ICICI Bank Limited (IBN) 10-Year Financial Performance & Capital Metrics

IBN • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingInternational Trade Banking

AboutICICI Bank Limited, together with its subsidiaries, engages in the provision of various banking and financial services to retail and corporate customers in India and internationally. The company operates through Retail Banking, Wholesale Banking, Treasury, Other Banking, Life Insurance, and Others segments. It accepts savings, salary, pension, current, trade, escrow, foreign currency, and vostro accounts, as well as time, fixed, recurring, and security deposits services. The company also provides home, car, two-wheeler, personal, gold, and commercial business loans, as well as loans against securities and other loans; business loans, including working capital finance, term loans, collateral free loans, loans without financials, finance for importers and exporters, and overdraft facilities, as well as loans for new entities and card swipes; and credit, debit, prepaid, travel, forex, and corporate cards. In addition, it offers pockets wallet; fixed income products; investment products, such as mutual funds, gold monetization schemes, initial public offerings, and other online investment services; and agri and rural business, farmer finance, tractor loans, and micro banking services. Further, the company provides portfolio management, trade, foreign exchange, locker, private and NRI banking, and cash management services; family wealth and demat accounts; commercial and investment banking, capital market, custodial, and institutional banking services; health, personal accident, fire, and motor insurance, as well as distributes general and life insurance products; and Internet, mobile, and phone banking services. Additionally, it offers securities investment, broking, trading, and underwriting services; and merchant banking, trusteeship, housing finance, pension fund management, asset management, investment advisory, points of presence, and private equity/venture capital fund management services. The company was founded in 1955 and is headquartered in Mumbai, India.Show more

Net Interest Income $973.03B +13.9%
Total Revenue $2945.86B +25.2%
Net Income $510.29B +15.3%
Return on Equity 17.04% -5.4%
Net Interest Margin 3.68% +1.9%
Efficiency Ratio 43.38% +3.4%
ROA 2.04% -0.4%
Equity / Assets 12.44% +8.9%
Book Value per Share 916.60 +21.0%
Tangible BV/Share 893.02 +19.0%
Debt/Equity 0.62 -16.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 39.8%
✓Strong NIM of 3.7%
✓Efficient operations: 43.4% efficiency ratio
✓Well capitalized: 12.4% equity/assets
✓Good 3Y average ROE of 17.2%
✓Diversified revenue: 36.7% from non-interest income

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.56%

5Y14.51%

3Y23.2%

TTM-

Profit (Net Income) CAGR

10Y15.34%

5Y39.77%

3Y26.67%

TTM16.72%

EPS CAGR

10Y14.09%

5Y37.36%

3Y26.09%

TTM16.08%

ROCE

10Y Avg3.96%

5Y Avg5.97%

3Y Avg7.38%

Latest7.7%

Peer Comparison

International Trade Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CATYCathay General Bancorp	3.46B	50.81	12.86	6.11%	20.56%	10.5%	9.42%	0.08
IBOCInternational Bancshares Corporation	4.39B	70.69	10.76	7.5%	39.23%	13.44%	10.46%	0.23
BLXBanco Latinoamericano de Comercio Exterior, S. A.	1.29B	44.99	8.03	18.61%	25.4%	15.57%		3.43
HDBHDFC Bank Limited	166.72B	32.51	0.23	19.15%	16.06%	12.21%	100%	0.86
IBNICICI Bank Limited	110.22B	30.82	0.22	25.19%	17.32%	15.31%		0.62
MFGMizuho Financial Group, Inc.	104.86B	8.49	0.12	9.47%	10.3%	9.11%		5.79
KBKB Financial Group Inc.	31.94B	89.08	0.01	3.73%	13.45%	9.46%	100%	2.35
SHGShinhan Financial Group Co., Ltd.	26.05B	54.10	0.01	4.66%	12.58%	8.03%	100%	2.55

