HDFC银行，ICICI削减了FD率

根据媒体报道，ICICI银行和HDFC银行已将最多25个基点削减了最多25个基点.ICICI银

行在周一的25bps效率下减少了1亿卢比的存款税率。固定存款率为121-150天“成熟期”从8.25％提前

修改为8％，而ICICI的存款率61-90天超过5亿卢比，以上也已降至8.25的8％ ％。同样，对于91-120天的术语押金，利率为

8％.HDFC银行还将其对5卢比的固定存款税率降低，从星期天有效。

Icici Bank Ltd. - 独立同行比较和财务分析

同伴比较

细节m cap（rs cr）帕特（卢比）p / bv（x）P / E（x）ROA（％）ROE（％）车 （％）gnpl（％）nnpl / nw（％）BANKHDFC BANK LTD.259,8118,4785.026.71.921.316.11.01.9印度银行200,00710,8911.616.10.610.012.45.026.3CICI银行LTD184,5449,8102.316.91.714.017.73.04.5

金融

收入证明

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14利息收入25,97433,54340,07644,178 internest费用（16,957）（22,808）（26,209）（27,703）净利息收入9,017 10,734 13,866 16,476年利息收入6,6487,5038,34610,428总运行收入15,665 18,237 22,212 26,903total op开支（6,617）（7,850）（9,013）（10,309）op利润（预先剥夺）9,048 10,386 13,199 16,595ToTal条款（2,287）（1,583）（1,803）（1,803）（2,626）税前税前利润6,761 8,803 11,397 13,968Tax（1,609） （2,338）（3,071）（4,158）净利润5,151 6,465 8,325 9,810

资产负债表

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14总现金和平等现金34,09036,22941,41841,5301941,39477,02.6545,142853,403290,24938,703,3947,022.57545,1424938,403，148557,703。 ，34734,93729,08732,709总资产406,234 489,069 536,795 594,642NET价值55,09160,40566,70673,214，1145,602255,500292,614331,914，11,225,602255,42,614331,9165145,61154,75929,5554,214，1145,41735,4599,61433.214。 ，673non-int轴承LIAB15,98632,99932,13434,756总负债351,143 428,664 470,089 521,428股权+总引用406,234 489,069 536,795 594,642

关键比率

Y / E 31 MarFY11FY12FY13FY14增长基质（％）净利息收入11.119.029.218.8TOTAL op收入0.516.421.821.10 opl利润（预剥削）（7.0）14.827.125.7NET盈利200.025.528.817.8ADVITITS1119.4114.416.7DEPOSITS11.713.314.513.4TOTAL ASSET11 .820.49.810.8致致致致募股比率（％）NIM2.62.73.13.1non-inc / Total Inc42.441.137.638.8 return在AVG Equity9.711.213.114.0Return on AVG Assets1.31.41.61.7股票比率（RS）adj.bvps91 .5101.6111.8121.1dps2.83.34.04.6valuation比率（x）p / e24.915.814.514.7p / adj.bvps3.53.12.82.6其他关键比率（％）信用/存款95.999.399.2102.0cost /收入42.243.040.638.3 CASA45.143.541.942.9CAR19.518.518.717.7TIER-I CARICALL13.212.712.812.8GROSS NPLS / LOANS3.23.0PROV / AVG LOAN1.20.70.70.8NET NPLS /
NET LOANS1.10.70.81.0tax率23.826.626.929.8DIVIDEND产量4。 45.26.37.2 icici银行有限公司 - 独立同行比较和财务分析

同伴比较

细节m cap（rs cr）帕特（卢比）p / bv（x）P / E（x）ROA（％）ROE（％）车 （％）gnpl（％）nnpl / nw（％）BANKHDFC BANK LTD.259,8118,4785.026.71.921.316.11.01.9印度银行200,00710,8911.616.10.610.012.45.026.3CICI银行LTD184,5449,8102.316.91.714.017.73.04.5

金融

收入证明

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14利息收入25,97433,54340,07644,178 internest费用（16,957）（22,808）（26,209）（27,703）净利息收入9,017 10,734 13,866 16,476年利息收入6,6487,5038,34610,428总运行收入15,665 18,237 22,212 26,903total op开支（6,617）（7,850）（9,013）（10,309）op利润（预先剥夺）9,048 10,386 13,199 16,595ToTal条款（2,287）（1,583）（1,803）（1,803）（2,626）税前税前利润6,761 8,803 11,397 13,968Tax（1,609） （2,338）（3,071）（4,158）净利润5,151 6,465 8,325 9,810

