	13.7B	14.03B	14.09B	15.7B	19.15B
Total Depreciation, Depletion & Amortization	13.7B	14.03B	14.09B	15.7B	19.15B
(Gain) Loss On Sale of Asset - (CF)	-1.45M	63.42M	-56.64M	-543M	-144M
(Gain) Loss on Sale of Investments - (CF)	21.81B	-22.48B	18.32B	27.05B	16.17B
Total Asset Writedown	-	680M	703M	755M	812M
Provision for Credit Losses	124B	159B	67.84B	1.25B	21.29B
Stock-Based Compensation (CF)	114M	77.61M	2.67B	5.18B	7.03B
Change in Other Net Operating Assets (Collected)	-712B	-572B	-1,139B	-1,686B	-1,294B
Other Operating Activities	57.65B	24.65B	51.27B	63.42B	29.62B
Cash from Operations	-399B	-211B	-733B	-1,232B	-757B
Capital Expenditure	-18.73B	-16.88B	-18.6B	-24.68B	-36.79B
Sale of Property, Plant, and Equipment	255M	122M	1.17B	2.87B	699M
Investment in Marketable and Equity Securities, Total	-405B	-613B	-376B	-658B	-1,423B
Cash from Investing	-423B	-630B	-393B	-680B	-1,459B
Short Term Debt Issued, Total	187B	-	169B	125B	181B
Long-Term Debt Issued, Total	366B	294B	357B	417B	392B
Total Debt Issued	553B	294B	526B	542B	573B
Short Term Debt Repaid, Total	-	-468B	-	-	-
Long-Term Debt Repaid, Total	-520B	-528B	-346B	-269B	-391B
Total Debt Repaid	-520B	-995B	-346B	-269B	-391B
Issuance of Common Stock	5.49B	155B	7.98B	9.42B	11.71B
Common Dividends Paid	-	-	-13.85B	-34.79B	-55.99B
Common & Preferred Stock Dividends Paid	-8.86B	-	-	-	-
Common & Preferred Stock Dividends Paid	-8.86B	-	-13.85B	-34.79B	-55.99B
Net Increase (Decrease) in Deposit Accounts - (CF)	1,195B	1,592B	1,314B	1,195B	2,330B
Cash from Financing	1,225B	1,045B	1,489B	1,443B	2,468B
Foreign Exchange Rate Adjustments	2.14B	-6.44B	-1.27B	3.16B	4.23B
Miscellaneous Cash Flow Adjustments	-	-	-5.59B	-	7.71B
Net Change in Cash	405B	197B	356B	-467B	263B
Supplemental Items
Cash Interest Paid	-	-	409B	500B	735B
Cash Income Tax Paid (Refund)	23.92B	38.34B	49.82B	109B	133B
Net Debt Issued / Repaid	33.29B	-701B	180B	273B	182B

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.86	1.38	1.6	1.91	2.13
Return On Equity %	8.96	13.72	14.94	17.33	18.76
Return on Common Equity	8.07	13.11	14.79	17.17	18.81
Shareholders Value Added	-46.67B	15.51B	47.32B	102B	160B
Margin Analysis
SG&A Margin	24.91	23.67	25.12	26.12	24.85
Net Interest Income / Total Revenues %	44.58	48.12	54.82	60.33	59.81
EBT Excl. Non-Recurring Items Margin %	20.63	21.07	26.82	30.33	32.27
Income From Continuing Operations Margin %	12.46	21.07	26.82	30.33	32.27
Net Income Margin %	10.62	19.02	25.38	29.12	30.99
Net Avail. For Common Margin %	10.62	19.02	25.38	29.12	30.99
Normalized Net Income Margin	11.05	11.12	15.32	17.74	18.89
Asset quality
Nonperforming Loans / Total Loans %	5.78	5.16	3.75	2.88	2.22
Nonperforming Loans / Total Assets %	2.96	2.6	1.97	1.6	1.18
Nonperforming Assets / Total Assets %	2.96	2.6	1.97	1.6	1.18
NPAs / Loans and OREO	5.78	5.16	3.75	2.88	2.22
NPAs / Equity	31.47	24.43	18.38	14.13	10.35
Allowance for Credit Losses / Nonperforming Loans %	-	-	-	-	-
Allowance for Credit Losses / Total Loans %	-	-	-	-	-
Net Charge-offs / Total Average Loans %	1.96	1.29	1.14	0.27	0.38
Provision for Loan Losses / Net Charge-offs %	125.8	260.36	183.05	684.62	420.35
Earning Assets / IBL	109.52	111.87	122.34	123.41	124.35
Interest Income / Average Assets	-	-	5.98	6.64	7.46
Interest Expense / Average Assets	-	-	2.58	2.77	3.47
Net Interest Income / Average Assets	-	-	3.4	3.87	3.99
Non Interest Income / Average Assets	-	-	3.9	3.57	3.58
Non Interest Expense / Average Asset	-	-	4.54	4.47	4.52
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.07	9.51	10.21	10.69	10.89
Total Average Equity / Total Average Assets %	9.58	10.06	10.68	11.03	11.36
Total Equity + Allowance for Loan Losses / Total Loans %	17.41	19.9	19.78	19.79	20.32
Gross Loans / Total Deposits %	88.19	82.48	84.33	89.51	87.34
Net Loans / Total Deposits %	88.19	82.48	84.33	89.51	87.34
Tier 1 Capital Ratio %	14.41	17.81	18.02	17.33	15.43
Total Capital Ratio %	15.81	18.87	18.87	18.09	16.14
Core Tier 1 Capital Ratio	13.21	16.66	17.34	16.88	15.43
Tier 2 Capital Ratio	1.4	1.06	0.84	0.77	0.71
Interbank Ratio	69.27	63.87	107.14	73.45	15.66
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.42	1.48	1.64	1.7	1.62
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	22.45	15.77	16.64	30.02	21.11
Non Interest Income, 1 Yr. Growth %	9.48	11.12	-13.74	4.8	17.52
Provision For Loan Losses, 1 Yr. Growth %	-26.62	-1.5	-20.9	7.45	2.17
Total Revenues, 1 Yr. Growth %	25.73	16.79	2.53	18.16	22.14
Earnings From Cont. Operations, 1 Yr. Growth %	97.31	81.41	30.32	33.62	29.95
Net Income, 1 Yr. Growth %	124.87	92.18