ICICI Bank

Previous
Years
------------------ in Rs. Cr.
------------------

Mar '13

Mar '12

Mar '11

Mar '10

Mar '09

10

10

10

10

10

--

--

--

--

--

Operating
Profit Per
Share (Rs)

-112.54

-78.85

-125.17

-120.46

-120.35

Net
Operating
Profit Per
Share (Rs)

389.09

398.05

325.97

347.53

398.65

--

380.08

353.96

348.48

324.39

--

--

--

--

--

--

--

--

--

12.94

11.47

9.28

6.58

11.48

9.94

7.85

5.63

60.94

57.98

50.09

53.53

68.05

13.96

12.47

11.01

9.1

7.64

14.73

12.96

11.37

9.28

7.22

596.04

531.56

480.15

460.12

420.19

Investment Valuation
Ratios
Face Value
Dividend
Per Share

Free
Reserves
Per Share
(Rs)
Bonus in
Equity
Capital

Profitability Ratios
Interest
Spread
-Adjusted
Cash
Margin(%)
14.49
Net Profit
Margin
12.94
Return on
Long Term
Fund(%)
Return on
Net
Worth(%)
Adjusted
Return on
Net
Worth(%)
Return on
Assets
Excluding
Revaluation
s

Return on
Assets
Including
Revaluation
s
596.04
Management Efficiency
Ratios

531.56

480.15

460.12

420.19

Interest
Income /
Total Funds

7.04

8.08

7.36

7.99

9.18

Net Interest
Income /
Total Funds

2.6

3.68

3.57

3.72

3.7

Non
Interest
Income /
Total Funds

4.6

3.64

4.65

4.28

3.96

Interest
Expended /
Total Funds

4.43

4.41

3.79

4.27

5.48

Operating
Expense /
Total Funds

4.64

5.28

6.39

6.48

6.47

Profit
Before
Provisions /
Total Funds

2.46

1.92

1.68

1.35

1.02

1.59

1.4

1.24

0.7

Net Profit /
Total Funds
Loans
Turnover

0.33

0.18

0.16

0.16

0.18

Total
Income /
Capital
Employed(
%)

11.63

11.72

12

12.27

13.14

Interest
Expended /
Capital
Employed(
%)

4.43

4.41

3.79

4.27

5.48

0.07

0.08

0.07

0.08

0.09

0.08

0.1

0.09

4.69

5.18

63.02

65.83

64.3

68.75

73.07

Total
Assets
Turnover
Ratios
Asset
Turnover
Ratio
Profit And Loss
Account Ratios
Interest
Expended /
Interest
Earned

Other
Income /
Total
Income

39.51

31.05

38.7

34.87

30.13

Operating
Expense /
Total
Income

39.87

45.02

53.26

52.86

49.26

--

1.49

1.71

1.76

2.12

Balance Sheet Ratios

Capital
Adequacy
Ratio
18.74
Advances /
Loans
Funds(%)
--

--

--

--

14.73

65.25

65.63

60.77

71.91

94.95

91.58

93.54

92.19

83.08

79.09

66.43

57.19

7.76

9.8

9.08

8.85

4.6

4.69

4.71

5.61

Selling
Distribution
Cost
Compositio
n

Debt Coverage Ratios

Credit
Deposit
Ratio
45.28
Investment
Deposit
Ratio
83.04
Cash
Deposit
Ratio
6.71
Total Debt
to Owners
Fund
4.58
Financial
Charges
Coverage
Ratio

1.58

1.46

1.48

1.35

1.22

Financial
Charges
Coverage
Ratio Post
Tax

1.36

1.33

1.35

1.26

1.17

Leverage Ratios
Current
Ratio

0.84

0.12

0.1

0.11

0.11

Quick Ratio
3.29
Cash Flow Indicator
Ratios
Dividend
Payout
Ratio Net
Profit
28.12

3.44

3.26

3.5

3.71

29.14

30.8

33.53

40.06

26.4

26.79

27.46

28.82

32.68

73.34

71.95

70.16

67.11

57.58

Dividend
Payout
Ratio Cash
Profit
Earning
Retention
Ratio

Cash
Earning
Retention
Ratio
AdjustedCa
sh Flow
Times

74.89

74.14

73.3

71.65

65.76

29.27

32.74

36.87

43.73

62.58

his data
can be
easily copy
pasted into
a Microsoft
Excel sheet

Yes
Bank
------------------ in Rs. Cr.
------------------

Mar '13
Investment Valuation
Ratios
Face Value
Dividend
Per Share

10
--

Operating
Profit Per
Share (Rs)

58.33

Net
Operating
Profit Per
Share (Rs)

267.57

Free
Reserves
Per Share
(Rs)
Bonus in
Equity
Capital

117.98

--

Profitability Ratios
Interest
Spread
-Adjusted
Cash
Margin(%)
14.15
Net Profit
Margin
13.61
Return on
Long Term
Fund(%)
Return on
Net
Worth(%)

137.77

22.39

Adjusted
Return on
Net
Worth(%)
Return on
Assets
Excluding
Revaluation
s

22.4

161.94

Return on
Assets
Including
Revaluation
s
161.94
Management
Efficiency Ratios
Interest
Income /
Total Funds

9.68

Net Interest
Income /
Total Funds

3.55

Non
Interest
Income /
Total Funds

-0.04

Interest
Expended /
Total Funds

6.13

Operating
Expense /
Total Funds

1.44

Profit
Before
Provisions /
Total Funds

2.02

Net Profit /
Total Funds
Loans
Turnover

1.31
0.2

Total
Income /
Capital
Employed(
%)

