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ICICI Bank

ICICI Bank

Items

Items
2012

2013

2012

Deposits
a) 1 - 14 days
b) 15 - 28 days
c) 29 days to 3 months
d) Over 3 months to 6 months
e) Over 6 months to 1 year
f) Over 1 year to 3 years
g) Over 3 years to 5 years
h) Over 5 years
Borrowings

2555000
119150
97134
273132
288255
452113
690127
228550
406539
1401649

2926136
180426
78776
303018
265481
459086
442489
600624
596237
1453415

Investments (at book value)


a) 1 - 14 days
b) 15 - 28 days
c) 29 days to 3 months
d) Over 3 months to 6 months
e) Over 6 months to 1 year
f) Over 1 year to 3 years
g) Over 3 years to 5 years
h) Over 5 years
Foreign Currency Assets

1595600
302520
95724
77392
87628
149467
245244
152923
484703
970494

a) 1 - 14 days
b) 15 - 28 days
c) 29 days to 3 months
d) Over 3 months to 6 months
e) Over 6 months to 1 year
f) Over 1 year to 3 years
g) Over 3 years to 5 years
h) Over 5 years
Loans and Advances
a) 1 - 14 days
b) 15 - 28 days
c) 29 days to 3 months
d) Over 3 months to 6 months
e) Over 6 months to 1 year
f) Over 1 year to 3 years
g) Over 3 years to 5 years
h) Over 5 years

177087
26841
80938
141607
223622
173521
197146
380888
2537277
33971
39002
142209
188829
336379
1043884
388469
364534

188230
8271
84904
126686
158589
208659
232054
446022
2902494
41275
56985
185649
204593
319463
1185746
493900
414884

a) 1 - 14 days
b) 15 - 28 days
c) 29 days to 3 months
d) Over 3 months to 6 months
e) Over 6 months to 1 year
f) Over 1 year to 3 years
g) Over 3 years to 5 years
h) Over 5 years
Foreign Currency Liabilities
a) 1 - 14 days
b) 15 - 28 days
c) 29 days to 3 months
d) Over 3 months to 6 months
e) Over 6 months to 1 year
f) Over 1 year to 3 years
g) Over 3 years to 5 years
h) Over 5 years

110715
21210
67039
73970
95327
172330
147925
281978
1047889
19216
25492
114906
129865
241781
197466
140533
178630

GAP ANALYSIS
ICICI Bank

All figures in Million Rs

Liabilities
2013

1713936
331852
117813
98700
77242
158406
241872
212552
475500
1025475

130877
29492
84485
71475
59533
206040
194086
249487
1136241
86482
25584
107712
151527
199375
212433
163473
189654

Assets

Risk Sensitive Liabilities


Short Term deposits
Short term borrowings

2012
2013 Risk sensitive assets
1229784 1286787 Loans and Advances
650095 566680 Short term investments

Total RSL
Fixed rate liabilities
Long Term deposits
Long term borrowings

1879879 1853467 Total RSA


Fixed rate assets
1325216 1639350 Long term Loans and a
751555 886735 Long term investments
2076771 2526085

Gap

2012
-426758

2013
-261489

Change in net interest income


(for 1% increase in interest
rate)
Gap Ratio

-4267.58 -2614.89
0.77
0.86

1) As seen above ICICI has a negative gap and hence is a Liability sensitive bank
2) The gap is seen to be decreasing from 2012 to 2013
3) Here some of the fixed rate assets are bing financed by rate sensitive liabilities
4) Foreign Currency assets and liabilities are not considered as these do not get
affected by Interest rate changes by RBI

n Million Rs

Assets
2012
740390
712731

2013
807965
784013

1453121 1591978
1796887 2094530
882870 929924
2679757 3024454

lity sensitive bank

sensitive liabilities
s these do not get