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Trend Analysis
It is a calculation of percentage changes in
Financial statement items for a number of
successive years.
Ratio Analysis
It is establishment of relevant financial
relationship between components of financial
statements. Financial ratios are the significant
indicator of a company financial health.
Profitability Ratio
ICICI Bank
ICICI BANK
Axis Bank
2014
17.96
2013
17.19
12/1/2014
Year
ICICI BANK
2014
0.08
2013
0.08
ICICI BANK
2014
84.95
2013
72.17
Solvency Ratio
1.It indicates the business is affected by the extent
of the debt used to finance the asset of the
company.
2.The presence of heavy debt in a companies capital
structure is thought to reduce the companies
solvency because debt is more risky than Equity
Debt-to-Equity Ratio
Interest Coverage Ratio
Credit-to Deposit Ratio
CASA Ratio
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Debt-to-Equity Ratio
Secured + Unsecured Loan
Shareholders Equity
It measures the relationship of capital provided by
creditors to the amount provided by the
shareholders
Year
ICICI BANK
2014
1.906
2013
2.470
11
Year
ICICI BANK
2014
1.49
2013
1.30
12
ICICI Bank
2014
107.7
2013
104.8
13
CASA Ratio
Current & Saving a/c deposits
Total Deposits
The CASA ratio shows how much deposit a bank has in the form of current and
saving account deposits in the total deposit.
A higher CASA ratio means higher portion of the deposits of the bank has come
from current and savings deposit, which is generally a cheaper source of fund.
Higher the CASA ratio better the net interest margin, which means better
operating efficiency of the bank.
Year
ICICI Bank
2014
42.9%
2013
38%
14
15
ICICI BANK
2014
19.78
2013
13.47
16
Thank you!!!
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