RETAIL FINANCE

ICICI Bank is a Second largest bank in India by assets & third largest by
market capitalization.

Bank has presence in 19 countries with a network of 2575 branches & 8000
ATM.

Products
Corporate banking, Finance & Insurance, Investment Banking, Mortgage loan, Private
banking & Wealth Management


INTRODUCTION ICICI
BANK
2
Revenue-USD 13.82 billion
Profit-USD 1.66 billion
Total assets-USD 119.69 billion
Total Equity-USD 12.21billion
Employee-80,000

ICICI
3
It had begun operations in 1994, after the Government of India allowed new
private banks to be established
The Bank has an extensive network of more than 1600 branches and over
10000 ATMs
Product
Credit cards, consumer banking, corporate banking, finance and insurance, investment
banking, mortgage loans, private banking, private equity and wealth management


INTRODUCTION AXIS
BANK
4
Operating revenue - 134.37 billion
Net profit - 42.42 billion.
Total assets-USD 1.94 billion
Employee - 33,587

AXIS BANK
5
It is establishment of relevant financial relationship between
components of financial statements. Financial ratios are the
significant indicator of a company financial health.
6
RATIO ANALYSIS
It measures the degree of operating success of the
company.

Profit Margin Ratio
Asset Turnover Ratio
Earning per share Ratio
7
PROFITABILITY RATIO


Net Profit
Revenue

It measures the amount of net profit earned by each rupee of revenue
PROFIT MARGIN RATIO.
8
Year ICICI BANK AXIS BANK
2011 8.66% 7.29%
2010 6.46% 7.14%


Revenue
Average Total Asset

It measures firms efficiency in utilizing its assets

ASSET TURNOVER RATIO
9
Year ICICI BANK AXIS BANK
2011 0.15 0.21
2010 0.16 0.16

NPAT+Peference Dividend
No. of Equity Shares

EPS is useful in comparing companies performance
EARNING PER SHARE
10
Year ICICI BANK AXIS BANK
2011 44.72 81.35
2010 34.94 66.16
1.It indicates the business is affected by the extent of the debt used to finance the asset of
the company.
2.The presence of heavy debt in a companies capital structure is thought to reduce the
companies solvency because debt is more risky than Equity
Debt-to-Equity Ratio
Interest Coverage Ratio
Credit-to Deposit Ratio
NPA Ratio
CASA Ratio
SOLVENCY RATIO
11


Secured + Unsecured Loan
Shareholders Equity

It measures the relationship of capital provided by creditors to the amount
provided by the shareholders



DEBT-TO-EQUITY RATIO
12
Year ICICI BANK AXIS BANK
2011 6.37 11.83
2010 6.04 10.29

PBIT
Interest Expenses

It measures the protection available to creditors for payment of interest
charges by the company

INTEREST COVERAGE RATIO
13
Year ICICI BANK AXIS BANK
2011 1.39 1.59
2010 1.30 1.57

Total Advances
Total Deposit

It Indicates how much of the Advances lent by bank is done through deposit.
Higher the ratio, the higher the loan-assets credited from deposit
CREDIT -TO-DEPOSIT
RATIO
14
Year ICICI Bank Axis Bank
2011 95.90% 75.28%
2010 89.69% 73.85%

Net NPA
Net Customer Assets
It used as a measure of the overall quality of the banks loan book. An NPA
are those assets for which interest is overdue for more than 90 days.
Higher ratio reflects rising bad quality of loans

NON PERFORMING
ASSETS RATIO
15
Year ICICI Bank Axis Bank
2011 0.94% 0.26%
2010 1.86% 0.36%
Current & Saving a/c deposits
Total Deposits
The CASA ratio shows how much deposit a bank has in the form of current
and saving account deposits in the total deposit.
A higher CASA ratio means higher portion of the deposits of the bank has
come from current and savings deposit, which is generally a cheaper source of
fund. Higher the CASA ratio better the net interest margin, which means
better operating efficiency of the bank.
CASA RATIO
Year ICICI Bank Axis Bank
2011 45% 41%
2010 41% 46%

Tier one capital + Tier two capital
Risk Weighted Assets
This ratio is used to protect depositors and promote the stability and
efficiency of financial system around the world.
CAPITAL ADEQUACY
RATIO
17
Year ICICI BANK AXIS BANK
2011 13.11% 17.42%
2010 29.72% 36.5%

It relate the market price of a companys share to the company
earning & dividends

Price Earning Ratio
CAPITAL MARKET
RATIO
18
Market price per Equity share
Earning per Share


It is a indicator of firms growth prospect. High price earning ratio indicates
the stock market confidence in companys future earning growth




PRICE EARNING RATIO
19
Year ICICI BANK AXIS BANK
2011 19.78 16.09
2010 23.47 15.26
KEY RATIOS AT A GLANCE
20
Ratios ICICI
BANK(2011)
AXIS
BANK(2011)
ICICI
BANK(2010)
AXIS
BANK(2010)
ROE 6.4% 5.1% 2.7% 2.1%
PE Ratio 19.78 16.09 23.47 15.26
CASA Ratio 45% 41% 41% 46%
NPA Ratio 0.94% 0.26% 1.86% 0.36%
Capital
Adequacy ratio
13.11% 17.42% 29.72% 36.5%
THANK YOU
21
Niti Modi- 31
Rahul Rai - 37