9.64

Interest
Expended /
Capital
Employed(
%)

6.13

Total
Assets
Turnover
Ratios
Asset
Turnover
Ratio
Profit And Loss
Account Ratios
Interest
Expended /
Interest
Earned

73.25

Other
Income /
Total
Income

-0.42

Operating
Expense /
Total
Income

14.95

Selling
Distribution
Cost
Compositio
n

0.33

0.1

--

Balance Sheet Ratios

Capital
Adequacy
Ratio
-Advances /
Loans
Funds(%)
53.48
Debt Coverage Ratios
Credit
Deposit
Ratio
70.2
Investment
Deposit
Ratio
64.19
Cash
Deposit
Ratio
4.99
Total Debt
to Owners
Fund
11.53
Financial
Charges
Coverage
Ratio

1.34

Financial
Charges
Coverage
Ratio Post
Tax

1.22

Leverage Ratios

Current
Ratio

0.07

Quick Ratio
10.15
Cash Flow Indicator
Ratios
Dividend
Payout
Ratio Net
Profit
19.22
Dividend
Payout
Ratio Cash
Profit
Earning
Retention
Ratio

18.49

Cash
Earning
Retention
Ratio
AdjustedCa
sh Flow
Times

81.52

80.79

49.49

State
Bank of
India

Previous
Years
------------------ in Rs. Cr.
------------------

Mar '13

Mar '12

Mar '11

Mar '10

Mar '09

10

10

10

10

10

--

--

--

--

--

Operating
Profit Per
Share (Rs)

144.99

175.52

117.59

144.46

169.69

Net
Operating
Profit Per
Share (Rs)

2,455.71

2,393.43

2,071.54

1,939.33

1,616.96

--

851.48

645.63

571.22

502.39

--

--

--

--

--

--

--

--

--

9.87

8.56

9.87

10.83

8.7

7.26

8.67

9.8

106.13

106.66

103.78

104.21

112.68

14.32

14.44

12.8

14.11

15.13

14.65

15.08

13.41

14.46

15.44

Investment Valuation
Ratios
Face Value
Dividend
Per Share

Free
Reserves
Per Share
(Rs)
Bonus in
Equity
Capital

Profitability Ratios
Interest
Spread
-Adjusted
Cash
Margin(%)
9.92
Net Profit
Margin
8.93
Return on
Long Term
Fund(%)
Return on
Net
Worth(%)
Adjusted
Return on
Net
Worth(%)

Return on
Assets
Excluding
Revaluation
s

1,827.89

Return on
Assets
Including
Revaluation
s
1,827.89
Management
Efficiency Ratios

1,583.05

1,314.51

1,309.46

1,140.22

1,583.05

1,314.51

1,309.46

1,140.22

Interest
Income /
Total Funds

8.49

9.25

8.51

8.95

8.82

Net Interest
Income /
Total Funds

3.09

4.11

4.1

4.11

3.44

Non
Interest
Income /
Total Funds

1.65

0.9

1.01

0.88

0.78

Interest
Expended /
Total Funds

5.4

5.15

4.4

4.85

5.38

Operating
Expense /
Total Funds

2.59

3.43

3.62

3.44

2.51

Profit
Before
Provisions /
Total Funds

2.07

1.5

1.4

1.45

1.63

0.93

0.92

0.72

0.87

0.96

0.29

0.15

0.14

0.15

0.15

Total
Income /
Capital
Employed(
%)

10.14

10.15

9.51

9.83

9.6

Interest
Expended /
Capital
Employed(
%)

5.4

5.15

4.4

4.85

5.38

0.08

0.09

0.08

0.09

0.09

Net Profit /
Total Funds
Loans
Turnover

Total
Assets
Turnover
Ratios

Asset
Turnover
Ratio
Profit And Loss
Account Ratios
Interest
Expended /
Interest
Earned

0.09

0.1

7.5

7.75

7.3

63.59

60.68

59.92

66.58

68.32

Other
Income /
Total
Income

16.25

8.86

10.58

8.94

8.13

Operating
Expense /
Total
Income

25.55

33.77

38.06

34.99

26.18

--

0.21

0.32

0.27

0.32

Balance Sheet Ratios

Capital
Adequacy
Ratio
-Advances /
Loans
Funds(%)
--

--

--

--

14.25

78.34

76.34

75.12

78.2

81.27

79.08

76.11

75.69

32.96

34.65

36.41

36.13

7.44

8.5

7.35

8.33

13.32

15.04

13.43

13.98

Selling
Distribution
Cost
Compositio
n

Debt Coverage Ratios

Credit
Deposit
Ratio
38.25
Investment
Deposit
Ratio
32.23
Cash
Deposit
Ratio
5.55
Total Debt
to Owners
Fund
13.02
Financial
Charges
Coverage
Ratio

1.4

1.31

1.34

1.32

1.32

Financial
Charges
Coverage
Ratio Post
Tax

1.18

1.19

1.18

1.2

1.19

Leverage Ratios
Current
Ratio

0.81

0.05

0.04

0.04

0.04

Quick Ratio

8.97

8.91

7.26

7.96

5.7

Cash Flow Indicator

Ratios
Dividend
Payout
Ratio Net
Profit
18.52

17.83

21.13

18.97

19.63

Dividend
Payout
Ratio Cash
Profit
Earning
Retention
Ratio

17.02

16.36

18.69

17.04

18.09

81.89

82.92

79.84

81.49

80.76

Cash
Earning
Retention
Ratio
AdjustedCa
sh Flow
Times

83.32

84.28

82.08

83.33

82.24

81.78

81.28

99.65

83.62

83.58