DATA OF ICICI BANK LTD.

About:

ICICI Bank Limited is an Indian multinational banking and financial services

company headquartered in Mumbai, Maharashtra with its registered office in
Vadodara, Gujarat. As of 2018, ICICI Bank is the second largest bank in India in
terms of assets and market capitalization. It offers a wide range of banking
products and financial services for corporate and retail customers through a
variety of delivery channels and specialized subsidiaries in the areas of
investment banking, life, non-life insurance, venture capital and asset
management. The bank has a network of 5,275 branches and 15,589 ATMs
across India and has a presence in 17 countries including India.

Headquarters: ICICI Bank Towers, Bandra Kurla complex, Mumbai, India

Parent Organization: ICICI Bank

Revenue: ₹67,803 crore

No of Employees: 84,922

Founded In: 5,Jan,1994

Subsidiary Companies: ICICI Prudential Life Insurance, ICICI Lombard, ICICI

Securities etc.
PROFIT AND LOSS ACCOUNT OF ICICI BANK LTD.
PROFIT AND LOSS STATEMENT FOR THE YEAR ENDING MAR 31, 2019

(IN RS CR)

PROFIT & LOSS ACCOUNT OF ICICI BANK (in Rs. Cr.) MAR 19 MAR 18  

   

INCOME  

Interest / Discount on Advances / Bills 50,884.83 43,252.82  

Income from Investments 18,102.29 16,125.62  

Interest on Balance with RBI and Other Inter-Bank funds 927.11 810.41  

Others 2,067.43 1,973.50  

TOTAL INTEREST EARNED 71,981.65 62,162.35  

Other Income 59,324.85 56,806.75  

Total Income 131,306.50 118,969.10  

EXPENDITURE  

Interest Expended 39,177.54 34,262.05  

Payments to and Provisions for Employees 9,425.26 8,333.53  

Depreciation 945.84 922.14  

Depreciation on Leased Assets 0.00 0.00  

Operating Expenses (excludes Employee Cost & 53,887.78 46,499.96  

Depreciation)

TOTAL OPERATING EXPENSES 64,258.88 55,755.63  

Provision Towards Income Tax 4,808.28 4,078.21  

Provision Towards Deferred Tax -3,089.18 -2,199.29  

Other Provisions and Contingencies 20,461.82 17,972.96  

TOTAL PROVISIONS AND CONTINGENCIES 22,180.92 19,851.88  

TOTAL EXPENDITURE 125,617.34 109,869.56  

NET PROFIT / LOSS FOR THE YEAR 5,689.16 9,099.54  

NET PROFIT / LOSS AFTER EI & PRIOR YEAR ITEMS 5,689.16 9,099.54  

Minority Interest -1,434.92 -1,387.36  

Share Of Profit/Loss Of Associates 0.00 0.00  

CONSOLIDATED PROFIT/LOSS AFTER MI AND 4,254.24 7,712.19  

ASSOCIATES

Profit / Loss Brought Forward 21,999.16 21,504.55  

TOTAL PROFIT / LOSS AVAILABLE FOR 26,253.40 29,216.73  

APPROPRIATIONS

APPROPRIATIONS  

Transfer To / From Statutory Reserve 840.90 1,694.40  

Transfer To / From Revenue And Other Reserves 1,643.72 645.45  

Dividend and Dividend Tax for The Previous Year 0.00 0.00  

Equity Share Dividend 965.13 1,457.46  

Tax On Dividend 193.31 233.14  

Balance Carried Over To Balance Sheet 22,046.38 21,999.16  

TOTAL APPROPRIATIONS 26,253.40 29,216.73  

OTHER ADDITIONAL INFORMATION  

EARNINGS PER SHARE  

Basic EPS (Rs.) 7.00 12.00  

Diluted EPS (Rs.) 7.00 12.00

BALANCE SHEET OF ICICI BANK LTD.
BALANCE SHEET AS AT 31ST MARCH, 2019 (CONSOLIDATED)

(RS CR)

BALANCE SHEET OF ICICI BANK (in Rs. Cr.) MAR 19 MAR 19  

   

