Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.18%
Net Profit Growth (5y)
23.44%
Advance to Deposit
86.04%
Capital Adequacy Ratio (Tier 1)
16.07%
Gross NPA (latest)
1.38%
Gross NPA (avg)
2.27%
Coverage Ratio (avg)
78.86%
Cost to Income (avg)
39.75%
Net Interest Margin (avg)
4.61%
Operating Profit to Assets (avg)
5.87%
ROA (avg)
2.13%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Price to Book Value
2.77
PEG Ratio
3.11
Dividend Yield
0.89%
ROE (Latest)
14.88%
ROA (Latest)
2.22%
Net NPA to Book Value
1.68
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA(Q)
Lowest at 1.38%
NII(Q)
Highest at Rs 24,384.35 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 88.97%
INTEREST EARNED(Q)
Highest at Rs 45,670.78 cr
PBDIT(Q)
Highest at Rs 11,810.01 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 25.86%
PAT(Q)
Highest at Rs 14,804.50 cr.
EPS(Q)
Highest at Rs 20.63
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 44.84 % of Profit Before Tax (PBT
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Here's what is working for ICICI Bank
Gross NPA - Quarterly
Lowest at 1.38% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 24,384.35 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 45,670.78 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 11,810.01 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 25.86%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
Highest at Rs 14,804.50 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 20.63
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 88.97%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for ICICI Bank
Non Operating Income - Quarterly
is 44.84 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Non Operating Income - Quarterly
Highest at Rs 8,576.06 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
