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TEAM 3_BA&V.pptx

  1. C.C.S NATIONAL INSTITUTE OF AGRICULTURAL MARKETING ( A Government of India Autonomous Organization Under Ministry of Agriculture and Farmers Welfare ) Submitted by: Group-3 Name Roll No. Pavan Kumar Dangi 1332 Pradeep 1335 Rituraj Singh 1344 Saurabh Singh 1347 Shivam Kumar Singh 1353 Soham Bhattacharyya 1355 Course Title- BUSINESS ANALYSIS & EVALUATION Submitted to: Dr. Shweta Sharma
  2. GLOBAL PERSPECTIVE OF BANKING SECTOR According to data from the World Bank, the total assets of the global banking sector amounted to over $147 trillion in 2019. Employed over 63 million people in 2019. SIZE & EMPLOYMENT cross-border banking assets totaled over $37 trillion in 2019, representing a significant portion of the global banking sector.. CROSS BORDER the banking sector accounted for over 40% of all credit to the private sector in 2019. ECONOMIC IMPACT The global financial crisis of 2008 highlighted the importance of maintaining a stable banking sector. FINANCIAL STABILITY
  3. BANKING SECTOR :- INDIAN PERSPECTIVE 12 public sector banks 22 private sector banks 12 small finance banks 45 foreign banks 43 regional rural banks Total banking asset = $2.16T CAGR = 2.25% No of offline & online ATMs = 252000 Total loan CAGR = 8.77% Total deposit CAGR = 8.48% Major investors Major fintech clusters New Delhi - 196 Gurugram - 116 Mumbai - 428 Hyderabad - 125 Bengaluru - 432 Total bank branches – 123000 Total deposit - $2T Digital lending CAGR – 48% Personal loan CAGR – 27%
  4. About ICICI • ICICI was formed in 1955 by the initiative taken by world bank in collaboration with Govt of India • ICICI bank was incorporated in 1994 as part of ICICI group • ICICI became the first Asian non Japan bank to be listed on New York Stock Exchange History 14,112.98 Billion=Standalone T otalAssets 383.47 Billion = Core Operating Profit 233.39 Billion=ProfitAfter Tax 474.66 Billion = Net Interest Income 3.96% = Net Interest Margin* 10,645.72 Billion =Period-end Deposits 8,590.20 Billion = Period-end Advances 19.16% =T otalCapital Adequacy Ratio Investor – People’s Bank of China Total funding amount – 100.2B No of investment – 27 Lead investment – 12 Biggest investment – Bharat pe (2.5B) Recent investment – SatSure No of exits – 3 Acquisition – Bank of Rajasthan (2010) Stock symbol – NSE:ICICIBANK IPO share price - $11 All currency is in INR except specifically denoted
  5. Rural outreach- 51% of the Bank’s branches are in rural and semi-urban areas with 649 branches in villages that were previously unbanked. UPI transactions was 2.3 times-The value of UPI person-to-merchant transactions in fiscal 2022 was 2.3 times as compared to fiscal 2021. Working towards inclusion-ICICI Bank has provided loans to over nine million women beneficiaries through more than 692,000 Self-Help Groups (SHGs) till March 31, 2022. Of these, 3.8 million were first-time borrowers. Over 750,000 individuals trained--ICICI Foundation for Inclusive Growth, CSR arm of ICICI Group, has trained over 750,000 less privileged individuals in the country since inception. Market leader in FASTag-ICICI Bank continues to be the leading bank in electronic toll collections through FASTag with a market share of close to 33%. Our electronic toll collections through FASTag increased by 51.9% year-on-year in fiscal 2022 ICICI BANK AT A GLANCE Mobile Pay – built for all,built for scale-6.3 million activations of iMobile Pay by non-ICICI Bank account holders till March 31, 2022. Mobile Pay – built for all,built for scale-6.3 million activations of iMobile Pay by non-ICICI Bank account holders till March 31, 2022.
  6. m n Provide credit to support consumption and economic activity Enable financial inclusion Facilitate payments and transactions Enable wealth creation and management Provide savings products c a BUSINESS MODEL Capitals of ICICI • Financial capital • Human capital • Intellectual capital • Manufactured capital • Social & Relationship capital • Nature capital VISION To be the trusted financial services provider of choice for our customers, thereby creating sustainable value for ourstakeholders MISSION To grow ourrisk-calibrated core operating profit by: •Delivering products and services that create valuefor customers •Bringing together all our capabilities to seamlessly meet customerneeds •Conducting our business within well-defined risk tolerance levels
  7. BUSINESS STRATEGY 360 customer centric approach One stop for meeting all banking needs required by customer with focus on risk and reward Focus on ecosystem Serving customers and their ecosystem Focus on micromarket Building a localised understandi ng of market requirement through analytics and efficient distribution strategy International cross functional collaboratio n and external partnerships Process decongestio n and operational flexibility Decongestio n of processes to improve customer experience Leveraging technology and digital across businesses Digital platform for seamless performance for all segment of customers Omni channel experience Product – Agnostic Adopting a solution oriented approach Micromarket focused Aligned to the texture of the catchment Segment – Agnostic Right solution for customer not dependent on segment Client – centric Building a distribution model with client at core Add product to customer & customer to bank Analytics to identify opportunity Leverage interlinkage Design product and solution Understand customer journey Identify all stakeholder
