Converted Amount in Fig to Amount in Words

Enter the Amount in Fig.

19.00

Rupees

Nineteen only

Yield analysis
%
Q4FY11
Q1FY12
Q2FY12
Q3FY12
Q4FY12
YoY (bps) QoQ (bps)
Yield on advances*8.6
9
9.5
9.5
9.8
123
33
Yield on investments*
6.6
6.6
6.5
6.6
6.8
18
11
Yield on assets* 7.2
7.4
7.6
7.6
7.9
70
23
Cost of funds*
4.7
5.1
5.3
5.2
5.2
55
-2
NIM*
2.5
2.3
2.3
2.4
2.7
15
25
NIM (Reported) 2.6
2.6
2.6
2.7
3
37
31
Valuation table
Y/E March 31
Net IncomeNet IncomeEPS (Rs) ABV (RS) ROA (%) ROE (%) PE (X)
FY11
156,648
51,514
44.7
457.4
1.3
9.7
19.3
FY12A
182,364
64,648
56.1
506.7
1.5
11.2
15.4
FY13E
212,451
76,026
66
548.4
1.6
12.1
13.1
FY14E
248,713
90,265
78.3
601.7
1.6
13.1
11

P/ ABV
1.9
1.7
1.6
1.4

KYE FINANCIALS-QUARTERLY
Q4FY11
Net Interest Income
Other Income
Fee Income
Net Income
Total Operating Expenses
As % Of Net Income
Employee Expenses
As % Of Net Income
Other Expenses
As % Of Net Income
Operating Profit
As % Of Net Income
Provisions
PBT
Total Tax
Adjusted PAT
Extra Ordinary Items
Reported PAT
Reported EPS

25,097
16,410
17,910
41,507
18,455
44.46%
8,566
20.64%
9,436
22.73%
23,053
55.54%
3,836
19,217
4,692
14,524
0
14,524
12.6

Q1FY12

Q2FY12
24,109
16,429
15,780
40,538
18,198
44.89%
7,329
18.08%
10,533
25.98%
22,340
55.11%
4,539
17,802
4,480
13,322
0
13,322
11.6

25,064
17,396
17,000
42,460
18,922
44.56%
8,427
19.85%
10,133
23.86%
23,538
55.44%
3,188
20,350
5,318
15,032
0
15,032
13

KYE FINANCIALS-QUARTERLY
Q3FY12
Q4FY12
27,120
18,918
17,010
46,038
19,168
41.64%
8,366
18.17%
10,429
22.65%
26,870
58.36%
3,411
23,459
6,179
17,280
0
17,280
15

31,048
22,280
17,280
53,328
22,216
41.66%
11,031
20.69%
10,652
19.97%
31,111
58.34%
4,693
26,418
7,405
19,013
0
19,013
16.5

YoY (%)
QoQ (%)
YTD' 12
YTD' 11
23.71%
14.48%
107,342
90,169
35.77%
17.77%
75,023
66,478
-3.52%
1.59%
67,070
64,190
28.48%
15.83%
182,364
156,647
20.38%
15.90%
78,504
66,168
43.44%
42.2
28.78%
31.86%
35,153
28,169
19.48%
18
12.89%
2.14%
41,747
36,433
23.04%
23.3
34.95%
15.78%
103,860
90,479
56.56%
57.8
22.34%
37.58%
15,831
22,867
37.47%
12.61%
88,030
67,612
57.82%
19.84%
23,382
16,093
30.91%
10.03%
64,648
51,519
0
0
30.91%
10.03%
64,648
51,519
30.95%
0.1
56.1
45

YoY (%)
19
12.9
4.5
16.4
18.6
24.8
14.6
14.8
-30.8
30.2
45.3
25.5
25.5
24.6

Advance Mix -SME+Domestic Corporate book reported healthy traction

Rs Bn
Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12
Retail
837
828
819
825
901
International
552
558
669
697
695
Rural
210
188
175
175
223
SME
104
110
110
116
134
Others
461
523
566
650
584
Total
2,164
2,207
2,339
2,463
2,537

Retail advances mix- Incresing Share of Secured Share

Rs bn
Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12
Cars
77
78
75
80
87
CV
148
137
131
141
178
Personal loan
23
20
12
10
10
Credit cards
28
26
25
25
25
Mortgages
539
554
551
548
576
Others
22
12
24
21
23
Total
837
828
819
825
901