资产负债表

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14总现金和平等现金34,09036,22941,41841,5301941,39477,02.6545,142853,403290,24938,703,3947,022.57545,1424938,403，148557,703。 ，34734,93729,08732,709总资产406,234 489,069 536,795 594,642NET价值55,09160,40566,70673,214，1145,602255,500292,614331,914，11,225,602255,42,614331,9165145,61154,75929,5554,214，1145,41735,4599,61433.214。 ，673non-int轴承LIAB15,98632,99932,13434,756总负债351,143 428,664 470,089 521,428股权+总引用406,234 489,069 536,795 594,642

关键比率

Y / E 31 MarFY11FY12FY13FY14增长基质（％）净利息收入11.119.029.218.8TOTAL op收入0.516.421.821.10 opl利润（预剥削）（7.0）14.827.125.7NET盈利200.025.528.817.8ADVITITS1119.4114.416.7DEPOSITS11.713.314.513.4TOTAL ASSET11 .820.49.810.8致致致致募股比率（％）NIM2.62.73.13.1non-inc / Total Inc42.441.137.638.8 return在AVG Equity9.711.213.114.0Return on AVG Assets1.31.41.61.7股票比率（RS）adj.bvps91 .5101.6111.8121.1dps2.83.34.04.6valuation比率（x）p / e24.915.814.514.7p / adj.bvps3.53.12.82.6其他关键比率（％）信用/存款95.999.399.2102.0cost /收入42.243.040.638.3 CASA45.143.541.942.9CAR19.518.518.717.7TIER-I CARICALL13.212.712.812.8GROSS NPLS / LOANS3.23.0PROV / AVG LOAN1.20.70.70.8NET NPLS /
NET LOANS1.10.70.81.0tax率23.826.626.929.8DIVIDEND产量4。 45.26.37.2 icici银行有限公司 - 独立同行比较和财务分析

同伴比较

细节m cap（rs cr）帕特（卢比）p / bv（x）P / E（x）ROA（％）ROE（％）车 （％）gnpl（％）nnpl / nw（％）BANKHDFC BANK LTD.259,8118,4785.026.71.921.316.11.01.9印度银行200,00710,8911.616.10.610.012.45.026.3CICI银行LTD184,5449,8102.316.91.714.017.73.04.5

金融

收入证明

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14利息收入25,97433,54340,07644,178 internest费用（16,957）（22,808）（26,209）（27,703）净利息收入9,017 10,734 13,866 16,476年利息收入6,6487,5038,34610,428总运行收入15,665 18,237 22,212 26,903total op开支（6,617）（7,850）（9,013）（10,309）op利润（预先剥夺）9,048 10,386 13,199 16,595ToTal条款（2,287）（1,583）（1,803）（1,803）（2,626）税前税前利润6,761 8,803 11,397 13,968Tax（1,609） （2,338）（3,071）（4,158）净利润5,151 6,465 8,325 9,810

资产负债表

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14总现金和平等现金34,09036,22941,41841,5301941,39477,02.6545,142853,403290,24938,703,3947,022.57545,1424938,403，148557,703。 ，34734,93729,08732,709总资产406,234 489,069 536,795 594,642NET价值55,09160,40566,70673,214，1145,602255,500292,614331,914，11,225,602255,42,614331,9165145,61154,75929,5554,214，1145,41735,4599,61433.214。 ，673non-int轴承LIAB15,98632,99932,13434,756总负债351,143 428,664 470,089 521,428股权+总引用406,234 489,069 536,795 594,642

关键比率

Y / E 31 MarFY11FY12FY13FY14增长基质（％）净利息收入11.119.029.218.8TOTAL op收入0.516.421.821.10 opl利润（预剥削）（7.0）14.827.125.7NET盈利200.025.528.817.8ADVITITS1119.4114.416.7DEPOSITS11.713.314.513.4TOTAL ASSET11 .820.49.810.8致致致致募股比率（％）NIM2.62.73.13.1non-inc / Total Inc42.441.137.638.8 return在AVG Equity9.711.213.114.0Return on AVG Assets1.31.41.61.7股票比率（RS）adj.bvps91 .5101.6111.8121.1dps2.83.34.04.6valuation比率（x）p / e24.915.814.514.7p / adj.bvps3.53.12.82.6其他关键比率（％）信用/存款95.999.399.2102.0cost /收入42.243.040.638.3 CASA45.143.541.942.9CAR19.518.518.717.7TIER-I CARICALL13.212.712.812.8GROSS NPLS / LOANS3.23.0PROV / AVG LOAN1.20.70.70.8NET NPLS / NET LOANS1.10.70.81.0tax率23.826.626.929.8DIVIDEND产量4。 45.26.37.2.