icici financial analysis
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PRESENTATION
ON
Financial Analysis of ICICI Bank
BY
AKHIL MAHAJAN
(2010MBE02)
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ICICI Bank - Industrial Credit and InvestmentCorporation of India.
Founded1955
Chairman
K.V. KamathProfit - 4,843.41 crore
Employees - 35,000+
Network - 2,016 branches and about 5,219 ATM
2001 -Acquired Bank of Madura, Illanji Bank,
2005 Investitsionno-Kreditny Bank, 2010 merge
with Bank of Rajasthan.
Introduction
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Financial AnalysisProfitability
Solvency
Liquidity
Stability
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Balance SheetLiabilities Mar '09 Mar '10
Capital and LiabilitiesTotalShare Capital
1,463.29 1,114.89
Equity Share Capital 1,113.29 1,114.89
Preference Share Capital 350.00 0.00
Reserves 48,419.73 50,503.48
Net Worth 49,883.02 51,618.37
Deposits 218,347.82 202,016.60
Borrowings 67,323.69 94,263.57
Total Debt 285,671.51 296,280.17
Other Liabilities & Provisions 43,746.43 15,501.18
Total Liabilities 379,300.96 363,399.72
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Asset Mar '09 Mar '10
Cash & Balances withRBI 17,536.33 27,514.29
Balance with Banks,
Money at Call12,430.23 11,359.40
Advances 218,310.85 181,205.60
Investments 103,058.31 120,892.80
Gross Block 7,443.71 7,114.12Accumulated
Depreciation3,642.09 3,901.43
Net Block 3,801.62 3,212.69
Total Assets 379,300.96 363,399.71
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Balance Sheet shows that there is :-
Decrease in total asset by 4.2%
Net advances decreased by 17.0% , due to
increase in rupee
Total investments increased by 17.3% due to an
increase in investment in government and other
approved securities.
Equity share capital and reserves increased due
to annual accretion to reserves out of profits
Total deposits decreased by 7.5% due to
conscious strategy of reducing wholesale deposits.
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Profit & Loss accountMar '09 Mar '10
IncomeInterest Earned 31,092.55 25,706.93
Other Income 8,117.76 7,292.43
Total Income 39,210.31 32,999.36
ExpensesInterest expended 22,725.93 17,592.57
Employee Cost 1,971.70 1,925.79
Selling and Admin Expenses 5,977.72 6,056.48
Depreciation 678.60 619.50
Miscellaneous Expenses 4,098.22 2,780.03
Preoperative Exp Capitalised 0.00 0.00
Operating Expenses 10,795.14 10,221.99
Provisions & Contingencies 1,931.10 1,159.81
Total Ex enses 35 452.17 28 974.37
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Total income is more than total expenses, but
they decrease as compare to previous year.
This time company has enough income which
can be used for future operations.
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Cash Flow Statement
Mar ' 10 Mar ' 09
rofit before tax 5,345.32 5,116.97
Net cash flow-operating
activity1,869.21 -14,188.49
Net cash used in investing
activity6,150.73 3,857.88
Net cash used in fin. activity 1,382.62 1,625.36
Net inc/dec in cash and
equivlnt8,907.13 -8,074.57
Cash and equivalnt begin of
year29,966.56 38,041.13
Cash and equivalnt end ofear
38,873.69 29,966.56
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Increase in operating activity Due to decrease in
current asset and increase in current liabilities
Increase in investing activities - More disposal of
assets result in inflow of cash
Decrease in finance activities depicts Proceeds
from issue of share capital and repayment of bonds
As there is huge increase in cash shows goodfinancial condition of ICICI bank
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Accounting RatiosProfitability Ratio
oGross profit Ratio => 15.06%o Return On Investment = 7.79%
oEPS = 36.10
Turnover Ratioo Fixed asset turnover ratio = 4.60
Liquidity Ratio
oCurrent ratio = 1.94oLiquid Ratio = 14.70
Solvency Ratio
o
Total debts ratio = 3.91
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References
Books:-
Elements of book keeping, Juneja Chawla Saksena, KalyaniPublishers, 11th edition 2004, Chapter 10 and 11.
Analysis of financial statement, Part B, Janardan Pillay,Ajith Book
Centre, Chapter 11,12,14 and 16.
Websites:-
http://money.rediff.com/companies/icici-bank-ltd/14030056/balance-sheet
http://en.wikipedia.org/wiki/ICICI_Bank
Report:-
ICICI Bank Annual Report FY 2010
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ThankYou
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