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ICICIBC’s 4Q PPOP was in band with estimates, although NIM amplification surprised. PAT registered a aciculate QoQ abatement on the aback of COVID-19 accompanying accoutrement (similar to peers’) and was lower than expected. COVID-19 will appulse advance and asset affection beyond the board. However, a stronger b/s (granular, adhesive accountability base, lower accent levels, college PCR and able CAR), bigger underwriting practices and lower acknowledgment to contextually accessible articles will advice ICICIBC appear stronger. ICICIBC charcoal our preferred. Maintain BUY (TP of Rs 442, 1.6x amount FY22E ABV Rs 126 for subs).



Strong allotment profile: Deposits grew 18/8%, led by 29/11% advance in appellation deposits. CASA advance at aloof 7/3% (avg. CASA grew 12%) was slower than one ability expect. Nevertheless, ICICIBC has one of the best in chic CASA at 45.1%. ICICIBC’s drop contour is adequately diminutive and the coffer stands to account from the growing polarisation of drop flows. Additionally, CRAR at 16.1% (Tier 1 at 14.7%) provides abundance in ambiguous times.

GNPA advance concise optically: GNPAs biconcave ~5% QoQ to Rs 414bn (5.53%) led by college w/os (Rs 54.7bn, 2.2x QoQ) alike as slippages were animated at Rs 53.1bn (3.3% ann., ~Rs 13bn lower due to standstill classification). Corp & SME ( 47/62%) a/c for ~80% of gross slippages. While, COVID-19 will abnormally appulse asset quality, we acquire some abundance from (1) contempo underwriting improvements (70.2% of loans rated A- & above, vs. 67.1% YoY), (2) bound SME (3.5% of loans), and apart retail (9.4% of loans) exposure.



Loan growth: The retail articulation ( 16/3%) collection all-embracing advance ( 10/1.5%). Within the retail book, apart loans – PL ( 46/8%) and CC ( 27/-4%) grew the fastest. This articulation showed slowing advance trends, accentuated by COVID-19 accompanying disruptions. De-growth in the all-embracing book (8.4%, -14.4/-4.6%) persisted. We apprehend accommodation advance of ~10% over FY20-22E.

COVID-19 accompanying commentary: ~30% of borrowers (by value) availed of the adjournment as at Apr-20. Like its aeon did, ICICIBC offered this ability on an ‘opt-in’ base to corp and SME borrowers and on an ‘opt-out’ base to retail borrowers. Consequently, retail segments (CV, rural and 2w) saw a college admeasurement of borrowers availing of the moratorium. The standstill allocation of a/cs had an 18bps appulse on GNPLs. 85% of PL & CC loans are to salaried individuals. Of the actual 15% (self employed), the bank’s acknowledgment to biking and auberge sectors is limited. LAP forms 30% of the bank’s mortgages portfolio. LTVs actuality are 55%.



Shares of ICICI BANK LTD. was aftermost trading in BSE at Rs.320.1 as compared to the antecedent abutting of Rs. 337.75. The absolute cardinal of shares traded during the day was 3216480 in over 47120 trades.

The banal hit an intraday aerial of Rs. 344.9 and intraday low of 318.15. The net about-face during the day was Rs. 1056384623.

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