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ICICI Bank
ICICI Bank expects its overall loan growth to be in line with the system, with the
domestic book rising at a slightly faster clip than the system. It does not foresee any
major shift in its loan book mix. The bank expects low-cost deposits to largely guide its
credit growth and is confident of maintaining a low cost ratio of ~40%.
The bank does not expect any significant change in its retail book composition from here
on. This means that the engineered decline in unsecured personal loans may have
ended.
ICICI Bank expects margins to remain at current levels on an annual basis; however, it
does not rule out the possibility of a decline in the next 1-2 quarters. It expects to
maintain the cost-to-income ratio at 40-42%.
The bank is also confident of achieving an RoA of 1.6% in 1-2 years (currently c.1.3%),
driven by lower credit costs. This, coupled with increased leverage, it believes could
result in an RoE of 15%.
It expects microfinance restructuring of INR17-18bn.
India Equity Research Reports, IPO and Stock News
Visit http://indiaer.blogspot.com/ for complete details �� ��
ICICI Bank
ICICI Bank expects its overall loan growth to be in line with the system, with the
domestic book rising at a slightly faster clip than the system. It does not foresee any
major shift in its loan book mix. The bank expects low-cost deposits to largely guide its
credit growth and is confident of maintaining a low cost ratio of ~40%.
The bank does not expect any significant change in its retail book composition from here
on. This means that the engineered decline in unsecured personal loans may have
ended.
ICICI Bank expects margins to remain at current levels on an annual basis; however, it
does not rule out the possibility of a decline in the next 1-2 quarters. It expects to
maintain the cost-to-income ratio at 40-42%.
The bank is also confident of achieving an RoA of 1.6% in 1-2 years (currently c.1.3%),
driven by lower credit costs. This, coupled with increased leverage, it believes could
result in an RoE of 15%.
It expects microfinance restructuring of INR17-18bn.
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