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	252.97B	261.04B	279B	328.04B	401.7B	465.04B	542.4B	705.23B	854.08B	973.03B
NII Growth %	0.12%	0.03%	0.07%	0.18%	0.22%	0.16%	0.17%	0.3%	0.21%	0.14%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	592.94B	609.4B	621.62B	719.82B	848.36B	891.63B	954.07B	1.21T	1.6T	1.86T
Interest Expense	339.96B	348.36B	342.62B	391.78B	446.66B	426.59B	411.67B	505.43B	741.08B	890.27B
Loan Loss Provision	156.83B	190.51B	198.52B	221.81B	223.77B	220.42B	174.34B	55.48B	9.64B	49.06B
Non-Interest Income+	420.76B	524.59B	568.04B	593.27B	647.75B	720.36B	621.24B	636.66B	758.02B	1.08T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.01T	1.13T	1.19T	1.31T	1.5T	1.61T	1.58T	1.85T	2.35T	2.95T
Revenue Growth %	0.12%	0.12%	0.05%	0.1%	0.14%	0.08%	-0.02%	0.17%	0.27%	0.25%
Non-Interest Expense	407.63B	481.71B	557.53B	642.61B	713.43B	761.34B	723.92B	813.86B	987.38B	1.28T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	109.27B	113.4B	91B	56.89B	112.25B	203.64B	265.38B	472.55B	615.08B	730.04B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.16%	0.04%	-0.2%	-0.37%	0.97%	0.81%	0.3%	0.78%	0.3%	0.19%
Pretax Income+	109.27B	113.4B	91B	56.89B	112.25B	203.64B	265.38B	472.55B	615.08B	730.04B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	0	0	0	0	0	0	117.93B	154.28B	184.35B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	101.8B	101.88B	77.12B	42.54B	95.66B	183.84B	251.1B	340.37B	442.56B	510.29B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.17%	0%	-0.24%	-0.45%	1.25%	0.92%	0.37%	0.36%	0.3%	0.15%
Net Income (Continuing)	109.27B	113.4B	91B	56.89B	112.25B	203.64B	265.38B	354.61B	460.81B	545.69B
EPS (Diluted)+	31.66	31.70	23.78	12.62	29.10	53.74	70.98	95.82	124.10	142.28
EPS Growth %	-0.17%	0%	-0.25%	-0.47%	1.31%	0.85%	0.32%	0.35%	0.3%	0.15%
EPS (Basic)	31.86	31.84	24.04	12.62	29.62	54.52	72.42	97.72	126.38	144.82
Diluted Shares Outstanding	3.37B	3.37B	3.37B	3.37B	3.37B	3.42B	3.54B	3.55B	3.57B	3.59B