  8. 14.72% 15.09% 15.92% 1.06% 0.81% 18.35% 2.50% 18.42% 1.80% 16.89% 1.39% 16.11% 19.12% 19.16% CAPITAL ADEQUACY 18.06% 14.43% 13.63% 13.39% 17.60% 16.80% Tier I Common Equity Tier 1 220.72 189.39 268.08 313.51 383.47 FY2018 FY2019 FY2020 FY2021 FY2022 CORE OPERATING PROFIT Core Operating Profit (` in billion) FY2018 FY2019 FY2020 FY2021 FY2022 67.77 33.63 79.31 161.93 233.39 FY2018 FY2019 FY2020 FY2021 FY2022 STANDALONE NET PROFIT Standalone Net Profit (` in billion) 5 FINANCIAL PAST PERFORMANCE LOAN & ADVANCES- 8590.20billi on PROFIT AFTER TAX- 233.39 billion CORE OPERATING PROFIT- 383.47 billion
  9. FINANCIAL PAST PERFORMANCE TOTAL ADVANCES 5,609.75 6,529.20 7,709.69 9,325.22 10,645.72 889.58 2,710.50 962.70 3,289.79 2,009.67 1,022.27 4,231.51 2,455.91 2,276.71 1,361.70 5,008.99 2,954.53 1,584.80 5,461.35 3,599.57 TOTAL DEPOSITS Current Account (` in billion) Term Deposit (` in billion) 5,123.95 8,590.20 7,337.29 12.5% 4.8% 5.1% 6,452.90 8.4% 5,866.47 10.7% 30.9% 27.2% 28.2% 28.4% 29.2% 5.1% 45.5% 52.9% 51.8% 8.4% 2.7% 6.2% 8.9% 9.8% 4.1% 3.2% 8.8% 8.5% 50.3% 48.4% Retail Business Banking Overseas March March March March March Marc h March March March March 2018 2019 2020 2021 2022 201 8 2019 2020 2021 2022 Savings Account (` in billion) Total (` in billion) Rural Loans Domestic Corporate & SME Total (` in billion) NET WORTH 1,051.60 1,083.68 1,165.04 1,475.09 Net Worth (Equity Share Capital, Reserves and Surplus) 1,705.12 March March March March March 2018 2019 2020 2021 2022 ADVANCES IN BANKING- CASH CREDIT, BANK OVERDRAFT, LOAN NET WORTH- TOTAL ASSET VALUE- TOTAL LIABILITIES TOTAL DEPOSITS=DEPOSI TS+ALL CERTIFIED DEPOSITS
  10. Retail banking • Savings accout • Current account • Loans • Credit and Debit cards • Digital Banking Services Corporate banking • Working Capital Finance • Trade Services • Cash management Services • Project Finance • Corporate advisory services International banking • Foreign currency account • Foreign currency loans • Trade finance services Rural & Agricultural banking • Crop loans • Tractor loans • Agri business loans Wealth management • Investment advisory • Portfolio management • Estate planning services Insurance • Health insurance • Travel insurance • Car insurance Investment banking • Mergers & Acquisitions • Debt & equity capital markets • Project finance • Structured finance LINE OF ACTIVITIES
  11. SWOT Analysis WEAKNESSES THREATS STRENGTHS OPPORTUNITIES T W O S • Strong Market Position • Widespread Network • Diverse Product • Service Portfolio • Digital Initiatives • Digital Banking • Rural & Agricultural Banking • Asset Quality • Dependence on Wholesale Funding • Competition • Regulatory Environment
  12. THREAT • Increased market share of HDFC ABNK and other fintech companies • Complex regulatory system is threat for company STRENGTH • Bank's market share in terms of deposits was 6.8% and in terms of advances was 7.3% • 5,300 branches 15,000 ATMs • 24.9 million mobile banking customers • 8.2 million internet banking customers WEAKNESS • Gross non-performing assets (NPAs) ratio was 4.96% • Share of retail deposits in total deposits was 68%, which was lower than some of its peers OPPORTUNITY • The shift towards digital banking presents a significant opportunity in rural area Positioning At forefront of innovation in Indian banking sector by revolutionizing itself through time . SWOT DATA SUPPORT & POSITIONING
  13. CAPM BETA  Beta = 1 indicates that the stock's price moves in line with the market; same level of risk  Beta > 1 indicates higher volatility than the market; higher level of risk  Beta < 1 indicates lower volatility than the market; less risky BETA Indication  BETA is a measure of a stock's volatility in relation to the overall market.  Systematic Risks are those risks that affect the overall stock markets.’  “BETA” is used to evaluate systematic risks.
  14. BETA Analysis – ICICI Bank  To calculate ICICI Bank's beta, analyzed 5 years of the stock's historical returns and compared them to the returns of the overall market ( Nifty 50).  Based on our analysis, we calculated ICICI Bank's beta to be 1.354 ICIC1 Bank's stock is slightly more volatile than the overall market.  Example: ICICI Bank; its CAPM Beta is 1.354. This implies if the stock market moves up by 5%, then HDFC Bank stock will move up by 5 x 1.354 = 6.77%.
  15. CAPM (Capital Asset Pricing Model) Expected Rate of Return E(R) Expected Rate of Return E(R) E(R) = Rf + βs(Rm - Rf) Rf = Risk free Return (Avg. of 5 years Treasury Yield) = 2.09% βs = 1.354 Rm = Expected Market Return = 25% E(R) = 25.50% Therefore as per CAPM, Expected Rate of Return is 33.02%.
  16. Calculation of Beta Value & Conclusion A beta value of 1.35434438 indicates that the stock is slightly more volatile than the market. This means that if the market were to move up or down by 1%, ICICI Bank's stock price would be expected to move up or down by 1.35%. Investors use beta values to help assess the risk of investing in a particular stock. A higher beta value indicates higher risk and potentially higher returns, while a lower beta value indicates lower risk and potentially lower returns. However, it's important to note that beta values are not the only factor to consider when making investment decisions, and investors should also consider other factors such as company fundamentals, industry trends, and overall market conditions. Beta Value
  17. Thank You

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