CASA Mix
Rs bn
Current Deposits
Savings Deposits
CASA
Term deposits
Total deposits
CASA (%)

Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12

348
298
330
400
350
669
669
701
735
760
1,016
966
1,031
1,135
1,110
1,240
1,340
1,419
1,471
1,445
2,256
2,307
2,451
2,606
2,555
45.04%
41.87%
42.06%
43.55%
43.44%

Other income
Rs bn
Fee/Commission inocome
Trading gains/(losses)
Others
Total

Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12

17,910
15,780
17,000
17,010
17,280
-1,960
-250
-804
-650
1,580
460
899
1,200
2,558
3,420
16,410
16,429
17,396
18,918
22,280

Asset quality
Rs bn
Gross NPAs
Net NPAs
Gross NPAs (%)
Net NPAs (%)
Net NPAs/Net worth (%)

Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12

100,343
99,828 101,070
98,200
94,753
24,074
23,025
22,360
20,820
18,608
4.5
4.4
4.1
3.8
3.6
1.1
1.3
0.8
0.7
0.7
4.4
4.1
3.8
3.4
3.1

Provision Cover (%)

76

76.9

77.9

78.8

80.4

UK subsidiary assets books

Rs bn
Cash & liquid securities
Loans & advances
India linked investments
Bonds/notes of fin inst
Asset backed securities
Other assets & investments
Total

Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12

1.3
1.2
1.2
1.2
1
3.6
3.4
3
2.8
2.4
0.3
0.2
0.2
0.2
0.2
0.7
0.6
0.3
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.4
0.4
0.4
0.3
0.2
6.4
6
5.1
4.8
4.1

Canada subsidiary asset book

Rs bn
Cash & liquid securities
India linked investments
Federally insured mortgage
Loans to customers
Asset backed securi ties
Other assets & investments
Total

Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12

0.5
0.6
0.5
0.6
0.7
0.1
0
0
0
0
0.3
1.1
1.3
1.6
1.4
3
2.8
2.6
2.5
2.6
0.1
0.1
0.1
0.1
0.1
0.5
0.5
0.5
0.5
0.5
4.5
5.1
5.1
5.3
5.2

Profit after tax

PAT
ICICI Securities Ltd.
ICICI Securities PD
ICICI Venture
ICICI Prudential Asset Management
ICICI Home Finance Company
ICICI Prudential Life Insurance
ICICI Lombard General Insurance
Total

FY12
770
860
680
880
2,600
13,840
-416
19,214

FY11
1,130
530
740
720
2,330
8,080
-800
12,730

FY10
1,230
850
510
1,280
1,610
2,580
1,440
9,500

YoY (%)
-31.86%
62.26%
-8.11%
22.22%
11.59%
71.29%
-48.00%
50.93%

YoY (%)
QoQ (%) % of total
7.65%
9.21%
35.51%
25.91%
-0.29%
27.39%
6.19%
27.43%
8.79%
28.85%
15.52%
5.28%
26.68% -10.15%
23.02%
17.24%
3.00% 100.00%

YoY (%)
QoQ (%) % of total
12.99%
8.75%
9.66%
20.27%
26.24%
19.76%
-56.52%
0.00%
1.11%
-10.71%
0.00%
2.77%
6.86%
5.11%
63.93%
4.55%
9.52%
2.55%
7.65%
9.21% 100.00%

YoY (%)
QoQ (%)
0.57% -12.50%
13.60%
3.40%
9.25%
-2.20%
16.53%
-1.77%
13.25%
-1.96%
-160
-12

YoY (%)
QoQ (%) YTD' 12
YTD' 11
YoY (%)
-3.52%
1.59%
67,070
64,190
4.49%
-180.61% -343.08%
-124
-2,150 -94.23%
643.48%
33.70%
8,077
4,438
82.00%
35.77%
17.77%
75,023
66,478
12.85%

YoY (%)
QoQ (%)
-5.57%
-3.51%
-22.70% -10.62%

YoY (%)
QoQ (%)
-0.23077
-16.4
-32.6
-13.9
-21.5
4.6
-74
-23.5
-15.7
18.6
-43.3
-29
-35.9
-14.6

YoY (%)
QoQ (%)
22.4
1.3
-74.3
-1.9
340.5
-13.1
-13.7
3.4
-18.4
-1.9
0.7
4.2
15.6
-1.9

Income statement
Statement
(Rs. (Rs.
Mn)