EQUITIES AND LIABILITIES  

SHAREHOLDER'S FUNDS  

Equity Share Capital 1,289.46 1,289.46  

TOTAL SHARE CAPITAL 1,289.46 1,289.46  

Revaluation Reserve 3,070.00 0.00  

Reserves and Surplus 1,289.46 1,289.46  

TOTAL RESERVES AND SURPLUS 112,959.27 112,959.27  

TOTAL SHAREHOLDERS FUNDS 109,889.27 112,959.27  

Minority Interest 6,580.54 6,580.53  

Deposits 681,316.94 681,316.94  

Borrowings 210,324.12 210,324.12  

Other Liabilities and Provisions 73,940.14 73,940.14  

TOTAL CAPITAL AND LIABILITIES 1,238,793.89 1,238,793.89  

ASSETS  
Cash and Balances with Reserve Bank of India 38,066.28 38,066.28  

Balances with Banks Money at Call and Short Notice 49,324.62 49,324.62  

Investments 398,200.76 398,200.75  

Advances 646,961.68 646,961.68  

Fixed Assets 9,660.42 9,660.42  

Other Assets 96,580.14 96,580.14  

TOTAL ASSETS 1,238,793.89 1,238,793.89  

CONTINGENT LIABILITIES, COMMITMENTS  

Bills for Collection 49,579.19 0.00  

Contingent Liabilities 2,612,071.94 0.00

FINANCIAL RATIOS

Operating Profit
(1.) Operating Profit Ratio:- x 100
Net Sales

= - 74.51

Net Profit
(2.) Net Profit Ratio:- x 100
Net Sales

= 7.90

Earning per Share

(3.) Earning Yield:- Market Price per Share

= 0.02

Dividend per Share

(4.) Dividend Yield:- x 100
Market Value per Share

= 0.29%

Market Price per Share

(5.) Price Earnings Ratio:- Earning per Share

= 42.8
 Price Earning Ratio
(6.) PEG Ratio:- Earnings Growth Rate

= 0.00

PAT −Pref . Dividend

(7.) Return on Equity:- x 100
Net Worth

= 3.82

Current Assets
(8.) Current Ratio:- Current Liabilities

= 2.16

LongTerm Debts
(9.) Debt Equity Ratio:- Equity

= 7.77
 EBIT
(10.) Interest Coverage Ratio:- Total Interest Expense

= 1.67

Analysis: As we can see from the financial ratios the overall position of
the company is the same as before in the market. But the operating
profit is negative because the operating expenses of the company
increased from last year hence the net profit also decreased.

The Net profit ratio shows that the management of the company is
efficient and profitable also. The earning per share also shows that the
company is increasing its assets very slowly. That’s why there is no
change in the price earnings ratio. But the company is able to pay its
interest on liabilities and it also maintained its overall liability on overall
assets. It’s most of the funds required are fulfilled by issuing long-term
liability instead of Equity.
 DATA OF HDFC BANK LTD.

About: HDFC Bank Ltd. is an Indian banking and financial services company
headquartered in Mumbai, Maharashtra. It has a base of 104154 permanent
employees as of 30 June 2019. HDFC Bank is India’s largest private sector
lender by assets. It is the largest bank in India by market capitalization as of
March 2020. It was ranked 60th in 2019 BrandZ Top 100 Most Valuable
Global Brands

Headquarters: Mumbai, Maharashtra, India

Promoted by: Industrial Credit and Investment Corporation of India

Revenue: ₹1,166 billion

No of Employees: 104,154

Founded In: August 1994

Subsidiary Companies: HDFC Securities, HDB Financial Services, Next Gen

Publishing etc,
PROFIT AND LOSS ACCOUNT OF HDFC BANK LTD.

PROFIT & LOSS ACCOUNT OF HDFC BANK (in Rs. Cr.) MAR 19 MAR 18  

   

