ICICI Bank Limited (Industrial Credit and Investment Corporation of
India) is an Indian multinational banking and financial services
company headquartered in Mumbai, Maharashtra with its registered
office in Vadodara, Gujarat. As of 2018, ICICI Bank is the second
largest bank in India in terms of assets and market capitalisation. It
offers a wide range of banking products and financial services for
corporate and retail customers through a variety of delivery channels
and specialised subsidiaries in the areas of investment banking, life,
non-life insurance, venture capital and asset management.
OBJECTIVES
Objectives are the end that states specifically how goals is to be achieved .
The objective of the study gives direction to go through the research problem.
PRIMARY OBJECTIVES
To analyse the financial statement of the company to assess the true financial
position of the company.
SECONDARY OBJECTIVES
To find out the shortcomings in ICICI Bank.
To see whether ICICI Bank is going well or not in different areas.
Official site
CASE STUDY of ICICI
BANK
RESEARCH METHODOLOGY
WIKIPEDIA Books and
Newspaper
FINANCIAL
ANALYSIS
OF
FINANCIAL ANALYSIS ?
• Determining the financial strength and weakness of the firm with the help of
balance sheet P/L account and other operative data.
SELECTION OF RELEVANT INFORMATION
ARRANGE THE INFORMATION
INTERPRETATION AND CONCLUSION
Particulars Mar'18 Mar'17 Mar'16 Mar'15 Mar'14
Liabilities 12 Months 12 Months 12 Month 12 Months 12 Months
Share Capital 1291.38 1171.36 1169.85 1167.10 1161.62
Reserves 100864.37 95737.57 85748.24 79262.26 72051.71
Net Worth 105158.94 99951.07 89735.58 80429.36 73213.33
Secured Loan 182858.62 147556.15 174807.38 172417.35 154759.05
Unsecured Loan 560975.21 490039.06 421425.71 361562.7 331913.66
TOTAL LIABILITIES 848992.77 737546.29 685968.67 614409.44 559886.04
Assets
Gross Block 7903.51 7805.21 7576.92 4725.52 4678.14
(-) Acc.Depreciation.00 .00 .00 .00 .00
Net Block 7903.51 7805.21 4759.45 4725.52 4678.14
Capital Work inProgress .00 .00 .00 .00 .00
Investments 202994.18 161506.55 160411.80 186580.03 177021.82
Inventories .00 .00 .00 .00 .00
Sundry Debtors .00 .00 .00 .00 .00
Cash and Bank 84169.38 75713.06 59868.74 42304.62 41529.60
Loans and Advance 584122.08 526766.63 492837.65 412519.12 371412.04
Total Current Assets 668291.47 602479.69 552706.39 454823.74 412941.63
Current Liabilities 30196.40 34245.16 34726.43 31719.86 34755.55
Provisions .00 .00 .00 .00 .00
Total Current Liabilities 30196.40 34245.16 34726.43 31719.86 34755.55
NET CURRENT ASSETS 638095.07 568234.53 517979.95 423103.88 378186.09
Misc.Expenses .00 .00 .00 .00 .00
TOTAL ASSETS(A+B+C+D+E) 851995.96 740588.43 685968.67 614409.44 559886.04
INTERPRETATION
• There is a huge fluctuation in the rate of increase in reserves
and surplus. This shows the bank is effectively increasing its
reserves and surplus.
• There is a sudden increase in investments in the last two
years which tells the growth of the bank.
• There is a increase of 10.24% in share capital from 2017-2018
• There in a increase of 8.25% in the net current assets 2017-
2018
• There has been fluctuation regarding the assets loans and
advances which is a good sign.
RATIOS ANALYSIS
Current Ratio
If the current assets are more than twice the current liabilities then the
company I said to have good financial strength. If vice versa then the
company may face problem regarding its short term obligations .
CURRENT RATIO=CURRENT ASSETS/CURRENT LAIBILITIES
YEAR CURRENT CURRENT CURRENT RATIO
ASSETS LIABLITIES
2014 668291.47 674974.38 1.01
2015 602479.69 704900.43 1.17
2016 552706.39 768261.34 1.39
2017 454823.74 618560.28 1.36
2018 412941.63 507918.20 1.23
LIQUID RATIO
LIQUID RATIO = TOTAL QUICK ASSET/TOTAL CURRENT LIABILITIES
YEAR TOTAL QUICK TOTAL CURRENT LIQUID RATIO
ASSET LIABILITIES
2018 668291.47 678196.40 0.85
2017 602479.69 619245.16 0.94
2016 552706.39 554926.43 0.45
2015 454823.74 468719.86 0.63
As the liquid ratio is not 1:1 but is close to it in the year 2017 and 2018
which means the firm is not managing their firm well.
EARNING PER SHARE
YEAR EPS
2018 10.56
2017 15.31
2016 16.75
2015 19.32
2014 84.99
EPS = Net Profit / Total Number of Shares
Earning per share is the most commonly determinant of the prosperity of the
company. Here there is decline in eps from 2014 to 2018 due to decline in profits.
FINDINGS
• Profit before tax (2018)was 5117 crores which is 61 crores
more than the previous year.
• Profit after tax (2018) was 3785 crores which is 350 crores less
than the previous year due to the higher effective tax rate.
• Net income increased 15% from 7304 crores to 8367 crores.
• Operating expenses decreased 14% to 6835 crores from
7972 crores.
THANK YOU
