ICICI Bank Ltd.
NSE: ICICIBANK · Private Sector Bank
Snapshot
Unlock ICICI Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
ICICI Bank Limited is a leading private sector bank in India offering a comprehensive range of banking and financial services, including retail, wholesale, and treasury operations. The bank also provides diverse financial products such as life and general insurance, asset management, and private equity services.
Business Model
The bank generates revenue primarily through net interest income from lending activities and fee-based income from its extensive suite of financial services, insurance, and investment products. It leverages a vast physical network of branches and ATMs alongside digital banking platforms to capture a broad customer base.
- Branches:5,418
- ATMs:13,626
Growth Outlook
Growth is driven by the expansion of digital banking services, penetration into rural and agri-business markets, and the cross-selling of insurance and investment products to its existing retail customer base.
Key Risks
- Credit Risk. The bank faces potential losses from defaults in its retail and corporate loan portfolios, particularly during economic downturns.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) monetary policies or banking regulations could impact interest margins and operational compliance costs.
- Cybersecurity Risk. As a major digital banking provider, the bank is susceptible to data breaches and cyber-attacks that could compromise customer information and operational integrity.
- Market Risk. Volatility in interest rates and financial markets may adversely affect the bank's treasury operations and investment portfolio performance.
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Key Metrics
NET PROFIT
₹59,489 Cr
TTM · consolidated
EPS
₹78.41
TTM · consolidated
RETURN ON EQUITY
16.9%
TTM · consolidated
P/E
18.2x
Q1 FY27 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
ICICI Bank Ltd.ICICIBANK | ₹10.21L Cr | 18.15 | — | — | — | 16.9% | — | +1.3% |
HDFC Bank Ltd.HDFCBANK | ₹10.97L Cr | 13.86 | — | — | — | 15.5% | — | -25.9% |
Kotak Mahindra Bank Ltd.KOTAKBANK | ₹4.22L Cr | 11.06 | — | — | — | 11.0% | — | -78.2% |
Axis Bank Ltd.AXISBANK | ₹3.96L Cr | — | — | — | — | 18.8% | — | +21.2% |
IDBI Bank Ltd.IDBI | ₹97,449 Cr | 10.45 | — | -2.5% | — | 13.5% | — | +2.0% |
The Federal Bank LimitedFEDERALBNK | ₹84,664 Cr | 18.03 | — | — | — | 12.3% | — | +80.6% |
Financials
ICICI Bank Ltd.
NSE: ICICIBANK · Private Sector Bank
Snapshot
Unlock ICICI Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
ICICI Bank Limited is a leading private sector bank in India offering a comprehensive range of banking and financial services, including retail, wholesale, and treasury operations. The bank also provides diverse financial products such as life and general insurance, asset management, and private equity services.
Business Model
The bank generates revenue primarily through net interest income from lending activities and fee-based income from its extensive suite of financial services, insurance, and investment products. It leverages a vast physical network of branches and ATMs alongside digital banking platforms to capture a broad customer base.
- Branches:5,418
- ATMs:13,626
Growth Outlook
Growth is driven by the expansion of digital banking services, penetration into rural and agri-business markets, and the cross-selling of insurance and investment products to its existing retail customer base.
Key Risks
- Credit Risk. The bank faces potential losses from defaults in its retail and corporate loan portfolios, particularly during economic downturns.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) monetary policies or banking regulations could impact interest margins and operational compliance costs.
- Cybersecurity Risk. As a major digital banking provider, the bank is susceptible to data breaches and cyber-attacks that could compromise customer information and operational integrity.
- Market Risk. Volatility in interest rates and financial markets may adversely affect the bank's treasury operations and investment portfolio performance.
Start your research today
Unlock AI insights, financials, peers and live data on ICICI Bank Ltd. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹59,489 Cr
TTM · consolidated
EPS
₹78.41
TTM · consolidated
RETURN ON EQUITY
16.9%
TTM · consolidated
P/E
18.2x
Q1 FY27 · consolidated
Peers · Private Sector Bank
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