INCOME  

Interest / Discount on Advances / Bills 83,736.16 67,658.90  

Income from Investments 19,924.75 16,229.79  

Interest on Balance with RBI and Other Inter-Bank funds 660.62 540.62  

Others 839.21 858.53  

TOTAL INTEREST EARNED 105,160.74 85,287.84  

Other Income 18,947.05 16,056.60  

Total Income 124,107.79 101,344.45  

EXPENDITURE  

Interest Expended 53,712.69 42,381.48  

Payments to and Provisions for Employees 10,451.15 9,193.90  

Depreciation 1,220.67 966.78  

Depreciation on Leased Assets 0.00 0.00  

Operating Expenses (excludes Employee Cost & Depreciation) 16,022.94 13,766.54  

TOTAL OPERATING EXPENSES 27,694.76 23,927.22  

Provision Towards Income Tax 12,961.15 10,848.11  

Provision Towards Deferred Tax -1,088.60 -945.03  

Other Provisions and Contingencies 8,382.18 6,571.82  

TOTAL PROVISIONS AND CONTINGENCIES 20,254.73 16,474.90  

TOTAL EXPENDITURE 101,662.18 82,783.61  

NET PROFIT / LOSS FOR THE YEAR 22,445.61 18,560.84  

NET PROFIT / LOSS AFTER EI & PRIOR YEAR ITEMS 22,445.61 18,560.84  

Minority Interest -113.18 -51.34  

Share Of Profit/Loss Of Associates 0.00 0.52  

CONSOLIDATED PROFIT/LOSS AFTER MI AND ASSOCIATES 22,332.43 18,510.02  

Profit / Loss Brought Forward 43,098.98 34,532.33  

TOTAL PROFIT / LOSS AVAILABLE FOR APPROPRIATIONS 65,431.41 53,042.35  

APPROPRIATIONS  

Transfer To / From Statutory Reserve 5,499.76 4,562.03  

Transfer To / From Revenue And Other Reserves 0.00 0.00  

Dividend and Dividend Tax for The Previous Year 0.00 3,390.58  

Equity Share Dividend 4,052.59 50.77  

Tax On Dividend 43.31 0.00  

Balance Carried Over To Balance Sheet 52,849.61 43,098.98  

TOTAL APPROPRIATIONS 65,431.41 53,042.35  

OTHER ADDITIONAL INFORMATION  

EARNINGS PER SHARE  

Basic EPS (Rs.) 83.00 72.00  

Diluted EPS (Rs.) 83.00 71.00

BALANCE SHEET OF HDFC BANK LTD.

BALANCE SHEET AS AT 31 MAR, 2019 (CONSOLIDATED)
(RS CR)

BALANCE SHEET OF HDFC BANK (in Rs. Cr.) MAR 19 MAR 19  

   

EQUITIES AND LIABILITIES  

SHAREHOLDER'S FUNDS  

Equity Share Capital 544.66 0.00  

TOTAL SHARE CAPITAL 544.66 0.00  

Revaluation Reserve 0.00 0.00  

Reserves and Surplus 544.66 0.00  

TOTAL RESERVES AND SURPLUS 153,128.00 0.00  

TOTAL SHAREHOLDERS FUNDS 153,128.00 0.00  

Minority Interest 501.79 0.00  

Deposits 922,502.68 0.00  

Borrowings 157,732.78 0.00  

Other Liabilities and Provisions 58,395.80 0.00  

TOTAL CAPITAL AND LIABILITIES 1,292,805.71 0.00  

ASSETS  

Cash and Balances with Reserve Bank of India 46,804.59 0.00  

Balances with Banks Money at Call and Short Notice 35,013.05 0.00  

Investments 286,917.68 0.00  

Advances 869,222.66 0.00  

Fixed Assets 4,219.84 0.00  

Other Assets 50,627.89 0.00  

TOTAL ASSETS 1,292,805.71 0.00  

CONTINGENT LIABILITIES, COMMITMENTS  

Bills for Collection 49,952.80 0.00  

Contingent Liabilities 1,025,125.31 0.00

FINANCIAL RATIOS

Operating Profit
(1.) Operating Profit Ratio:- x 100
Net Sales

= 3.32

Net Profit
(2.) Net Profit Ratio:- x 100
Net Sales

= 21.34

Earning per Share

(3.) Earning Yield:- Market Price per Share

= 0.04

Dividend per Share

(4.) Dividend Yield:- x 100
Market Value per Share

= 0.83%

Market Price per Share

(5.) Price Earnings Ratio:- Earning per Share
 = 27.8

Price Earning Ratio

(6.) PEG Ratio:- Earnings Growth Rate

= 0.98

PAT −Pref . Dividend

(7.) Return on Equity:- x 100
Net Worth

= 14.53

Current Assets
(8.) Current Ratio:- Current Liabilities

= 0.05

LongTerm Debts
(9.) Debt Equity Ratio:- Equity

= 0.05

EBIT
(10.) Interest Coverage Ratio:- Total Interest Expense

= 0.97
Analysis: The operating profit of the company increased
from the last year and the net profit ratio also increased.
It shows that the management improving its efficiency
year by year. It is a efficient company whose using a
balance combination of borrowed and owners fund.
The current ratio shows that It uses it working capital
efficiently and managed both current assets and
liabilities.
It is a good option to invest in because its return on
investment ratio is very high.