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	944.56B	1.06T	1.18T	1.18T	1.6T	1.82T	2.14T	1.64T	1.9T	2.14T
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	7.67T	8.01T	9.11T	10.09T	11.04T	12.94T	12.99T	15.47T	18.9T	23.07T
Investments Growth %	0.1%	0.04%	0.14%	0.11%	0.09%	0.17%	0%	0.19%	0.22%	0.22%
Long-Term Investments	7.67T	8.01T	9.11T	10.09T	11.04T	12.94T	12.99T	15.47T	18.9T	23.07T
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	1.08B	1.01B	1.01B	24.74B	84.59B
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	87.13B	93.38B	94.65B	96.6B	104.09B	108.09B	106.05B	109.69B	132.4B	158.12B
Other Assets	176.13B	287.88B	324.5B	334.48B	297.05B	272B	1.59T	1.61T	1.89T	969.06B
Total Current Assets	1.17T	1.35T	1.57T	1.65T	2.17T	2.27T	2.73T	2.29T	2.62T	2.14T
Total Non-Current Assets	8.02T	8.51T	9.68T	10.74T	11.61T	13.47T	14.8T	17.29T	21.02T	24.28T
Total Assets+	9.19T	9.86T	11.24T	12.39T	13.77T	15.74T	17.53T	19.58T	23.64T	26.42T
Asset Growth %	0.11%	0.07%	0.14%	0.1%	0.11%	0.14%	0.11%	0.12%	0.21%	0.12%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0%	0.01%	0.01%	0.02%	0.02%	0.02%	0.02%
Accounts Payable	35.09B	35.01B	35.9B	36.65B	30.71B	24.83B	27.52B	33.39B	38.99B	42.15B
Total Debt+	2.09T	1.86T	2.15T	2.03T	1.99T	1.4T	1.59T	1.84T	2.01T	2.04T
Net Debt	1.14T	802.03B	972.7B	842.51B	397.46B	-412.7B	-550.53B	199.42B	108.69B	48.6B
Long-Term Debt	2.08T	1.85T	2.14T	2.01T	1.96T	1.36T	1.49T	1.74T	1.84T	2.19T
Short-Term Debt	8.7B	12.07B	12.9B	19.1B	32.37B	42.19B	90.35B	98.02B	172.96B	226.22B
Other Liabilities	1.58T	1.74T	2.03T	2.29T	2.42T	3T	3.09T	3.36T	4.42T	4.53T
Total Current Liabilities	4.56T	5.18T	5.91T	6.88T	8.1T	9.7T	11.06T	12.28T	14.69T	16.42T
Total Non-Current Liabilities	3.66T	3.59T	4.17T	4.3T	4.38T	4.36T	4.58T	5.1T	6.25T	6.72T
Total Liabilities	8.21T	8.76T	10.08T	11.18T	12.48T	14.07T	15.65T	17.37T	20.94T	23.13T
Total Equity+	974.66B	1.09T	1.17T	1.21T	1.3T	1.67T	1.88T	2.21T	2.7T	3.29T
Equity Growth %	0.12%	0.12%	0.07%	0.04%	0.07%	0.29%	0.12%	0.18%	0.22%	0.22%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.11%	0.1%	0.07%	0.04%	0.08%	0.12%	0.14%	0.17%	0.18%	0.17%
Book Value per Share	289.07	324.76	345.93	358.38	384.84	488.69	531.47	622.62	757.22	916.60
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	11.63B	11.65B	12.86B	12.89B	12.95B	13.83B	13.9B	13.97B	14.05B	14.25B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	929.41B	1.03T	1.09T	1.13T	1.22T	1.56T	1.8T	2.12T	2.53T	3.1T
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	236.45B	526.36B	193.83B	486.71B	795.65B	1.38T	581.11B	-37.71B	-757.09B	-752.52B
Operating CF Growth %	2.93%	1.23%	-0.63%	1.51%	0.63%	0.73%	-0.58%	-1.06%	-19.08%	0.01%
Net Income	135.57B	126.57B	95.91B	59.73B	169.29B	240.49B	335.68B	458.3B	442.56B	510.29B
Depreciation & Amortization	9.57B	10.44B	10.39B	10.45B	13.7B	14.71B	14.79B	16.46B	19.96B	26.9B
Deferred Taxes	-99.89B	-116.44B	-65.88B	-83.48B	-2.11B	-60.75B	-31.55B	-82.24B	0	0
Other Non-Cash Items	120.07B	156.46B	160.24B	201.03B	132B	165.72B	84.35B	55.48B	-1.55T	42.78B
Working Capital Changes	70.99B	349.14B	-6.96B	298.9B	482.65B	1.02T	175.17B	-490.89B	321.71B	-1.34T
Cash from Investing+	-118.19B	-16.06B	-505.73B	-301.47B	-423.08B	-629.87B	-393.21B	-680.05B	-1.46T	-772.88B
Purchase of Investments	-150.59B	-69.12B	-642.95B	-290.46B	-719.92B	-613.11B	-542.47B	-816.54B	0	0
Sale/Maturity of Investments	0	0	0	1000K	1000K	1000K	1000K	1000K	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	703.14M	156.34M	265.83M	468.83M	255.37M	121.65M	1.17B	2.87B	0	0
Other Investing	-109.71B	-2.89B	-495.31B	-33.46B	-404.35B	-90.48B	-374.61B	-655.38B	-1.42T	-725.18B
Cash from Financing+	58.14B	-354.7B	396.76B	-199.97B	29.92B	-546.67B	174.51B	247.91B	2.47T	2.04T
Dividends Paid	-34.52B	-34.23B	-17.16B	-11.69B	-8.86B	0	-13.85B	-34.79B	-55.99B	-70.41B
Share Repurchases	0	0	0	0	-680.16B	0	0	0	0	0
Stock Issued	2.82B	1.77B	3.94B	3.49B	5.49B	154.6B	7.98B	9.42B	11.71B	14.38B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	-1000K	0	-1000K	1000K	1000K	1000K	1000K
Other Financing	651.22B	0	1.12T	955.21B	38.79B	1K	-7K	24K	2.33T	2.09T
Net Change in Cash+	173.99B	154.55B	85.08B	-16.08B	404.62B	197.18B	355.55B	-466.69B	263.12B	512.55B
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Cash at Beginning	476.37B	650.36B	804.91B	889.99B	873.91B	1.28T	1.48T	1.83T	1.36T	1.63T
Cash at End	650.36B	804.91B	889.99B	873.91B	1.28T	1.48T	1.83T	1.36T	1.63T	2.14T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	227.97B	513.19B	183.41B	475.23B	776.91B	1.36T	562.51B	-62.39B	1.54T	-800.22B
FCF Growth %	2.69%	1.25%	-0.64%	1.59%	0.63%	0.75%	-0.59%	-1.11%	25.62%	-1.52%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	11.02%	9.85%	6.82%	3.58%	7.64%	12.38%	14.14%	16.63%	18.02%	17.04%
Return on Assets (ROA)	1.17%	1.07%	0.73%	0.36%	0.73%	1.25%	1.51%	1.83%	2.05%	2.04%
Net Interest Margin	2.75%	2.65%	2.48%	2.65%	2.92%	2.95%	3.09%	3.6%	3.61%	3.68%
Efficiency Ratio	40.21%	42.48%	46.86%	48.94%	47.69%	47.23%	45.95%	44.06%	41.96%	43.38%
Equity / Assets	10.61%	11.11%	10.37%	9.75%	9.42%	10.62%	10.73%	11.29%	11.42%	12.44%
Book Value / Share	289.07	324.76	345.93	358.38	384.84	488.69	531.47	622.62	757.22	916.6
NII Growth	11.71%	3.19%	6.88%	17.58%	22.45%	15.77%	16.64%	30.02%	21.11%	13.93%
Dividend Payout	33.91%	33.6%	22.25%	27.47%	9.27%	-	5.52%	10.22%	12.65%	13.8%

Frequently Asked Questions

Valuation & Price

ICICI Bank Limited (IBN) has a price-to-earnings (P/E) ratio of 0.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

ICICI Bank Limited (IBN) grew revenue by 25.2% over the past year. This is strong growth.

Yes, ICICI Bank Limited (IBN) is profitable, generating $528.91B in net income for fiscal year 2025 (17.3% net margin).

Dividend & Returns

Yes, ICICI Bank Limited (IBN) pays a dividend with a yield of 63.70%. This makes it attractive for income-focused investors.

ICICI Bank Limited (IBN) has a return on equity (ROE) of 17.0%. This is reasonable for most industries.

Industry Metrics

ICICI Bank Limited (IBN) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.

ICICI Bank Limited (IBN) has an efficiency ratio of 43.4%. This is excellent, indicating strong cost control.

US Stock Screener

...