ICICIBANK

ICICI Bank Limited

Business Segments Retail Banking: Largest revenue driver, covering home loans, auto loans, personal loans, credit cards, and deposits. Corporate Banking: Offers working capital, trade finance, and term loans to corporates, SMEs, and public sector enterprises. Treasury & Investment: Manages liquidity, investments, and risk management activities. Subsidiaries: ICICI Prudential Life Insurance, ICICI Lombard General Insurance, ICICI Securities, and ICICI AMC contribute to overall profitability and brand presence. Financial Overview FY24-25 Revenue: Around ₹1.4 lakh crore Net Profit: ~₹43,000 crore Net Interest Margin (NIM): ~4.5% Gross NPA: ~2.2% (declining trend) Capital Adequacy Ratio: ~17.5% Return on Equity (ROE): ~17–18% CASA Ratio: Around 43% Loan Book: ~₹14 lakh crore Strengths Strong retail loan growth with high-quality underwriting standards. Robust digital presence and early adoption of AI-driven financial products. Consistent improvement in asset quality and credit cost reduction. Well-diversified business model with strong subsidiaries. Focused execution under management leading to superior return ratios. Weaknesses High exposure to unsecured retail loans and credit cards (though managed prudently). Dependence on macroeconomic stability for corporate loan growth. Competitive pressure on deposit mobilization due to rising interest rates. Slightly lower market valuation premium compared to HDFC Bank.